Airapi vs Flinks

by Gralio Feb 26, 2025

Airapi and Flinks cater to different needs within the financial sector. Airapi helps institutions manage their APIs and comply with open banking regulations, while Flinks empowers businesses with financial data insights for improved decision-making.

At Gralio.ai we help to simplify your decision-making process by offering detailed, side-by-side software comparisons like this one, to help you confidently choose the tool that aligns with your business goals.

This comparison was created by analysing 78 reviews and 60 websites, saving 56 minutes of reading.

Airapi

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Flinks

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About

Airapi is a software platform designed for financial institutions. It provides tools to manage and share APIs, complying with open banking standards like PSD2. This allows banks and fintech companies to offer their services through a single platform, simplifying connections with third-party applications and developers. Airapi aims to streamline banking operations and foster innovation in financial services.

Flinks provides financial data tools to businesses, primarily through APIs. It allows companies to connect to their users' bank accounts to verify financial information and analyze transaction history. This data helps businesses make more informed decisions regarding credit risk, income verification, and fraud detection. Flinks is used by various financial institutions, fintech companies, and lenders to improve services like loan underwriting, digital banking, and payments.

Summary

Main difference

Airapi focuses on API management and open banking compliance for financial institutions, especially those working with the BKM standard. Flinks specializes in providing financial data access and analysis through APIs, aiding in credit risk assessment and financial decision-making.

Relative strengths of Airapi (compared to Flinks)

Strong BKM Open Banking compliance support with a high success rate.
Modular architecture offers flexibility for customization.
Streamlines banking operations and fosters innovation through a centralized platform.

Relative weaknesses of Airapi (compared to Flinks)

Limited online documentation and unclear pricing.
Fewer third-party integrations compared to Flinks.
User interface/user experience could be improved.

Who should use Airapi VS. Flinks

Airapi is an API management platform designed for financial institutions to manage and share APIs, complying with open banking standards like PSD2. It simplifies connections with third-party applications and developers. Users praise its security, scalability, and ease of use for API management. However, some have noted limited online documentation and occasional performance issues. Airapi helps streamline banking operations and foster innovation in financial services.

Flinks is a financial data API platform that helps businesses connect to user bank accounts for verification and transaction analysis. This empowers lenders and fintech companies to make data-driven decisions regarding credit risk and fraud detection. Users praise Flinks for its easy-to-use API and responsive customer support, while some note occasional connectivity issues and limited report customization.

Ideal for small to medium-sized businesses seeking open banking solutions.
Best for fintech companies and financial institutions aiming to streamline banking operations.

Ideal for fintech companies, financial institutions, and lenders seeking to improve loan underwriting, digital banking, and payments.
Best for businesses in financial services, particularly those focused on lending, digital banking, and payment processing.

Airapi and Flinks features

Supported

Partially supported

Not supported

Type in the name of the feature or in your own words tell us what you need

BKM Services Integration

Supported

Airapi supports BKM Open Banking, Payment Request, and TR QR Code Integration.

Not supported

BKM services integration is not supported.
Modular Architecture

Supported

Airapi supports modular architecture, enabling customization and flexibility to meet client needs.

Unknown

Flinks does not explicitly mention modular architecture support.
BKM Open Banking Certification

Supported

Airapi facilitates BKM Open Banking certification with a claimed 100% success rate through seamless integration.

Not supported

Flinks does not offer BKM Open Banking Certification.
Banking data

Partially supported

Airapi supports open banking and secure data sharing, but aggregating data from multiple banks is not confirmed.

Supported

Flinks connects to banks and aggregates banking data via API or statement uploads.
Account opening process

Partially supported

Airapi does not directly support account opening, but may be integrated with other services that do.

Not supported

Flinks does not directly support account opening, but facilitates parts of the process like verification.
Loan application

Not supported

Airapi does not directly support loan applications.

Partially supported

Flinks facilitates loan applications by providing income and bank verification.

Qualities

Value and Pricing Transparency

No data

No data
Customer Service

No data

No data
Ease of Use

No data

No data
Reliability and Performance

No data

No data
Ease of Implementation

No data

No data
Scalability

No data

No data

Airapi and Flinks Pricing

No data

We couldn't find a pricing page for Airapi.

No data

We couldn't find a pricing page for Flinks.

Airapi and Flinks review insights

Users love

Secure platform for sharing financial information.
Scalable and reliable for various API needs.
Simplifies open banking compliance.
Good customer support.
Easy to use for API management and publishing.

Easy-to-use API and developer-friendly documentation.
Comprehensive data aggregation from Canadian banks and brokers.
Responsive and helpful customer support.
Fast and efficient onboarding process.
Flexible solutions for various business needs.

Users dislike

Limited online support and documentation.
Unclear or custom pricing plans make it difficult to estimate costs.
UI/UX could be improved for better user experience.
Limited third-party integrations.
Occasional performance glitches or lags.

Occasional connectivity issues with certain financial institutions, especially smaller credit unions.
Inconsistencies in data calculations and transaction categorization.
Limited customization options for reports.
Screen scraping method can be susceptible to errors when bank interfaces change.
90-day refresh window can be insufficient for some use cases.

Airapi and Flinks Ratings

G2

4.3/5

(20)
Glassdoor

4.7/5

(7)

G2

4.4/5

(58)
Glassdoor

3.9/5

(46)

Company health

Employee growth

33% increase in the last year

14% decrease in the last year

Web traffic

74% increase in the last quarter

39% decrease in the last quarter

Financing

No data

May 2021 - $93M

How do Flinks and Airapi differ in their API integration approaches?

Flinks focuses on providing access to financial data through APIs for data analysis and verification, such as transaction history analysis for credit risk assessment. Airapi, on the other hand, centers on API management and sharing, particularly for financial institutions to comply with open banking standards and facilitate third-party integrations with their services. Essentially, Flinks helps businesses retrieve and utilize financial data, while Airapi helps institutions manage and share their own APIs.

Which product, Airapi or Flinks, best supports open banking compliance in Europe?

Airapi is better suited for open banking compliance in Europe. Its explicit mention of PSD2 compliance and focus on API management for financial institutions suggests a stronger alignment with European open banking regulations. While Flinks offers financial data tools, it lacks the specific features and compliance focus that Airapi provides for the European market.

What are the advantages of Airapi?

Airapi's advantages include its focus on open banking compliance, particularly with a claimed 100% success rate for BKM Open Banking certification. Its modular architecture offers flexibility for customization, and it streamlines API management and sharing for financial institutions. Users praise its security, scalability, and ease of use for API publishing.

What are the disadvantages of Airapi?

Airapi has limited online support and documentation, which can hinder troubleshooting and effective usage. The pricing structure isn't transparent, making cost estimation difficult. Some users have reported that the user interface and experience could be improved. Furthermore, Airapi has limited third-party integrations compared to competitors, potentially restricting its functionality within broader software ecosystems. Finally, occasional performance glitches and lags have been reported, which could disrupt workflows.

Alternatives to Airapi and Flinks

MX is a financial technology platform that helps banks and credit unions improve their customers' mobile banking experience. It provides tools to analyze customer data, personalize features, and offer insights into financial health. MX works with financial institutions to build new mobile banking apps or improve existing ones, aiming for a seamless and engaging user experience.

Synctera

Synctera is a banking platform that helps companies build and launch their own financial products. Through a single set of APIs, businesses can access tools for bank accounts, card programs, money movement, lending, and more. Synctera focuses on simplifying the process of integrating with banks and managing compliance, making it easier for companies to launch and scale their financial offerings. It allows businesses to either partner with a bank in Synctera's network or bring their own banking partner.

waalaxy

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Stoplight

Stoplight is a software platform that helps businesses design, build, and manage their APIs (connection points between software applications). It allows teams to plan APIs in advance, automatically generates documentation, and ensures quality and consistency. Stoplight promotes a "design-first" approach to API development, aiming to reduce errors, improve collaboration, and speed up the development process. It's suitable for organizations of all sizes that need to create and manage APIs efficiently.

Kiwi for Gmail

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Ruler Analytics

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Page co-authored by

Michal Kaczor

CEO at Gralio

Michal has worked at startups for many years and writes about topics relating to software selection and IT management. As a former consultant for Bain, a business advisory company, he also knows how to understand needs of any business and find solutions to its problems.

Tymon Terlikiewicz

CTO at Gralio

Tymon is a seasoned CTO who loves finding the perfect tools for any task. He recently headed up the tech department at Batmaid, a well-known Swiss company, where he managed about 60 software purchases, including CX, HR, Payroll, Marketing automation and various developer tools.

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