Welcome to Meld's Bank Linking Product! Meld’s Bank Linking stack enables you to work with multiple bank linking providers through an integrated API and UX flow.

Before you start using Meld's products, first make sure that you have completed Onboarding and have your Meld API key available.

The page includes a summary of how to create and manage a connection, a list of Meld environments, and a glossary with an accompanying diagram to explain Meld's terminology.

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Public Postman Workspace

Meld offers public postman collections for our core endpoints to get you started. Please use it in conjunction with the documentation to understand the full power of Meld's API.

The Postman workspace can be found here.

How to Use the Product

Here is a high level summary of how you can build an app that interacts with Meld, any bank linking provider, and your customer.

1. Create a connection to your customer's bank account(s). Test credentials can be found in the bank linking sandbox testing guide.
2. Manage the completed connection to pull the financial data you need.
   1. This data includes balances, identifiers, owners, transactions, investments.
   2. Configure and consume webhooks as needed to know when new financial data is available or if a connection is broken.
   3. Refresh, repair, or delete a connection as needed.
   4. You can also create a processor token for a financial account.
3. Route between providers to optimize conversion.
   1. Each service provider has different coverage, as well as its own details. Be sure to read through them before using a particular service provider. The list of service providers includes Plaid, Finicity, MX, Yodlee, Salt Edge, and Salt Edge Partners.

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Routing across Service Providers

Meld's Bank Linking stack allows you to route your customers to specific service providers based upon predefined defaults, a service provider waterfall based on institution coverage and availability, or specific financial institution based decisioning.

Routing rules are defined within the Meld dashboard.

Environments

Meld offers both production and sandbox environments. The tables below contain the URL for each environment: