# FeelConnect

> The developer-first financial data platform. Universal bank Link, normalized financial data APIs (accounts, transactions, investments, liabilities, recurring), and standalone AI enrichment products (categorization, subscriptions, cash-flow forecasts, health scores, purchase analysis). Plaid-shaped POST + JSON API with a fully functional sandbox.

## Essentials

- Base URL: https://connect.feels.money/v1 (e.g. https://connect.feels.money/v1/accounts/get; https://connect.feels.money/api/v1/… is the same handler)
- Auth: `Authorization: Bearer fc_sk_test_…` (test) or `fc_sk_live_…` (live). Keys come from the dashboard at https://connect.feels.money/dashboard.
- Style: every data endpoint is POST with a JSON body. Errors: `{ "error": { "type", "code", "message", "request_id" } }`.
- Money: major units, positive transaction amount = outflow. Dates: YYYY-MM-DD.
- Machine contract: [OpenAPI 3.1](https://connect.feels.money/openapi.json) — servers[0] is https://connect.feels.money and every path keeps the /v1 prefix, so the API root is https://connect.feels.money/v1
- MCP server (Streamable HTTP, for AI agents): POST https://connect.feels.money/mcp with the same bearer key; GET the same URL for a descriptor of the server and its tools. Tools: search_institutions, create_link_url, exchange_public_token, get_item, list_accounts, get_transactions, sync_transactions, get_recurring, get_investments, get_liabilities, ai_categorize, ai_cashflow_forecast, ai_purchase_analysis, ai_financial_summary, ai_health_score.
- Agent discovery: https://connect.feels.money/.well-known/ai-plugin.json (plugin manifest), https://connect.feels.money/.well-known/mcp.json (MCP descriptor).
- GraphQL gateway: POST https://connect.feels.money/v1/graphql (GraphiQL IDE on GET).
- Expanded endpoint reference for LLMs: https://connect.feels.money/llms-full.txt

## Key endpoints

- POST /v1/link/token/create — mint a Link token; open https://connect.feels.money/link?token=… for the user
- POST /v1/link/token/exchange — public_token → permanent access_token
- POST /v1/accounts/get, /v1/accounts/balance/get — accounts + balances
- POST /v1/transactions/sync (cursor deltas), /v1/transactions/get (date range)
- POST /v1/institutions/search, /v1/items/get|refresh|remove
- POST /v1/investments/holdings/get, /v1/liabilities/get, /v1/recurring/get, /v1/income/get, /v1/identity/get, /v1/assets/get
- POST /v1/ai/categorize, /v1/ai/subscriptions, /v1/ai/cashflow, /v1/ai/merchant, /v1/ai/health-score, /v1/ai/financial-summary, /v1/ai/fraud-risk, /v1/ai/purchase-analysis, /v1/ai/weekly-report

## Sandbox (works out of the box)

- Use a test key (fc_sk_test_…). Institution search, OAuth/credential/MFA flows, and 24 months of deterministic realistic data are fully simulated.
- Test credentials in Link: user_good / pass_good (success), user_mfa / pass_good with MFA code 1234, user_locked (error state).
- Sandbox helpers: POST /v1/sandbox/fire_webhook, POST /v1/sandbox/item/reset_login.

## Docs

- [Overview](https://connect.feels.money/docs): FeelConnect is the developer-first financial data platform: one Link flow, one /v1 API for accounts, transactions, investments, liabilities, and AI enrichment.
- [Quickstart](https://connect.feels.money/docs/quickstart): From API keys to synced transactions: create a link token, embed Link, exchange the public token, and sync data.
- [Authentication](https://connect.feels.money/docs/authentication): Secret-key bearer auth for /v1: key formats, environments, response headers, rotation, and failure modes.
- [Environments and sandbox](https://connect.feels.money/docs/sandbox): Test vs live environments, sandbox test credentials (user_good, user_mfa, user_locked, MFA 1234), deterministic data, and sandbox-only helpers.
- [Link](https://connect.feels.money/docs/link): Embed the FeelConnect Link modal: SDK options, lifecycle callbacks, postMessage protocol, and update mode for re-authentication.
- [Going live](https://connect.feels.money/docs/going-live): Which connectors you can turn on yourself today, which need a signed agreement, how institution routing picks one, and what to set before real user data flows.
- [Link tokens](https://connect.feels.money/docs/api/link): POST /v1/link/token/create and /v1/link/token/exchange — mint Link sessions and exchange public tokens for access tokens.
- [Institutions](https://connect.feels.money/docs/api/institutions): POST /v1/institutions/search and /v1/institutions/get_by_id — search the institution network and fetch metadata.
- [Items](https://connect.feels.money/docs/api/items): POST /v1/items/get, /v1/items/remove, /v1/items/refresh — inspect, disconnect, and refresh a connected institution login.
- [Accounts](https://connect.feels.money/docs/api/accounts): POST /v1/accounts/get and /v1/accounts/balance/get — normalized accounts with current, available, and limit balances.
- [Transactions](https://connect.feels.money/docs/api/transactions): POST /v1/transactions/sync (cursor pagination: added, modified, removed, next_cursor) and /v1/transactions/get (date-range reads).
- [Identity](https://connect.feels.money/docs/api/identity): POST /v1/identity/get — account-holder names, emails, phones, and addresses on file.
- [Income](https://connect.feels.money/docs/api/income): POST /v1/income/get — detected income streams with employer, cadence, and confidence.
- [Assets](https://connect.feels.money/docs/api/assets): POST /v1/assets/get — an asset and liability snapshot with computed net worth.
- [Investments](https://connect.feels.money/docs/api/investments): POST /v1/investments/holdings/get and /v1/investments/transactions/get — holdings with securities, and investment activity.
- [Liabilities](https://connect.feels.money/docs/api/liabilities): POST /v1/liabilities/get — credit cards, mortgages, student and auto loans with APRs and payment schedules.
- [Recurring](https://connect.feels.money/docs/api/recurring): POST /v1/recurring/get — detected recurring streams: subscriptions, bills, and income, with cadence and next expected date.
- [Categories](https://connect.feels.money/docs/api/categories): POST /v1/categories/get — the platform category taxonomy: 14 primary categories with detailed subcategories.
- [AI products](https://connect.feels.money/docs/ai): Nine AI enrichment endpoints: categorization, subscriptions, cash flow, merchant intel, health score, summaries, fraud risk, purchase analysis, weekly reports.
- [Webhooks](https://connect.feels.money/docs/webhooks): Signed event deliveries: event types, FC-Signature verification in Node, Python, and Go, and the retry schedule.
- [Errors](https://connect.feels.money/docs/errors): The error envelope, error types with HTTP status codes, common error codes, and handling patterns.
- [Rate limits and quotas](https://connect.feels.money/docs/rate-limits): Per-plan requests-per-second limits with 3x burst, monthly request and AI quotas, rate-limit headers, and 429 handling.
- [SDKs](https://connect.feels.money/docs/sdks): Eleven official client libraries: Node, Link JS, Python, Go, Rust, Java, Swift, Kotlin, Dart, PHP, and .NET.
- [GraphQL](https://connect.feels.money/docs/graphql): POST /v1/graphql — an optional read-only gateway over items, accounts, and transactions with the same auth and limits.
- [MCP and AI agents](https://connect.feels.money/docs/mcp): Connect AI agents to FeelConnect over the Model Context Protocol: the /api/mcp endpoint, available tools, and key-based authorization.
- [Changelog](https://connect.feels.money/docs/changelog): API and platform changes, newest first. The current API version is 2026-07-01.

## Product pages

- [Plaid alternative](https://connect.feels.money/plaid-alternative): honest comparison. FeelConnect routes THROUGH aggregators (Plaid included) rather than replacing the agreements they require; what is different is published pricing, bundled AI enrichment, provider routing, 11 SDKs, and a sandbox needing no approval.
- [Open banking API](https://connect.feels.money/open-banking-api): the Link flow, institution search, items, and consent scopes.
- [Bank data API](https://connect.feels.money/bank-data-api): accounts, balances, cursor-based transaction sync, identity, liabilities, assets.
- [Transaction enrichment API](https://connect.feels.money/transaction-enrichment-api): categorization, merchant resolution, subscription and recurring detection, fraud signals; rules-first with a documented engine field.
- [Financial data API](https://connect.feels.money/financial-data-api): the whole product surface plus GraphQL, MCP, OpenAPI, webhooks, and the SDKs.
- [Institution directory](https://connect.feels.money/institutions): every institution in the catalog, grouped by type and country, each with its own page showing the connector chain, per-connector product support, and the Link snippet.

## Optional

- [Pricing](https://connect.feels.money/pricing): Free (test only) / Startup $99 / Growth $499 / Enterprise
- [API explorer](https://connect.feels.money/docs/explorer): run real sandbox calls in the browser
- feels.money (https://feels.money): the consumer app built on this API