Developing 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.

The environment you use will be determined by which pair of API keys you use to authenticate your API request.

MoneyKit API URL

api.moneykit.com

Environments

Sandbox

The Sandbox environment allows you to get testing quickly, providing three different test institutions that return rich data.

Credentials Bank

The Credentials Bank allows you to test a standard credential entry linking flow.Test credentials:

Username: user_good
Password: pass_good

Instant Bank

Instant Bank will get you testing the fastest, bypassing any credential entry and linking instantly.

OAuth Bank

The OAuth Bank will help to get your OAuth flow setup and tested in the sandbox environment, so you’re ready to redirect live institutions back to your application when the time comes.

Live

The Live environment allows for linking with live banks, this is the environment you want to use with your production application.For testing the Live environment, you can request a pair of trial API keys. Trial keys contain a limited number of live links that can be created free of charge. When you hit the limit of free links you can create with your Trial keys, you can disconnect those links to get testing again.

Front End SDKs

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

iOS

Swift

Web

React

React Native

iOS • Android • Expo

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.

Every Link has a link_id, and this is what you will use to identify those accounts when fetching product data from the MoneyKit API.

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

Create a Bearer token to authenticate your requests to api.moneykit.com
Create a link_session_token with your custom configurations for the linking session
Pass the link_session_token to the Connect SDK in your front end application to launch the linking experience
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.
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.

Walkthrough

1. Create a Bearer token for API request authentication

Create an access_token to use MoneyKit. POST your client_id and client_secret to /auth/token to receive an access_token for API authentication.

curl --request POST \
  --url "https://api.moneykit.com/auth/token" \
  --header "accept: application/json" \
  --header "content-type: application/x-www-form-urlencoded"
  --data "grant_type: client_credentials"
  --data "client_id: production_YKI24W"
  --data "client_secret: MKR239dj393"

2. Create a `link_session_token`

A link_session_token is required for opening MoneyKit Connect in your front end application. POST your session settings to /link-session to create a link_session_token.

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 'webhook: https://finwizard.com/moneykit/hook'

3. Launch the Connect SDK with your `link_session_token`

Open MoneyKit Connect with the link_session_token. To use MoneyKit Connect in your iOS app:
Install MoneyKit Connect via package manager or manual linking.
Create a MKConfiguration with the link_session_token.
Create a MKLinkHandler with the previously initialized MKConfiguration. The handler must be retained for the duration of the Money Link flow.
Open MoneyKit Connect by calling presentInstitutionSelectionFlow(using:) on the handler object. This will usually be done in a button’s target action.
Use the onSuccess configuration callback to determine the link type and for new links extract the MKExchangeableToken from the linked institution.

import UIKit
import MoneyKit
class StartViewController: UIViewController {

    let linkSessionToken: String = "c7318ff7-257c-490e-8242-03a815b223b7"
    var moneykitLinkHandler: MKLinkHandler?
    func presentMoneyKitConnect() {
        do {
            let config =  try MKConfiguration(

            sessionToken: linkSessionToken,
            onSuccess: { [self] successType in
                switch successType {
                case let .linked(linkedInstitution):
                    print("ready to exchange token")
                    exchangeTokenForLinkId(exchangeableToken: linkedInstitution.token)
                case let .relinked(relinkedInstitution):
                    print("Did relink \(relinkedInstitution.institution.name) in MoneyKit ")
                @unknown default:
                    print("unknown mk link success type")
                }
            },
            onExit: {
                print("MoneyKit flow was dismissed")
            },
            onEvent: { eventType in
                print("MoneyKit event: \(eventType.name)")
            },
            onError: { errorType in
                print("MoneyKit event: \(errorType.name)")
            })

            moneykitLinkHandler = MKLinkHandler(configuration: config)
            let presentationMethod = MKPresentationMethod.modal(presentingViewController: self)
            moneykitLinkHandler?.presentInstitutionSelectionFlow(using: presentationMethod)

        } catch let error {
            print("MoneyKit error: \(error.localizedDescription)")
        }
     }

    func exchangeTokenForLinkId(exchangeableToken: MKExchangeableToken) {
        print("MoneyKit exchangable_token: \(exchangeableToken.value)")
        // Pass the MKExchangeableToken to your server and call
        // POST /exchange-token to exchange it for a link_id
    }

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

4. Swap `exchangeable_token` for a `link_id`

Exchange for link_id. POST the exchangeable_token from the successful link session to /link-session/exchange-token in order to receive the link_id for the link.

curl --request POST \
  --url 'https://api.moneykit.com/link-session/exchange-token' \
  --header 'accept: application/json' \
  --header 'content-type: application/json'
  --header 'Authorization: Bearer { 52ea3d1b4f9a53fffb67 }'
  --data 'exchangeable_token: { your_exchangeable_token }'

5. Use the `link_id` with requests to MoneyKit API product endpoints

Use the link_id to fetch data (for example, /accounts, /transactions) for the link.

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.

When re-authenticating a Link, there will be no exchangable_token returned by the Connect SDK success callback, and thus no need to call the MoneyKit exchange endpoint. Once the user successfully authenticates their accounts, you will be able to resume using the existing link_id.

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.

It is imperative that the page in your application that is redirected to has implemented the continue() method for the Connect SDK. This ensures that the OAuth flow is completed.

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)
    }
}

Web Example

Coming soon.

React Native Example

Coming soon.

Get Started

API

Reference

API Keys and Environments

MoneyKit API URL

Environments

Credentials Bank

Instant Bank

OAuth Bank

Front End SDKs

iOS

Web

React Native

Creating your first MoneyKit Link

1. Create a Bearer token for API request authentication

2. Create a `link_session_token`

3. Launch the Connect SDK with your `link_session_token`

4. Swap `exchangeable_token` for a `link_id`

5. Use the `link_id` with requests to MoneyKit API product endpoints

Re-authenticate a broken Link

Handle OAuth redirect

iOS Example

Scene Delegate code to handle incoming redirect

ViewController using the Connect SDK to continue the OAuth flow

Web Example

React Native Example

Get Started

API

Reference

​API Keys and Environments

​MoneyKit API URL

​Environments

​Credentials Bank

​Instant Bank

​OAuth Bank

​Front End SDKs

iOS

Web

React Native

​Creating your first MoneyKit Link

​1. Create a Bearer token for API request authentication

​2. Create a link_session_token

​3. Launch the Connect SDK with your link_session_token

​4. Swap exchangeable_token for a link_id

​5. Use the link_id with requests to MoneyKit API product endpoints

​Open Connect Directly to an Institution’s Login Screen

​Re-authenticate a broken Link

​Handle OAuth redirect

​iOS Example

​Scene Delegate code to handle incoming redirect

​ViewController using the Connect SDK to continue the OAuth flow

​Web Example

​React Native Example

API Keys and Environments

MoneyKit API URL

Environments

Credentials Bank

Instant Bank

OAuth Bank

Front End SDKs

Creating your first MoneyKit Link

1. Create a Bearer token for API request authentication

2. Create a `link_session_token`

3. Launch the Connect SDK with your `link_session_token`

4. Swap `exchangeable_token` for a `link_id`

5. Use the `link_id` with requests to MoneyKit API product endpoints

Open Connect Directly to an Institution’s Login Screen

Re-authenticate a broken Link

Handle OAuth redirect

iOS Example

Scene Delegate code to handle incoming redirect

ViewController using the Connect SDK to continue the OAuth flow

Web Example

React Native Example