One-time access to account and transaction data.

This module provides quick, temporary access to bank account and transaction data without creating a permanent user. Ideal for:

• One-time data verification
• Temporary account analysis
• Quick financial snapshots
• Non-recurring access needs

Flow Overview

# Step 1: Build Tink Link URL in Console (Transactions > Tink Link)
# User completes authorization flow
# Receive authorization code via redirect

# Step 2: Exchange code for access token
client = Tink.client(
  client_id: "your_client_id",
  client_secret: "your_client_secret"
)

{:ok, token_response} = Tink.Auth.exchange_code(client, code)

# Step 3: Create client with access token
user_client = Tink.client(access_token: token_response["access_token"])

# Step 4: List accounts
{:ok, accounts} = Tink.TransactionsOneTimeAccess.list_accounts(user_client)

# Step 5: List transactions
{:ok, transactions} = Tink.TransactionsOneTimeAccess.list_transactions(user_client)

Use Cases

Quick Financial Snapshot

@spec get_financial_snapshot(Client.t()) :: {:ok, map()} | {:error, Error.t()}

def get_financial_snapshot(user_client) do
  with {:ok, accounts} <- Tink.TransactionsOneTimeAccess.list_accounts(user_client),
       {:ok, transactions} <- Tink.TransactionsOneTimeAccess.list_transactions(user_client,
         booked_date_gte: Date.add(Date.utc_today(), -30) |> Date.to_iso8601(),
         status_in: ["BOOKED"]
       ) do
    %{
      total_balance: calculate_total_balance(accounts),
      account_count: length(accounts["accounts"]),
      transaction_count: length(transactions["transactions"]),
      spending_last_30_days: calculate_spending(transactions)
    }
  end
end

One-time Affordability Check

@spec verify_affordability(String.t(), number()) :: {:ok, map()} | {:error, Error.t()}

def verify_affordability(authorization_code, required_income) do
  # Exchange code for token
  client = Tink.client()
  {:ok, token} = Tink.Auth.exchange_code(client, authorization_code)
  user_client = Tink.client(access_token: token["access_token"])

  # Get transactions
  {:ok, transactions} = Tink.TransactionsOneTimeAccess.list_transactions(user_client,
    booked_date_gte: Date.add(Date.utc_today(), -90) |> Date.to_iso8601(),
    status_in: ["BOOKED"]
  )

  # Calculate income
  total_income =
    transactions["transactions"]
    |> Enum.filter(&(&1["amount"]["value"] > 0))
    |> Enum.reduce(0, &(&1["amount"]["value"] + &2))

  monthly_income = total_income / 3

  if monthly_income >= required_income do
    {:ok, :meets_requirement}
  else
    {:error, :insufficient_income}
  end
end

Required Scopes

• accounts:read - Read account information
• transactions:read - Read transaction data

Links

• One-time Access Documentation