Continuous access to account and transaction data with permanent users.

This module provides ongoing access to bank account and transaction data through permanent user creation. Ideal for:

• Recurring data access
• Long-term financial monitoring
• Multi-session access
• Production applications

Flow Overview

# Step 1: Create permanent user
client = Tink.client(scope: "user:create")

{:ok, user} = Tink.TransactionsContinuousAccess.create_user(client, %{
  external_user_id: "user_123",
  market: "GB",
  locale: "en_US"
})

# Step 2: Grant user access for Tink Link
grant_client = Tink.client(scope: "authorization:grant")

{:ok, grant} = Tink.TransactionsContinuousAccess.grant_user_access(grant_client, %{
  user_id: user["user_id"],
  id_hint: "john.doe@example.com",
  scope: "authorization:read,authorization:grant,credentials:refresh,credentials:read,credentials:write,providers:read,user:read"
})

# Step 3: Build Tink Link URL
tink_link_url = Tink.TransactionsContinuousAccess.build_tink_link(grant["code"], %{
  client_id: "your_client_id",
  market: "GB",
  locale: "en_US",
  redirect_uri: "https://yourapp.com/callback"
})

# Step 4: Redirect user to tink_link_url
# User completes bank authentication
# User is redirected back to your redirect_uri

# Step 5: Create authorization for data access
auth_client = Tink.client(scope: "authorization:grant")

{:ok, auth} = Tink.TransactionsContinuousAccess.create_authorization(auth_client, %{
  user_id: user["user_id"],
  scope: "accounts:read,balances:read,transactions:read,provider-consents:read"
})

# Step 6: Get user access token
{:ok, token} = Tink.TransactionsContinuousAccess.get_user_access_token(client, auth["code"])

# Step 7: Create authenticated client
user_client = Tink.client(access_token: token["access_token"])

# Step 8: Access data anytime
{:ok, accounts} = Tink.TransactionsContinuousAccess.list_accounts(user_client)
{:ok, transactions} = Tink.TransactionsContinuousAccess.list_transactions(user_client)

Complete Example

defmodule MyApp.ContinuousTransactions do
  @spec setup_user(String.t(), String.t()) :: {:ok, map()} | {:error, term()}
  def setup_user(external_user_id, email) do
    # Step 1: Create user
    create_client = Tink.client(scope: "user:create")
    {:ok, user} = Tink.TransactionsContinuousAccess.create_user(create_client, %{
      external_user_id: external_user_id,
      market: "GB",
      locale: "en_US"
    })

    # Step 2: Grant access
    grant_client = Tink.client(scope: "authorization:grant")
    {:ok, grant} = Tink.TransactionsContinuousAccess.grant_user_access(grant_client, %{
      user_id: user["user_id"],
      id_hint: email,
      scope: "authorization:read,authorization:grant,credentials:refresh,credentials:read,credentials:write,providers:read,user:read"
    })

    # Step 3: Build Tink Link
    tink_link = Tink.TransactionsContinuousAccess.build_tink_link(grant["code"], %{
      client_id: Application.get_env(:my_app, :tink_client_id),
      market: "GB",
      locale: "en_US",
      redirect_uri: "https://myapp.com/callback"
    })

    {:ok, %{user_id: user["user_id"], tink_link: tink_link}}
  end

  @spec fetch_data(String.t()) :: {:ok, map()} | {:error, term()}

  def fetch_data(user_id) do
    # Create authorization
    auth_client = Tink.client(scope: "authorization:grant")
    {:ok, auth} = Tink.TransactionsContinuousAccess.create_authorization(auth_client, %{
      user_id: user_id,
      scope: "accounts:read,balances:read,transactions:read,provider-consents:read"
    })

    # Get token
    client = Tink.client()
    {:ok, token} = Tink.TransactionsContinuousAccess.get_user_access_token(client, auth["code"])

    # Fetch data
    user_client = Tink.client(access_token: token["access_token"])

    with {:ok, accounts} <- Tink.TransactionsContinuousAccess.list_accounts(user_client),
         {:ok, transactions} <- Tink.TransactionsContinuousAccess.list_transactions(user_client) do
      {:ok, %{accounts: accounts, transactions: transactions}}
    end
  end
end

Required Scopes

User Creation

• user:create

Authorization Grant

• authorization:grant
• authorization:read
• credentials:refresh
• credentials:read
• credentials:write
• providers:read
• user:read

Data Access

• accounts:read
• balances:read
• transactions:read
• provider-consents:read

Links

• Continuous Access Documentation