Tink
Also a provider — view Tink’s profile →“Can open banking rails, embedded inside Visa's global distribution, become a genuine alternative to card payments across Europe?”
Founded2012
HQStockholm, Sweden
Latest roundAcquired by Visa, 2022 ($1.87B)
IndustryInfrastructure / Open banking
The story
Tink was founded in 2012 as a Swedish consumer personal finance app, then pivoted to become Europe's leading open banking platform, offering AIS/PIS APIs across 19 European markets under its own PSD2 licenses. Acquired by Visa in 2022 for ~$1.87B, Tink is now positioned as Visa's open banking infrastructure arm in Europe, spanning account-to-account payments (Pay by Bank, VRP, payouts), data enrichment, and risk/lending signals.
Last 12 months
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Product timeline
2012
Tink founded in Stockholm as a consumer PFM app.· founding
2022
Acquired by Visa for approximately $1.87B.· acquisition
Regulated entities
3
regulatory licences held by Tink
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
7 layers disclosed in Tink’s embedded-finance stack
Payments / PSP
Tink Pay by Bank (self-operated)Adyen
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Open banking
in the full report
FX & payouts
in the full report
Accounting gap: minor
12 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.