KYC / KYB / AML API

Tink vs Prove

The clearest split between Tink and Prove is how they charge: Tink uses subscription pricing, while Prove uses custom enterprise pricing (no public tier). Tink is European open banking platform providing bank account aggregation, payment initiation, and income verification APIs; it fits best for Fintech, Marketplace. Prove is Prove is a digital identity platform using phone-number intelligence, possession checks and Prove Pre-Fill to verify and authenticate users, cutting fraud and friction in onboarding for banks and fintechs; it fits best for US banks and fintechs using phone possession to reduce fraud and autofill KYC fields. Pick Tink when the job maps to fintech requiring identity verification; pick Prove when it maps to phone-number intelligence for frictionless kyc onboarding. Tink is not for consumer apps without regulatory requirements. Prove is not for global or privacy-minimal products that cannot rely on us carrier data for verification. Honest trade-offs: Tink is weak for consumer apps without regulatory requirements, and Prove is weak for us-centric, weaker outside north america — match to your real scenario.