Request
An approved institution identifies itself, the purpose, exact scopes and duration.
One protocol across financial providers.
DataLink separates a reusable financial account connection from every permission to use it—keeping the product consistent while providers retain control.
How a connection works
Provider differences stop at the Financial Provider Adapter boundary. Partners use DataLink’s canonical models and never need to understand a bank’s native API.
Authorize
The customer continues to their bank or wallet, authenticates and makes the final decision.
Connect
DataLink establishes a stable verified connection without collecting financial credentials.
Access
Only information covered by the active permission is retrieved, normalized and audited.
Connection lifecycle
Pending verification→Action required→Verified→Reconnect
Connections retain a stable identity through reverification and reconnection where appropriate. Disconnecting stops future use while preserving required audit evidence.
Canonical capabilities
account.identityVerify the account holder and account identity.
transactions.readRetrieve transaction history for an approved period.
income.summaryReturn a deterministic recurring-income summary.
cashflow.summaryReturn documented cash-flow indicators.