📄️ Overview
The API offers the following services:
📄️ Convert service
The Convert Service provides structured and normalized transaction data as delivered by banks. This service can be expanded with optional enrichment features, offering additional insights such as classifying transactions into categories, assigning economic activity codes (e.g., NACE or SBI), identifying transaction properties, and retrieving detailed counterparty information.
📄️ Pivot service
The Pivot Service aggregates and analyzes a household's (or client's) bank transactions across multiple accounts, potentially from different banks. It consolidates all transactions into totals and averages, categorized over specific time periods, and provides financial insights based on these groupings.
📄️ Pivot group service
The Pivot Group Service is designed to aggregate and analyze bank transactions from multiple accounts, possibly across several banks, into a unified dataset. It calculates total transactions and averages over specified periods and categories, helping users better understand their financial behavior over time.
📄️ Profiling service
The Profiling Service is designed to extract detailed household information from bank transaction data, enabling the generation of a profile for calculating Nibud reference numbers. This service processes data to infer household composition, financial information, and other relevant characteristics. It can be further extended to provide input for the Budget Service.
📄️ Aggregate service
The Aggregate Service aggregates bank transaction data for a household or client, combining it with the household's profile. Unlike the Pivot service, this service organizes transactions into a personalized scheme that includes system-defined categories.
📄️ Budget Service
The Budget Service calculates the monthly spending capacity of a household across various categories based on the household's aggregated financial data and profile. The service relies on output from the Aggregate Service and optionally, a personalized Profile, or a manually entered profile. The calculated budget aligns with annual budget guidelines determined by Nibud.
📄️ Periodical Expenses Service
The Periodical Expenses Service predicts recurring expenses, identifying fixed, frequent costs across multiple categories, including:
📄️ Periodical Income Service
The Periodical Income Service predicts fixed and regular income sources. It identifies recurring income transactions, including:
🗃️ Indicator Service
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📄️ Recurrence service
The Recurrence service is intended to detect recurrent expenses\incomes. Among other things this covers:
📄️ Bankhealth service
The bankhealth service is intended to show the current status of the banks in the form of online or offline state.
📄️ Calling LinX with PSD2
In addition to sending regular files to LinX, you can also use PSD2 to retrieve data directly from banks.
📄️ Calling LinX with business files
When processing files with LinX, you can specify whether they should be treated as business-related by adjusting the headers in the Convert, Pivot, and Pivot Group services.
📄️ Calling LinX with virtual accounts in the header
LinX services support the use of virtual accounts specified in the request header. This feature allows you to specify one or more bank accounts (IBANs) to be recognized as "virtual" accounts within a batch. This is useful when you have accounts associated with a customer but no files available for them.