Building with MoneyKit

API Keys and Environments

There are two different MoneyKit API environments that both live within a single URL, and each environment will have its own pair of API keys for authenticating your requests.

MoneyKit API URL

Environments

Front End SDKs

MoneyKit’s front end SDK for linking bank accounts is called Connect.

Connect SDK is currently available for:

The Connect SDK will take in your various configurations for the bank linking experience like your theme and product requirements, and will keep you informed of the end user’s linking experience through event callbacks.

A successful linking experience will return you a temporary exchangeable_token in the success callback, that you will then exchange with the MoneyKit API for a long-lived link_id.

Creating your first MoneyKit Link

A Link is what is created when one of your end users successfully links their bank accounts with your MoneyKit integration.

From a developer perspective, it only takes 5 steps to create a link and then fetch data for it.

1. Create a Bearer token to authenticate your requests to api.moneykit.com
2. Create a link_session_token with your custom configurations for the linking session
3. Pass the link_session_token to the Connect SDK in your front end application to launch the linking experience
4. Pass the temporary exchangeable_token received from the SDK’s success callback to the MoneyKit API to receive a link_id for the new Link.
5. Use the link_id with your requests to the MoneyKit product endpoints to fetch data for the link

Below is a walkthrough of these five steps including code examples.

Open Connect Directly to an Institution’s Login Screen

In some cases you might want to bypass the Connect institution search screen, and launch the Connect SDK directly to a specific institution’s login screen.

To do this you want to include the institution_id in your request to https://api.moneykit.com/link-session.

curl --request POST \
  --url 'https://api.moneykit.com/link-session' \
  --header 'accept: application/json' \
  --header 'content-type: application/json'
  --header 'Authorization: Bearer { 52ea3d1b4f9a53fffb67 }'
  --data 'settings: {'products':['account_numbers','transactions'],'countries':['US']}'
  --data 'customer_user: {'id': test_user_1}'
  --data 'redirect_uri: finwizard://oauth'
  --data 'institution_id: chase' # <--- Include the institution_id
  --data 'webhook: https://finwizard.com/moneykit/hook'

Re-authenticate a broken Link

If you receive an auth_expired error with one of your Links, this means the Link needs to be re-authenticated by the owner of those accounts. In order to launch the Connect SDK directly to that institution for a re-authentication flow, just include the respective link_id in your request to https://api.moneykit.com/link-session.

curl --request POST \
  --url 'https://api.moneykit.com/link-session' \
  --header 'accept: application/json' \
  --header 'content-type: application/json'
  --header 'Authorization: Bearer { 52ea3d1b4f9a53fffb67 }'
  --data 'settings: {'products':['account_numbers','transactions'],'countries':['US']}'
  --data 'customer_user: {'id': test_user_1}'
  --data 'redirect_uri: finwizard://oauth'
  --data 'existing_link_id: mk_gVLxQ8wapHsCpF4DwCadAw' # <--- Include the link_id as existing_link_id
  --data 'webhook: https://finwizard.com/moneykit/hook'

Handle OAuth redirect

In order to successfully complete an OAuth linking experience, you will need to pass a redirect_uri with your request to https://api.moneykit.com/link-session. Whatever URI you include is where MoneyKit will return the end user after they successfully complete an OAuth Link.

iOS Example

Scene Delegate code to handle incoming redirect:

import UIKit
class SceneDelegate: UIResponder, UIWindowSceneDelegate {

    private var startViewController: StartViewController!

    func scene(_ scene: UIScene, openURLContexts URLContexts: Set<UIOpenURLContext>) {
        if let urlContext = URLContexts.first {
            startViewController.handleCallback(url: urlContext.url)
        }
    }

}

ViewController using the Connect SDK to continue the OAuth flow:

public func handleCallback(url: URL) {
    if let moneykitLinkHandler = moneykitLinkHandler {
        moneykitLinkHandler.continueFlow(from: url)
    }
}