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GET
/
v3
/
{customerId}
/
insight
/
login
/
{loginId}
/
attributes
/
{requestId}
/
GetCreditRiskAttributes
Get Credit Risk Attributes
curl --request GET \
  --url https://{instance}-api.private.fin.ag/v3/{customerId}/insight/login/{loginId}/attributes/{requestId}/GetCreditRiskAttributes
{
  "HttpStatusCode": 200,
  "Card": {
    "Id": "367046b0-7699-483d-94c2-08d9a3d5c70f",
    "average_monthly_free_cash_flow": 334.96,
    "balance_trend_simple": "INCREASING",
    "employer_name": "Unknown",
    "employer_income_trend_simple": "NONE_DETECTED",
    "sum_total_credits_current_month": 4525.47,
    "sum_total_credits_previous_month": 16388.11,
    "sum_total_credits_2_months_ago": 41461.75,
    "sum_total_credits_3_months_ago": 4517.42,
    "sum_total_credits_4_months_ago": 7256.69,
    "sum_total_credits_5_months_ago": 4227.87,
    "sum_total_credits_6_months_ago": 4475.84,
    "sum_total_credits_7_months_ago": 4447.21,
    "sum_total_credits_8_months_ago": 3700.8,
    "sum_total_credits_9_months_ago": 6222.78,
    "sum_total_credits_10_months_ago": 3776.11,
    "sum_total_credits_11_months_ago": 3950.19,
    "sum_total_credits_12_months_ago": 0,
    "average_monthly_employer_income_complex": 4665.78,
    "average_monthly_government_income_complex": 3902.59,
    "average_monthly_non_employer_income_complex": 2998.26,
    "total_deposits_trend_simple": "DECREASING",
    "average_monthly_loan_payments_complex": 190.5,
    "average_monthly_auto_loan_payments_complex": 0,
    "average_monthly_mortgage_payments_complex": 190.5,
    "average_monthly_micro_loan_payments_complex": 0,
    "average_monthly_student_loan_payments_complex": 0,
    "average_monthly_other_loan_payments_complex": 0,
    "average_monthly_utility_payments_complex": 0,
    "average_monthly_telecom_payments_complex": 1159.67,
    "micro_lender_name": "NONE_DETECTED",
    "sum_loan_payments": 2391.78,
    "average_monthly_debit": 8764.77,
    "count_nsf_90_days": 1,
    "count_reversed_payments_because_of_nsf_90_days": 0,
    "count_stop_payment_90_days": 0,
    "count_days_negative_balance_90_days": 0,
    "balance_min": 105.16,
    "account_age_days": 346,
    "sum_employer_income_current_month": 0,
    "sum_employer_income_previous_month": 4276,
    "sum_employer_income_2_months_ago": 4197.6,
    "sum_employer_income_3_months_ago": 4517.42,
    "sum_employer_income_4_months_ago": 7096.69,
    "sum_employer_income_5_months_ago": 4227.87,
    "sum_employer_income_6_months_ago": 4475.84,
    "sum_employer_income_7_months_ago": 4434.58,
    "sum_employer_income_8_months_ago": 3700.8,
    "sum_employer_income_9_months_ago": 5954.9,
    "sum_employer_income_10_months_ago": 3776.11,
    "sum_employer_income_11_months_ago": 3950.19,
    "sum_employer_income_12_months_ago": 0,
    "count_employer_income_current_month": 0,
    "count_employer_income_previous_month": 2,
    "count_employer_income_2_months_ago": 2,
    "count_employer_income_3_months_ago": 2,
    "count_employer_income_4_months_ago": 3,
    "count_employer_income_5_months_ago": 2,
    "count_employer_income_6_months_ago": 2,
    "count_employer_income_7_months_ago": 2,
    "count_employer_income_8_months_ago": 2,
    "count_employer_income_9_months_ago": 3,
    "count_employer_income_10_months_ago": 2,
    "count_employer_income_11_months_ago": 2,
    "count_employer_income_12_months_ago": 0,
    "sum_employer_income": 50608,
    "AttributesDetail": [
      {
        "Attribute": "sum_total_credits_current_month",
        "Transactions": [
          {
            "TransactionId": "2e3cb553-a27e-4208-bf8b-1ab4ccd7eb3e",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-04-15",
            "Description": "INTERAC e-Transfer",
            "Credit": 1300,
            "Balance": 4080.28
          },
          {
            "TransactionId": "2e9e3ea2-c918-4302-8dc1-738672c4e177",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-04-09",
            "Description": "3903214 CANADA",
            "Credit": 2200.48,
            "Balance": 3773.07
          },
          {
            "TransactionId": "b6ad031b-79f8-40af-be6d-70464b30bf50",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-04-07",
            "Description": "Mobile deposit",
            "Credit": 1024.99,
            "Balance": 2072.59
          }
        ]
      },
      {
        "Attribute": "sum_total_credits_previous_month",
        "Transactions": [
          {
            "TransactionId": "d8d668eb-77ba-4b60-8e1a-375ba0e669cc",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-26",
            "Description": "3903214 CANADA",
            "Credit": 1702.11,
            "Balance": 3348.09
          },
          {
            "TransactionId": "72cfe1e6-e14a-46f4-9325-ac34f2522d61",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-25",
            "Description": "INTERAC e-Transfer service",
            "Credit": 0,
            "Balance": 1649.93
          },
          {
            "TransactionId": "7b6ef27d-3b87-49bf-b3b6-a25c1febd337",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-25",
            "Description": "Debit card puchase fees",
            "Credit": 0,
            "Balance": 1649.93
          },
          {
            "TransactionId": "35ddd4ae-f970-49fe-b644-6b41b364396b",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-25",
            "Description": "Monthly transaction fees",
            "Credit": 0,
            "Balance": 1649.93
          },
          {
            "TransactionId": "357e0a70-aa19-4c67-8c9a-ff0cf19702f0",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-18",
            "Description": "Transfer between accounts",
            "Credit": 9000,
            "Balance": 15717.76
          },
          {
            "TransactionId": "bbab0598-5bbe-4603-8cae-942a2095a0b8",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-12",
            "Description": "Paie/Payroll",
            "Credit": 2192.54,
            "Balance": 7493.61
          },
          {
            "TransactionId": "2fff2d1a-0845-405e-a619-12794c78ad27",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-12",
            "Description": "Paie/Payroll",
            "Credit": 2083.46,
            "Balance": 5301.07
          },
          {
            "TransactionId": "d4c7f0e0-50b2-4634-a31c-f2b6e1169039",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-11",
            "Description": "INTERAC e-Transfer",
            "Credit": 1310,
            "Balance": 3217.61
          },
          {
            "TransactionId": "d52d0c07-1604-421c-844c-1394e317a553",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-03-09",
            "Description": "INTERAC e-Transfer",
            "Credit": 100,
            "Balance": 2083.26
          }
        ]
      },
      {
        "Attribute": "sum_total_credits_2_months_ago",
        "Transactions": [
          {
            "TransactionId": "013a8ce8-9645-4278-bd65-32c72471b16b",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-26",
            "Description": "Paie/Payroll",
            "Credit": 1920.99,
            "Balance": 11908.26
          },
          {
            "TransactionId": "7ee4d267-e7f0-4a8d-a403-c6d4c0397cbe",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-25",
            "Description": "INTERAC e-Transfer service",
            "Credit": 0,
            "Balance": 10001.22
          },
          {
            "TransactionId": "37f4a85e-3333-4566-a45d-8549680f74be",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-25",
            "Description": "Debit card puchase fees",
            "Credit": 0,
            "Balance": 10001.22
          },
          {
            "TransactionId": "d1341b58-404e-497b-9e9a-9f0c3138dd5f",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-25",
            "Description": "Monthly transaction fees",
            "Credit": 0,
            "Balance": 10001.22
          },
          {
            "TransactionId": "455a371c-647a-4c0f-9d43-183924da9f52",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-25",
            "Description": "Eft debit reversal",
            "Credit": 264.15,
            "Balance": 10001.22
          },
          {
            "TransactionId": "98929e5a-dd96-4033-b54a-3534f0d69f4b",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-23",
            "Description": "INTERAC e-Transfer",
            "Credit": 2000,
            "Balance": 38780.97
          },
          {
            "TransactionId": "ec5d5d7d-ff93-4b0d-b9f0-d83dd78e0e75",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-23",
            "Description": "Mobile deposit",
            "Credit": 28000,
            "Balance": 36780.97
          },
          {
            "TransactionId": "ceaaeb12-15bc-47bd-a814-874be5d728c8",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-12",
            "Description": "Paie/Payroll",
            "Credit": 2276.61,
            "Balance": 9395.76
          },
          {
            "TransactionId": "60fd7d37-0896-4e5d-b4c9-5723ba2a65c3",
            "AccountId": "9141fa5d-9a0b-42cc-9f38-29231ad9c47d",
            "Date": "2026-02-04",
            "Description": "Cashback",
            "Credit": 7000,
            "Balance": 8123.28
          }
        ]
      }
    ]
  },
  "Login": {
    "Username": "multiple_employers",
    "IsScheduledRefresh": false,
    "LastRefresh": "2021-11-10T15:01:27.7756841",
    "Type": "Personal",
    "Id": "367046b0-7699-483d-94c2-08d9a3d5c70f"
  },
  "RequestId": "b0ad6069-b40c-4c7e-aead-91c849d0b9f1"
}
This endpoint will provide you with all Credit Risk Use-Case Attributes. Please refer to our Quickstart guide for further information on the use-cases / when to use this specific endpoint.

​
Rquest Parameters

NAMETYPEDESCRIPTION
customerId (mandatory)stringGUID representing your customer ID (provided by Flinks).
loginId (mandatory)stringGUID representing end user’s login ID. You get this value after a successful Authorize request.
requestId (mandatory)stringGUID representing an authorized request to the API. You get this value after a successful Authorize request.

​
Response Fields

NAMETYPEDESCRIPTION
CardobjectObject containing an id field (end user’s LoginId) and all the requested attributes (name: value)
LoginobjectObject representing some end user’s technical information such as the LoginId. See Authorize endpoint documentation for this object details.
RequestIdstringGUID representing an authorized request to the API. You get this value after a successful Authorize request.
AttributesDetailsobjectObject containing the fields TransactionId, AccountId, Date, Description, Debit, and Credit per Attribute.

Path Parameters

​
customerId
string
default:43387ca6-0391-4c82-857d-70d95f087ecb
required

Unique GUID representing your customer ID.

​
loginId
string
required

GUID representing end user's login ID.

​
requestId
string
required

GUID representing an authorized request to the API.

Response

Result

​
HttpStatusCode
integer

HTTP status code of the response.

​
Card
object

Object containing an Id field, all requested credit risk attributes, and an AttributesDetail array with supporting transactions.

​
Login
object

Object representing end user's technical information.

​
RequestId
string

GUID representing an authorized request to the API.