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About

Ivy vs Tink

See how Ivy and Tink stack up. Explore their features, use cases, and compliance to find the open-banking provider that best supports your business goals.

Introduction

Introduction

How does Ivy compare with Tink?

Ivy and Tink both provide instant, compliant payment infrastructure for businesses, supporting real-time payments and payouts. Tink is commonly associated with open banking payments and data access, with broad European bank coverage. On the other hand, Ivy supports a wider range of payment and settlement workflows often required by crypto, trading, and PSP businesses, combining open banking payments with manual bank transfers, multi-currency accounts, virtual IBANs, and fiat and stablecoin settlement and payouts through a single platform.

Introduction

How does Ivy compare with Tink?

Ivy and Tink both provide instant, compliant payment infrastructure for businesses, supporting real-time payments and payouts. Tink is commonly associated with open banking payments and data access, with broad European bank coverage. On the other hand, Ivy supports a wider range of payment and settlement workflows often required by crypto, trading, and PSP businesses, combining open banking payments with manual bank transfers, multi-currency accounts, virtual IBANs, and fiat and stablecoin settlement and payouts through a single platform.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

This comparison is based on publicly accessible information as of January 2026. Where specific product information could not be identified or verified from public sources with reasonable effort, it is indicated as “not specified.” This reflects limitations of publicly available information only and does not imply the absence or inferiority of any feature or service. Product offerings and regulatory status may change over time. This comparison is provided for informational purposes only and does not constitute an exhaustive market assessment. Product offerings, features, regulatory permissions, and commercial terms may change over time. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. No affiliation, partnership, endorsement, or commercial relationship with any third party provider is implied by this comparison. For any comments, concerns or changes, reach out to shifa.rahaman@getivy.io.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

Versus

Versus

Versus

Ivy vs Tink

Here’s a breakdown of Ivy and Tink across products, compliance, use cases, and regions.

Product

Instant Payments

Instant Payments

Instant Payments

Manual Bank Transfer

Not Specified

Manual Bank Transfer

Not Specified

Manual Bank Transfer

Not Specified

Multi-Currency Accounts

Not Specified

Multi-Currency Accounts

Not Specified

Multi-Currency Accounts

Not Specified

Stablecoin Settlement

Not Specified

Stablecoin Settlement

Not Specified

Stablecoin Settlement

Not Specified

End-User Virtual Ibans

Not Specified

End-User Virtual Ibans

Not Specified

End-User Virtual Ibans

Not Specified

Instant Fiat Payouts

Instant Fiat Payouts

Instant Fiat Payouts

Stablecoin Payouts

Not Specified

Stablecoin Payouts

Not Specified

Stablecoin Payouts

Not Specified

Recurring Payments

Recurring Payments

Recurring Payments

Account Information Services

Account Information Services

Account Information Services

Features

Smart Routing Engine

Smart Routing Engine

Smart Routing Engine

Conversion Rates

High (>90%)

High

Conversion Rates

High (>90%)

High

Conversion Rates

High (>90%)

High

Coverage

5000+ banks

6000+ banks

Coverage

5000+ banks

6000+ banks

Coverage

5000+ banks

6000+ banks

Fraud Prevention

Fraud Prevention

Fraud Prevention

White Labelling

White Labelling

White Labelling

Support

Dedicated Account Managers 24/7 support

Dedicated Account Managers

Support

Dedicated Account Managers 24/7 support

Dedicated Account Managers

Support

Dedicated Account Managers 24/7 support

Dedicated Account Managers

Industry

Crypto

Crypto

Crypto

Financial Services

Financial Services

Financial Services

Marketplaces & ECommerce

Marketplaces & ECommerce

Marketplaces & ECommerce

Trading

Trading

Trading

Ivy and Tink are both payments infrastructure providers supporting real-time, compliant payment flows for businesses. Tink focuses on open banking payments and account information services. Its platform supports instant and recurring payments, fraud prevention, white-labelling, and a smart routing engine, with connectivity across more than 6,000 banks in Europe. Tink is used across financial services, iGaming, marketplaces and ecommerce, and travel, with support provided through dedicated account managers.

Ivy supports these open banking capabilities alongside manual bank transfers, multi-currency accounts, end-user virtual IBANs, and both fiat and stablecoin settlement and payouts. These services are delivered through a single platform, allowing businesses to manage collections, settlements, treasury, and payouts without integrating multiple providers to serve the needs of crypto merchants, trading companies and PSPs.

Use Ivy if you

  • Build or operate crypto exchanges, onramps, or digital asset platforms

  • Need fiat and stablecoin settlement, virtual IBANs, and stablecoin payouts alongside open banking payments

Use Tink if you

  • Need broad European bank connectivity

  • Operate across financial services, ecommerce, or travel use cases

  • Primarily require open banking payments and account information services

Ready for the future of money?

Ready for the future of money?

Ready for the future of money?

Ready for the future of money?

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at
internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.