Flinks

Flinks, founded in 2016 and headquartered in Montreal, is an embedded finance platform that combines financial data connectivity, data intelligence, and payments. Its infrastructure allows businesses to move financial data and money through secure, consent-driven channels, supporting use cases such as customer onboarding, income verification, credit risk assessment and payments. The company serves the lending, fintech, banking, insurance and wealth management sectors across North America.

The platform is built around three products. Flinks Financial Connectivity provides consent-based access to financial data from more than 15,000 financial institutions across North America. Flinks Intelligence enriches that data with over 4,500 attributes - covering transactions, income, cash flow trends and liabilities - in real time. Flinks Payments adds money-movement capabilities to complete the embedded finance offering. The company processes more than 1m secure connections a month and is SOC 2 compliant.

Engineering work spans API-based financial data access, data enrichment, income verification and credit risk modelling, and secure, consent-driven data infrastructure. The company states a mission of building an open and secure financial ecosystem in which individuals and businesses retain control over their financial data, with an emphasis on security, privacy and innovation in banking and financial services.