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Creating institution connections is the core of Meld’s Bank Linking service: it is how your application gains permissioned access to a customer’s financial data. This guide is for developers integrating bank account linking into their product, and walks you through every step required to establish a working connection. Each connection has its own set of products associated with it, and is established via an underlying service provider.

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Before you begin

Before creating your first connection, make sure you have:
  • A Meld account with at least one Bank Linking service provider enabled in the dashboard
  • A sandbox API key (treat it as a secret — never expose it in front-end code)
  • A webhook profile configured if you plan to react to connection lifecycle events
  • Reviewed the list of supported products so you know which to request

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Steps to make a connection

  1. Create a connect token. Choose the products for which you would like data.
  2. Launch the widget.
  3. The user selects an institution.
  4. The user completes the connection.

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Routing

Routing sends the user to the best available provider to complete their connection. More information on bank linking routing can be found in the Routing overview.
Routing across service providersMeld’s Bank Linking stack lets you route customers to specific service providers based on predefined defaults, a service provider waterfall driven by institution coverage and availability, or institution-specific decisioning.Routing rules are defined within the Meld dashboard.