File Storage for Fintech

Fintech file storage is less about raw volume and more about control: who can reach a document, for how long, whether it was ever public, and how cleanly it slots into your compliance workflow. files.link is built so that sensitive financial artifacts — account statements, KYC identity documents, signed agreements, transaction exports — are private by default and only ever reach a user through a time-limited signed URL that your backend generates on demand.

A customer downloading their monthly statement gets a link that works for a few minutes and then dies, so a statement URL cannot leak through a browser history, a proxy log, or a forwarded email and still resolve later. Identity documents collected during onboarding follow the same pattern: your verification service PUTs the file as a private object, and from then on it is reachable only via a freshly minted signed URL, never a guessable permanent path.

Files are encrypted at rest and transferred over TLS, and because storage is private by default you are not relying on a bucket being correctly locked down — the safe state is the default state. The integration stays simple even though the requirements are strict: authenticate with your raw API key, then run the three-call upload — POST /v1/files/{folderId} for a presigned target returning { success, urls:[{ url, id }] }, a PUT of the document bytes, and POST /v1/files/confirm-upload with { ids:[...] }.

That keeps document handling inside your own application logic, where your existing audit and access policies already live, rather than forcing a second access-control system on your team. For records you must retain for years but rarely open — closed-account histories, archived compliance bundles — a cold storage tier lowers the long-term cost while keeping everything reachable through the same API.

Two honest notes: files.link gives you the building blocks (private-by-default storage, expiring signed URLs, encryption at rest, API access logs) but it is not a turnkey compliance product, so attestations like SOC 2 or specific regulatory certifications and detailed audit trails remain your responsibility to assemble; pair files.link's API logs with your own logging to produce the evidence your auditors expect.

Pricing is prepaid credits with no contract, which fits early-stage fintech better than a committed enterprise storage agreement.