{ "info": { "_postman_id": "7c2d53c7-7de0-4dd9-8693-b755cc2f621a", "name": "Tink Risk and Reports API", "description": "Tink's risk-decisioning reports built on aggregated bank data. Income Check confirms a user's verified income and stability. Expense Check summarises essential and discretionary expenses. Risk Insights produces a risk-decisioning report covering creditworthiness signals. Risk Categorisation classifies transactions for affordability and lending decisions.\n\n\nContact Support:\n Name: Tink Developer Support", "schema": "https://schema.getpostman.com/json/collection/v2.1.0/collection.json", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "lastUpdatedBy": "35240", "uid": "35240-7c2d53c7-7de0-4dd9-8693-b755cc2f621a" }, "item": [ { "name": "v2", "item": [ { "name": "income-checks", "item": [ { "name": "{report_id}", "item": [ { "name": "Tink Get An Income Check Report", "id": "8633b2ca-3fd0-4e52-9fde-b2bb667fef1d", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" } ], "url": { "raw": "{{baseUrl}}/v2/income-checks/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "v2", "income-checks", ":report_id" ], "variable": [ { "id": "77277834-01b9-413b-a6b2-ea55870776ea", "key": "report_id", "value": "", "description": "(Required) " } ] }, "description": "Retrieve a completed Income Check report as JSON. Includes verified income streams, employer information, salary cadence, and trend analysis over the lookback window.\n" }, "response": [ { "id": "cd33684e-4306-4d4d-8c09-72b1685bdb00", "name": "Income Check report returned.", "originalRequest": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "url": { "raw": "{{baseUrl}}/v2/income-checks/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "v2", "income-checks", ":report_id" ], "variable": [ { "key": "report_id" } ] } }, "status": "OK", "code": 200, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"id\": \"\",\n \"market\": \"\",\n \"generatedAt\": \"\",\n \"verifiedIncomes\": [\n {\n \"source\": \"\",\n \"payer\": \"\",\n \"category\": \"PENSION\",\n \"cadence\": \"IRREGULAR\",\n \"averageAmount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"firstSeen\": \"\",\n \"lastSeen\": \"\"\n },\n {\n \"source\": \"\",\n \"payer\": \"\",\n \"category\": \"BENEFIT\",\n \"cadence\": \"MONTHLY\",\n \"averageAmount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"firstSeen\": \"\",\n \"lastSeen\": \"\"\n }\n ],\n \"summary\": {\n \"totalNetIncome\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"averageMonthlyIncome\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"consecutiveMonthsWithIncome\": \"\"\n }\n}", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-cd33684e-4306-4d4d-8c09-72b1685bdb00" }, { "id": "caf88243-7b02-4126-af92-ef549eca5607", "name": "Report not found.", "originalRequest": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "url": { "raw": "{{baseUrl}}/v2/income-checks/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "v2", "income-checks", ":report_id" ], "variable": [ { "key": "report_id" } ] } }, "status": "Not Found", "code": 404, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"errorMessage\": \"\",\n \"errorCode\": \"\"\n}", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-caf88243-7b02-4126-af92-ef549eca5607" } ], "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-8633b2ca-3fd0-4e52-9fde-b2bb667fef1d" } ], "id": "4cba624b-b9fb-4b52-a6bd-e2420be8a559", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-4cba624b-b9fb-4b52-a6bd-e2420be8a559" }, { "name": "{report_id}:generate-pdf", "item": [ { "name": "Tink Generate An Income Check PDF", "id": "363e57c2-13f7-4c48-b242-b8f6a8950728", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "GET", "header": [ { "key": "Accept", "value": "application/pdf" } ], "url": { "raw": "{{baseUrl}}/v2/income-checks/{{report_id}}:generate-pdf", "host": [ "{{baseUrl}}" ], "path": [ "v2", "income-checks", "{{report_id}}:generate-pdf" ] }, "description": "Retrieve the Income Check report rendered as a PDF for compliance archives." }, "response": [ { "id": "40056696-1c99-42be-94ab-12d2aa345d31", "name": "PDF returned.", "originalRequest": { "method": "GET", "header": [ { "key": "Accept", "value": "application/pdf" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "url": { "raw": "{{baseUrl}}/v2/income-checks/{{report_id}}:generate-pdf", "host": [ "{{baseUrl}}" ], "path": [ "v2", "income-checks", "{{report_id}}:generate-pdf" ] } }, "status": "OK", "code": 200, "_postman_previewlanguage": "text", "header": [ { "key": "Content-Type", "value": "application/pdf" } ], "cookie": [], "responseTime": null, "body": "", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-40056696-1c99-42be-94ab-12d2aa345d31" } ], "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-363e57c2-13f7-4c48-b242-b8f6a8950728" } ], "id": "6c53f1ab-32ef-4523-a620-e80f0807aae8", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-6c53f1ab-32ef-4523-a620-e80f0807aae8" } ], "id": "173256e8-0e05-488a-ada3-fd1b87178366", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-173256e8-0e05-488a-ada3-fd1b87178366" } ], "id": "5b5de7af-da8a-467e-8c4d-7626f98cceb2", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-5b5de7af-da8a-467e-8c4d-7626f98cceb2" }, { "name": "risk", "item": [ { "name": "v1", "item": [ { "name": "expense-checks", "item": [ { "name": "{report_id}", "item": [ { "name": "Tink Get An Expense Check Report", "id": "5a6e8efb-2b61-4f36-a303-aad3915faf46", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" } ], "url": { "raw": "{{baseUrl}}/risk/v1/expense-checks/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "risk", "v1", "expense-checks", ":report_id" ], "variable": [ { "id": "aaafea12-2422-4740-9754-75ae57719aad", "key": "report_id", "value": "", "description": "(Required) " } ] }, "description": "Retrieve a completed Expense Check report summarising essential and discretionary spending." }, "response": [ { "id": "e84fb958-11e2-4227-8d61-3516fe259d07", "name": "Expense Check report returned.", "originalRequest": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "url": { "raw": "{{baseUrl}}/risk/v1/expense-checks/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "risk", "v1", "expense-checks", ":report_id" ], "variable": [ { "key": "report_id" } ] } }, "status": "OK", "code": 200, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"id\": \"\",\n \"generatedAt\": \"\",\n \"summary\": {\n \"essentialExpenses\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"discretionaryExpenses\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"totalExpenses\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n }\n },\n \"categories\": [\n {\n \"id\": \"\",\n \"name\": \"\",\n \"amount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"transactionCount\": \"\"\n },\n {\n \"id\": \"\",\n \"name\": \"\",\n \"amount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"transactionCount\": \"\"\n }\n ]\n}", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-e84fb958-11e2-4227-8d61-3516fe259d07" } ], "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-5a6e8efb-2b61-4f36-a303-aad3915faf46" } ], "id": "8adc1012-c3a8-487e-8517-6ed757bc9ae7", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-8adc1012-c3a8-487e-8517-6ed757bc9ae7" } ], "id": "26b66811-019a-41d3-9390-e76fd02fe0c2", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-26b66811-019a-41d3-9390-e76fd02fe0c2" }, { "name": "risk-insights", "item": [ { "name": "{report_id}", "item": [ { "name": "Tink Get A Risk Insights Report", "id": "bd0aa7cc-7b28-472e-9801-96bc8584cda9", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" } ], "url": { "raw": "{{baseUrl}}/risk/v1/risk-insights/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "risk", "v1", "risk-insights", ":report_id" ], "variable": [ { "id": "b47de349-dfab-4db3-a0e9-5416977b59ec", "key": "report_id", "value": "", "description": "(Required) " } ] }, "description": "Retrieve a Risk Insights report combining income, expenses, balance volatility, and risk signals." }, "response": [ { "id": "f70a52a9-4bb8-443e-8ce8-c2cc5512d483", "name": "Risk Insights report returned.", "originalRequest": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "url": { "raw": "{{baseUrl}}/risk/v1/risk-insights/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "risk", "v1", "risk-insights", ":report_id" ], "variable": [ { "key": "report_id" } ] } }, "status": "OK", "code": 200, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"id\": \"\",\n \"generatedAt\": \"\",\n \"signals\": [\n {\n \"code\": \"\",\n \"severity\": \"HIGH\",\n \"description\": \"\"\n },\n {\n \"code\": \"\",\n \"severity\": \"MEDIUM\",\n \"description\": \"\"\n }\n ],\n \"incomeSummary\": {\n \"id\": \"\",\n \"market\": \"\",\n \"generatedAt\": \"\",\n \"verifiedIncomes\": [\n {\n \"source\": \"\",\n \"payer\": \"\",\n \"category\": \"INTEREST\",\n \"cadence\": \"BIWEEKLY\",\n \"averageAmount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"firstSeen\": \"\",\n \"lastSeen\": \"\"\n },\n {\n \"source\": \"\",\n \"payer\": \"\",\n \"category\": \"BENEFIT\",\n \"cadence\": \"MONTHLY\",\n \"averageAmount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"firstSeen\": \"\",\n \"lastSeen\": \"\"\n }\n ],\n \"summary\": {\n \"totalNetIncome\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"averageMonthlyIncome\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"consecutiveMonthsWithIncome\": \"\"\n }\n },\n \"expenseSummary\": {\n \"id\": \"\",\n \"generatedAt\": \"\",\n \"summary\": {\n \"essentialExpenses\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"discretionaryExpenses\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"totalExpenses\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n }\n },\n \"categories\": [\n {\n \"id\": \"\",\n \"name\": \"\",\n \"amount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"transactionCount\": \"\"\n },\n {\n \"id\": \"\",\n \"name\": \"\",\n \"amount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"transactionCount\": \"\"\n }\n ]\n },\n \"balanceVolatility\": {\n \"averageBalance\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"minimumBalance\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"overdraftDays\": \"\"\n }\n}", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-f70a52a9-4bb8-443e-8ce8-c2cc5512d483" } ], "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-bd0aa7cc-7b28-472e-9801-96bc8584cda9" } ], "id": "117679ec-966f-452f-9dbf-502bf46cdb40", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-117679ec-966f-452f-9dbf-502bf46cdb40" } ], "id": "0016b950-b094-4815-bef7-be144d420aff", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-0016b950-b094-4815-bef7-be144d420aff" } ], "id": "54e2c9ab-9feb-414a-bbb0-02db37d580a1", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-54e2c9ab-9feb-414a-bbb0-02db37d580a1" }, { "name": "v2", "item": [ { "name": "risk-categorisation", "item": [ { "name": "reports", "item": [ { "name": "{report_id}", "item": [ { "name": "Tink Get A Risk Categorisation Report", "id": "d7a7dad7-df76-441a-824e-9c5b89ef577c", "protocolProfileBehavior": { "disableBodyPruning": true }, "request": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" } ], "url": { "raw": "{{baseUrl}}/risk/v2/risk-categorisation/reports/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "risk", "v2", "risk-categorisation", "reports", ":report_id" ], "variable": [ { "id": "4cc6b943-0835-4373-840e-27bba9acd464", "key": "report_id", "value": "", "description": "(Required) " } ] }, "description": "Retrieve a Risk Categorisation report classifying transactions for lending and affordability decisions." }, "response": [ { "id": "dcc5ffd6-5f33-4026-bfa1-b83e3a05c13f", "name": "Risk Categorisation report returned.", "originalRequest": { "method": "GET", "header": [ { "key": "Accept", "value": "application/json" }, { "description": "Added as a part of security scheme: bearer", "key": "Authorization", "value": "Bearer " } ], "url": { "raw": "{{baseUrl}}/risk/v2/risk-categorisation/reports/:report_id", "host": [ "{{baseUrl}}" ], "path": [ "risk", "v2", "risk-categorisation", "reports", ":report_id" ], "variable": [ { "key": "report_id" } ] } }, "status": "OK", "code": 200, "_postman_previewlanguage": "json", "header": [ { "key": "Content-Type", "value": "application/json" } ], "cookie": [], "responseTime": null, "body": "{\n \"id\": \"\",\n \"generatedAt\": \"\",\n \"categories\": [\n {\n \"category\": \"\",\n \"riskTier\": \"HIGH\",\n \"amount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"transactionCount\": \"\"\n },\n {\n \"category\": \"\",\n \"riskTier\": \"MEDIUM\",\n \"amount\": {\n \"amount\": \"\",\n \"currencyCode\": \"\"\n },\n \"transactionCount\": \"\"\n }\n ]\n}", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-dcc5ffd6-5f33-4026-bfa1-b83e3a05c13f" } ], "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-d7a7dad7-df76-441a-824e-9c5b89ef577c" } ], "id": "83c43804-de54-473f-a427-7e1d12cc22b3", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-83c43804-de54-473f-a427-7e1d12cc22b3" } ], "id": "3172a8df-fab9-43de-8cc6-7c9f3f5ce7bb", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-3172a8df-fab9-43de-8cc6-7c9f3f5ce7bb" } ], "id": "a556f029-badb-49db-a9c3-0c52d74d2e7f", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-a556f029-badb-49db-a9c3-0c52d74d2e7f" } ], "id": "637cf276-8b50-449e-b506-0dd0156a17ab", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-637cf276-8b50-449e-b506-0dd0156a17ab" } ], "id": "4921dca8-fe8b-4a03-8bb9-e2ba32d15c13", "createdAt": "2026-06-05T15:19:25.000Z", "updatedAt": "2026-06-05T15:19:25.000Z", "uid": "35240-4921dca8-fe8b-4a03-8bb9-e2ba32d15c13" } ], "auth": { "type": "bearer", "bearer": [ { "key": "token", "value": "{{bearerToken}}", "type": "string" } ] }, "variable": [ { "key": "baseUrl", "value": "https://api.tink.com" }, { "key": "report_id", "value": "" } ] }