{ "data": { "a": { "slug": "akoya", "name": "Akoya", "vendor": "Akoya LLC", "vendorUrl": "https://akoya.com", "kind": "http-api", "category": "banking-data", "summary": "Akoya runs a US data access network through which consumers permit apps to read their bank and brokerage accounts. Data recipients call FDX-based REST APIs for accounts, balances, transactions, customer details, statements and consent, after an OAuth consent flow.", "url": "https://www.anchorterminal.com/tools/akoya", "markdownUrl": "https://www.anchorterminal.com/tools/akoya.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/akoya.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/akoya.json", "license": "Proprietary service under the Akoya Terms of Use and a signed data access agreement", "transports": [ "http" ], "remoteUrl": "https://products.ddp.akoya.com", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 authorisation code grant with OpenID Connect. A person requests a Data Recipient Hub account (MFA is mandatory), registers an app and receives a client ID and secret. The consumer signs in at their own institution, picks the accounts to share, and the app exchanges the code at `/token` for an ID token and a refresh token. The ID token is the bearer token for data calls. The only scopes are `openid profile offline_access`, and what an app can read is set by its product subscriptions and the consumer's account selection. The service APIs take a 24-hour service token from separate credentials. Sandbox access is self-service. Production needs a questionnaire, a security review and a signed agreement.", "pricing": "paid", "pricingNotes": "No price is published. The pricing page names Standard (fewer than 10,000 monthly connections, self-service onboarding) and Enterprise (10,000 or more, custom pricing) without figures, and its FAQ says a set-up or implementation fee may apply. The sandbox is free and self-service with test data, so an agent's owner can start without a contract. Live data needs production approval (https://akoya.com/pricing, checked 2026-10-08).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs, the OpenAPI specifications or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.akoya.com", "openapi": "https://docs.akoya.com/guides/akoya-apis-3-0-0-spec", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.consent" ], "tags": [ "hosted", "oauth", "openapi", "fdx", "us-only", "sandbox", "webhooks", "sales-led", "closed-source", "soc2" ], "lastRelease": "2026-08-05", "graded": true, "anchor": { "graded": true, "score": 48.3, "grade": "D", "agentReady": false, "rank": 817, "ranked": true, "rankOf": 950, "categoryRank": 9, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 33, "payments": 10, "reliability": 28, "schema": 70, "security": 64, "transparency": 58 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Six OpenAPI 3.1 specifications, a free self-service sandbox and read-only data endpoints behind per-consumer OAuth tokens make the API straightforward to test. Production needs a security review and a signed agreement, no price is published, and no public status page, SLA, SDK or `llms.txt` was found.", "bestFor": "A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.", "strengths": [ "Data APIs are read-only GET endpoints, and each token covers one consumer, one app and the accounts that consumer selected", "OpenAPI 3.1 specifications are published for the Token, Service Token, data, Apps Management, Notifications and Consent APIs", "Free self-service sandbox with a test institution (`mikomo`), scripted test users and a public Postman workspace", "Written version policy. Breaking changes only in major versions, with a six-month sunset after deprecation", "Webhooks report consent revocation, consent updates and planned or unplanned outages, with three delivery attempts" ], "weaknesses": [ "No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply", "Production access needs an onboarding questionnaire, a security review (SOC 2 report or questionnaire) and an agreement signed by Docusign", "No public status page, SLA or numeric rate limit for the data APIs was found. Availability figures sit inside the Data Recipient Hub", "The Terms of Use forbid using any automated system to access the network and allow changes and termination without prior notice", "No SDK, `llms.txt` or Markdown docs. The OpenAPI files are code blocks to copy from docs pages, not downloadable files" ], "agentNotes": [ "Send `x-akoya-interaction-type` (USER or BATCH) and `x-akoya-last-access` on every v3 data call, plus `x-akoya-intent-type` if the app subscribes to Payments", "Use the `id_token` as the bearer token. The `/token` response has no `access_token` field, so generic OAuth libraries need adjusting", "Treat ID tokens as valid for 15 minutes, refresh on error 602, and store the new refresh token returned by every refresh", "Page transactions by following `links.next.href` unchanged. Set `limit`, `startTime` and `endTime` on the first call only", "On 429 with code 1207 slow the request rate. On 5xx retry up to three times with exponential backoff" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 48.3 } ], "editorialScores": { "ergonomics": 67, "maintenance": 33, "payments": 10, "reliability": 28, "schema": 70, "security": 64, "transparency": 44 }, "provenanceScore": 72 }, "connect": { "http": "curl --request GET --url 'https://sandbox-products.ddp.akoya.com/accounts-info/v3/mikomo' --header 'x-akoya-interaction-type: USER' --header 'x-akoya-last-access: 2025-11-24T00:00:00Z' --header 'accept: application/json' --header 'authorization: Bearer {{id_token}}'" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/akoya" }, "area": "domain-data", "provenance": { "legalEntity": "Akoya LLC", "domain": "akoya.com", "domainRegistered": "1998-06-24", "endpointOnVendorDomain": true, "terms": "https://akoya.com/terms-of-use", "privacy": "https://akoya.com/privacy-policy", "statusPage": "", "changelog": "https://docs.akoya.com/akoya/changelog", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The Terms of Use (last updated 20 December 2024) name Akoya LLC and govern use of the Akoya Data Access Network and akoya.com. Production use also runs under a data access agreement signed through Docusign, which is not published.", "The privacy policy (last updated 9 June 2025) covers the website and Akoya's products and services, and gives the address 6 Liberty Square #2381, Boston, MA 02109.", "The OpenAPI files name https://recipient.ddp.akoya.com/terms-of-use as their licence. That address returned a 755-byte script shell to our reader.", "akoya.com/.well-known/security.txt and docs.akoya.com/.well-known/security.txt both returned 404.", "No public status page was found. status.akoya.com did not connect, and the docs place network availability and outages inside the Data Recipient Hub, behind a login.", "RDAP (Verisign) gives a registration date of 1998-06-24 for akoya.com." ], "score": 72 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/akoya.json", "live": { "slug": "akoya", "probe": { "target": "https://products.ddp.akoya.com", "method": "get", "lastAt": "2026-10-10T03:53:17.742212491Z", "lastOk": true, "lastStatus": 403, "lastMs": 322, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 335, "p95ms24h": 409, "samples24h": 249, "samples30d": 340, "days": [ { "date": "2026-10-08", "probes": 50, "ok": 50 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 40, "ok": 40 } ] }, "securityTxt": { "url": "https://akoya.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:40:04.423810786Z" }, "pages": [ { "url": "https://docs.akoya.com/akoya/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:36:28.973508341Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "864b22ae50d2" }, { "url": "https://akoya.com/pricing", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:32:23.187746799Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d7c223653430" }, { "url": "https://akoya.com/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:32:25.232756118Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e6af9681d876" }, { "url": "https://akoya.com/terms-of-use", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:32:27.256655042Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "31ac7f863ff9" } ], "updatedAt": "2026-10-10T03:53:17.742212491Z" } }, "answer": "Basiq scores 60.4 (C) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on agent ergonomics and security \u0026 auth.", "b": { "slug": "basiq", "name": "Basiq", "vendor": "Basiq Pty Ltd (Cuscal Limited)", "vendorUrl": "https://www.basiq.io", "kind": "http-api", "category": "banking-data", "summary": "Basiq is an Australian open banking platform owned by Cuscal Limited. Its REST API reads accounts, transactions and identity details from Australian and New Zealand institutions with the holder's consent, and builds income, expense and affordability reports.", "url": "https://www.anchorterminal.com/tools/basiq", "markdownUrl": "https://www.anchorterminal.com/tools/basiq.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/basiq.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/basiq.json", "repo": "https://github.com/basiqio-oss/Basiq-docs", "license": "Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial", "transports": [ "http", "streamable-http" ], "remoteUrl": "https://au-api.basiq.io", "packages": [], "auth": "api-key", "authNotes": "A self-serve API key from the dashboard at dashboard.basiq.io, sent verbatim (not Base64-encoded) as `Authorization: Basic \u003ckey\u003e` to `POST /token` with a `basiq-version: 3.0` header. The call returns a bearer token that lasts 60 minutes. Scope `SERVER_ACCESS` covers server calls and `CLIENT_ACCESS`, bound to one `userId`, is for the hosted Consent UI. An application can hold many named keys, each revocable, and permission sets limit a key to chosen endpoints. The docs advise rotating keys every 90 days. Dashboard logins support 2FA by text message and SAML single sign-on on request. Live Open Banking data is switched on by Basiq's customer success team after a contract. The MCP server at api.basiq.io/mcp listed its tools with no credential, and its `execute-request` tool takes API credentials as headers set in the MCP client.", "pricing": "paid", "pricingNotes": "$0.50 per user per month for customer data plus a platform access fee with no published amount, $0.25 per user per month for enrichment and from $3.00 per affordability report (https://www.basiq.io/pricing.html, checked 2026-10-09). The home page does not link that page, so the figures may be out of date. The page does not state the currency, and the Terms of Service say all amounts are in Australian dollars. A user is billable for the full month once created. Plans run for at least 12 months and volume discounts go through sales. The sandbox is free and self-serve from the dashboard, with no card mentioned, so an agent's owner can start on test data without a contract. The pricing page is not linked from the site pages we read.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the ten OpenAPI files or the pricing page (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://api.basiq.io/docs", "llmsTxt": "https://api.basiq.io/llms.txt", "openapi": "https://raw.githubusercontent.com/basiqio-oss/Basiq-docs/refs/heads/v3.0/reference/connect.json", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.consent" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "mcp", "webhooks", "sandbox", "australia", "new-zealand", "status-page", "closed-source" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 60.4, "grade": "C", "agentReady": false, "rank": 515, "ranked": true, "rankOf": 950, "categoryRank": 6, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 62, "maintenance": 48, "payments": 20, "reliability": 70, "schema": 84, "security": 55, "transparency": 72 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.", "bestFor": "Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.", "strengths": [ "Ten OpenAPI 3.0 files are public in the `basiqio-oss/Basiq-docs` repository, 73 operations in all, and every reference page has a Markdown twin listed in llms.txt", "The sandbox is free and self-serve from the dashboard, with a test bank named Hooli and an Open Banking flow that covers authorise, extend, refresh and revoke", "API keys are created, named and revoked in the dashboard, permission sets limit a key to chosen endpoints, and access tokens expire after 60 minutes", "The CDR Policy names the outsourced service providers and says data is stored in AWS data centres in Sydney and Melbourne", "Error bodies carry a `correlationId`, a string `code`, a `title`, a `detail` and a `source` pointer, with the codes listed by HTTP status in the docs" ], "weaknesses": [ "Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published", "No SLA was found, and the Terms of Service say Basiq does not warrant uninterrupted service", "The privacy policy says collected content may be retained indefinitely after an account ends, while the docs security page says data is deleted at once", "No security.txt, disclosure policy or bug bounty was found, and the accreditation logos on the data security page carry no text", "No idempotency keys or `Retry-After` header are documented, and no official SDK is published. The docs say to generate one from the OpenAPI files" ], "agentNotes": [ "Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.", "Send `basiq-version: 3.0` on the token request, cache the bearer token for its 60 minutes, and stay under 1,500 token requests per 5 minutes.", "Send the account holder through the hosted Consent UI in a browser with a `CLIENT_ACCESS` token bound to their `userId`. The API alone cannot create a first connection on version 3.0.", "Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.", "Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 60.4 } ], "editorialScores": { "ergonomics": 62, "maintenance": 48, "payments": 20, "reliability": 70, "schema": 84, "security": 55, "transparency": 61 }, "provenanceScore": 83 }, "connect": { "http": "curl --location --request POST 'https://au-api.basiq.io/token' \\\n --header 'Authorization: Basic $YOUR_API_KEY' \\\n --header 'Content-Type: application/x-www-form-urlencoded' \\\n --header 'basiq-version: 3.0' \\\n --data-urlencode 'scope=SERVER_ACCESS'", "config": { "mcpServers": { "basiq": { "url": "https://api.basiq.io/mcp" } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/basiq" }, "area": "domain-data", "provenance": { "legalEntity": "Basiq Pty Ltd", "domain": "basiq.io", "domainRegistered": "2015-10-08", "endpointOnVendorDomain": true, "terms": "https://docs.basiq.io/en/articles/415750-basiq-terms-of-service", "privacy": "https://docs.basiq.io/en/articles/382581-basiq-privacy-policy", "statusPage": "https://status.basiq.io", "changelog": "https://api.basiq.io/changelog", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The site footer names Basiq Pty Ltd, ABN 95 616 592 011, a wholly owned but non-guaranteed subsidiary of Cuscal Limited, ABN 95 087 822 455, and gives the Consumer Data Right accreditation number ADRBNK000208.", "The terms link is the Basiq Terms of Service, dated 27 August 2025 on the help centre, which govern the platform, SDK and APIs and carry the SDK licence as Schedule 1.", "The privacy link is the Basiq Privacy Policy, dated 4 November 2025. A separate Consumer Data Right (CDR) Policy, dated 8 September 2026, covers data received under that regime.", "The API answers at au-api.basiq.io, the docs and MCP server at api.basiq.io, the Consent UI at consent.basiq.io and the dashboard at dashboard.basiq.io, all under basiq.io.", "www.basiq.io/.well-known/security.txt returns 404, and www.basiq.io has no robots.txt.", "status.basiq.io runs on Atlassian Statuspage. Its robots.txt disallows `/api/`, so the record was read from the page and the Atom feed it links.", "The registry's RDAP record gives 2015-10-08 as the registration date of basiq.io and Name.com, Inc. as registrar. The privacy policy gives PO Box Q279, Queen Victoria Building NSW 1230." ], "score": 83 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/basiq.json", "live": { "slug": "basiq", "probe": { "target": "https://au-api.basiq.io", "method": "get", "lastAt": "2026-10-10T03:53:20.861432412Z", "lastOk": true, "lastStatus": 200, "lastMs": 838, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 848, "p95ms24h": 927, "samples24h": 125, "samples30d": 125, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 40, "ok": 40 } ] }, "vendorStatus": { "page": "https://status.basiq.io", "indicator": "minor", "summary": "Minor Service Outage", "checkedAt": "2026-10-10T03:58:00.279065703Z" }, "versions": [ { "registry": "github", "name": "basiqio-oss/Basiq-docs", "version": "v3.0.8", "released": "2026-07-16", "seenAt": "2026-10-09T16:42:41.939603853Z" } ], "githubStars": 5, "pages": [ { "url": "https://api.basiq.io/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:32:31.512737613Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7ea5161f947f" }, { "url": "https://www.basiq.io/pricing.html", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:48:29.43933836Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "1c9866bc1634" }, { "url": "https://docs.basiq.io/en/articles/382581-basiq-privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:36:36.227093441Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "af5c5eabea79" }, { "url": "https://docs.basiq.io/en/articles/415750-basiq-terms-of-service", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:36:38.602578211Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2bce9aa59c11" } ], "updatedAt": "2026-10-10T03:58:00.279065703Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Akoya LLC", "b": "Basiq Pty Ltd (Cuscal Limited)", "name": "Vendor" }, { "a": "https://products.ddp.akoya.com", "b": "https://au-api.basiq.io", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP, Streamable HTTP", "name": "Transports" }, { "a": "OAuth", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under the Akoya Terms of Use and a signed data access agreement", "b": "Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2026-08-05", "b": "2026-09-30", "name": "Last release" }, { "a": "2024-12-20", "b": "no date given", "name": "Terms last updated" }, { "a": "no date given", "b": "no date given", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "yes", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "not found in the text", "name": "Arbitration or class-action waiver" } ], "faq": [ { "answer": "Basiq scores 60.4 (C) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on agent ergonomics and security \u0026 auth.", "question": "Which is better for AI agents, Akoya or Basiq?" }, { "answer": "Akoya uses an OAuth sign-in. Basiq needs an API key.", "question": "Do Akoya and Basiq need an API key?" }, { "answer": "Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Basiq at https://au-api.basiq.io.", "question": "Can an agent call Akoya and Basiq without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Agent ergonomics, 67 against 62", "Security \u0026 auth, 64 against 55" ], "also": null, "goodFor": "A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.", "slug": "akoya", "watchFor": "No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply" }, { "aheadOn": [ "Reliability, 70 against 28", "Schema \u0026 documentation, 84 against 70", "Payments \u0026 pricing, 20 against 10", "Maintenance \u0026 community, 48 against 33", "Transparency \u0026 trust, 72 against 58" ], "also": null, "goodFor": "Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.", "slug": "basiq", "watchFor": "Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published" } ], "job": { "capability": "bank.accounts", "name": "Bank account data" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-belvo.json", "title": "Akoya vs Belvo", "url": "https://www.anchorterminal.com/compare/akoya-vs-belvo" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking.json", "title": "Akoya vs Enable Banking", "url": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-flinks.json", "title": "Akoya vs Flinks", "url": "https://www.anchorterminal.com/compare/akoya-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.json", "title": "Akoya vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-mx.json", "title": "Akoya vs MX Platform API", "url": "https://www.anchorterminal.com/compare/akoya-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-plaid.json", "title": "Akoya vs Plaid", "url": "https://www.anchorterminal.com/compare/akoya-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-powens.json", "title": "Akoya vs Powens", "url": "https://www.anchorterminal.com/compare/akoya-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge.json", "title": "Akoya vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-teller.json", "title": "Akoya vs Teller", "url": "https://www.anchorterminal.com/compare/akoya-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-tink.json", "title": "Akoya vs Tink", "url": "https://www.anchorterminal.com/compare/akoya-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-truelayer.json", "title": "Akoya vs TrueLayer", "url": "https://www.anchorterminal.com/compare/akoya-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-yapily.json", "title": "Akoya vs Yapily", "url": "https://www.anchorterminal.com/compare/akoya-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.json", "title": "Akoya vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-belvo.json", "title": "Basiq vs Belvo", "url": "https://www.anchorterminal.com/compare/basiq-vs-belvo" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking.json", "title": "Basiq vs Enable Banking", "url": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-flinks.json", "title": "Basiq vs Flinks", "url": "https://www.anchorterminal.com/compare/basiq-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.json", "title": "Basiq vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-mx.json", "title": "Basiq vs MX Platform API", "url": "https://www.anchorterminal.com/compare/basiq-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-plaid.json", "title": "Basiq vs Plaid", "url": "https://www.anchorterminal.com/compare/basiq-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-powens.json", "title": "Basiq vs Powens", "url": "https://www.anchorterminal.com/compare/basiq-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge.json", "title": "Basiq vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-teller.json", "title": "Basiq vs Teller", "url": "https://www.anchorterminal.com/compare/basiq-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-tink.json", "title": "Basiq vs Tink", "url": "https://www.anchorterminal.com/compare/basiq-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-truelayer.json", "title": "Basiq vs TrueLayer", "url": "https://www.anchorterminal.com/compare/basiq-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-yapily.json", "title": "Basiq vs Yapily", "url": "https://www.anchorterminal.com/compare/basiq-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.json", "title": "Basiq vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data" } ], "scores": [ { "akoya": 28, "basiq": 70, "by": 42, "edge": "basiq", "key": "reliability", "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "akoya": 70, "basiq": 84, "by": 14, "edge": "basiq", "key": "schema", "name": "Schema \u0026 documentation", "weight": 13 }, { "akoya": 67, "basiq": 62, "by": 5, "edge": "akoya", "key": "ergonomics", "name": "Agent ergonomics", "weight": 13 }, { "akoya": 64, "basiq": 55, "by": 9, "edge": "akoya", "key": "security", "name": "Security \u0026 auth", "weight": 14 }, { "akoya": 10, "basiq": 20, "by": 10, "edge": "basiq", "key": "payments", "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "akoya": 33, "basiq": 48, "by": 15, "edge": "basiq", "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7 }, { "akoya": 58, "basiq": 72, "by": 14, "edge": "basiq", "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Basiq scores 60.4 (C) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on agent ergonomics and security \u0026 auth. Both do bank account data.", "verdicts": { "akoya": "Six OpenAPI 3.1 specifications, a free self-service sandbox and read-only data endpoints behind per-consumer OAuth tokens make the API straightforward to test. Production needs a security review and a signed agreement, no price is published, and no public status page, SLA, SDK or `llms.txt` was found.", "basiq": "Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/akoya-vs-basiq", "json": "https://www.anchorterminal.com/compare/akoya-vs-basiq.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/akoya-vs-basiq.md", "slim": "https://www.anchorterminal.com/compare/akoya-vs-basiq.min.md" }, "markdown": "Basiq scores 60.4 (C) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on agent ergonomics and security \u0026 auth. Both do bank account data.\n\n- Akoya: grade D, 48.3/100, rank #817 of 950. Markdown https://www.anchorterminal.com/tools/akoya.md · JSON https://www.anchorterminal.com/api/v1/tools/akoya.json\n- Basiq: grade C, 60.4/100, rank #515 of 950. Markdown https://www.anchorterminal.com/tools/basiq.md · JSON https://www.anchorterminal.com/api/v1/tools/basiq.json\n- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md\n- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md\n\n## Which one, for what\n\n### Akoya (D)\n\nGood for: A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.\n\nAhead on:\n- Agent ergonomics, 67 against 62\n- Security \u0026 auth, 64 against 55\n\nWatch for: No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply\n\n### Basiq (C)\n\nGood for: Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.\n\nAhead on:\n- Reliability, 70 against 28\n- Schema \u0026 documentation, 84 against 70\n- Payments \u0026 pricing, 20 against 10\n- Maintenance \u0026 community, 48 against 33\n- Transparency \u0026 trust, 72 against 58\n\nWatch for: Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published\n\n\n## Score by category\n\n| Category | Weight | Akoya | Basiq | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 28 | 70 | Basiq +42 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 70 | 84 | Basiq +14 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 62 | Akoya +5 |\n| Security \u0026 auth | 14% (17.5 this run) | 64 | 55 | Akoya +9 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 20 | Basiq +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 33 | 48 | Basiq +15 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 72 | Basiq +14 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **48.3 · D** | **60.4 · C** | |\n\n## Facts side by side\n\n| Fact | Akoya | Basiq |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Akoya LLC | Basiq Pty Ltd (Cuscal Limited) |\n| Hosted endpoint | `https://products.ddp.akoya.com` | `https://au-api.basiq.io` |\n| Transports | HTTP | HTTP, Streamable HTTP |\n| Auth | OAuth | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial |\n| Read-only variant documented | yes | no |\n| llms.txt | no | yes |\n| Last release | 2026-08-05 | 2026-09-30 |\n| Terms last updated | 2024-12-20 | no date given |\n| Privacy policy last updated | no date given | no date given |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | yes | not found in the text |\n| Terms restrict benchmarking | not found in the text | yes |\n| Terms or service can change without notice | yes | not found in the text |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\n\n## Verdicts\n\n**Akoya.** Six OpenAPI 3.1 specifications, a free self-service sandbox and read-only data endpoints behind per-consumer OAuth tokens make the API straightforward to test. Production needs a security review and a signed agreement, no price is published, and no public status page, SLA, SDK or `llms.txt` was found.\n\n**Basiq.** Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.\n\n## Before you call either\n\n### Akoya\n\n1. Send `x-akoya-interaction-type` (USER or BATCH) and `x-akoya-last-access` on every v3 data call, plus `x-akoya-intent-type` if the app subscribes to Payments\n2. Use the `id_token` as the bearer token. The `/token` response has no `access_token` field, so generic OAuth libraries need adjusting\n3. Treat ID tokens as valid for 15 minutes, refresh on error 602, and store the new refresh token returned by every refresh\n4. Page transactions by following `links.next.href` unchanged. Set `limit`, `startTime` and `endTime` on the first call only\n5. On 429 with code 1207 slow the request rate. On 5xx retry up to three times with exponential backoff\n\n### Basiq\n\n1. Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.\n2. Send `basiq-version: 3.0` on the token request, cache the bearer token for its 60 minutes, and stay under 1,500 token requests per 5 minutes.\n3. Send the account holder through the hosted Consent UI in a browser with a `CLIENT_ACCESS` token bound to their `userId`. The API alone cannot create a first connection on version 3.0.\n4. Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.\n5. Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh.\n\n## Questions\n\n### Which is better for AI agents, Akoya or Basiq?\n\nBasiq scores 60.4 (C) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on agent ergonomics and security \u0026 auth.\n\n### Do Akoya and Basiq need an API key?\n\nAkoya uses an OAuth sign-in. Basiq needs an API key.\n\n### Can an agent call Akoya and Basiq without installing anything?\n\nYes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Basiq at https://au-api.basiq.io.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/akoya-vs-basiq.json, and with the fewest tokens: https://www.anchorterminal.com/compare/akoya-vs-basiq.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"akoya\", \"b\": \"basiq\"}`. From a terminal: `anchor compare akoya basiq`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/basiq.json\n\n## Other comparisons with Akoya or Basiq\n\n- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)\n- [Akoya vs Enable Banking](https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md)\n- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)\n- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)\n- [Akoya vs MX Platform API](https://www.anchorterminal.com/compare/akoya-vs-mx.md)\n- [Akoya vs Plaid](https://www.anchorterminal.com/compare/akoya-vs-plaid.md)\n- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)\n- [Akoya vs Salt Edge Account Information](https://www.anchorterminal.com/compare/akoya-vs-salt-edge.md)\n- [Akoya vs Teller](https://www.anchorterminal.com/compare/akoya-vs-teller.md)\n- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)\n- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)\n- [Akoya vs Yapily](https://www.anchorterminal.com/compare/akoya-vs-yapily.md)\n- [Akoya vs Yodlee Core API](https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.md)\n- [Basiq vs Belvo](https://www.anchorterminal.com/compare/basiq-vs-belvo.md)\n- [Basiq vs Enable Banking](https://www.anchorterminal.com/compare/basiq-vs-enable-banking.md)\n- [Basiq vs Flinks](https://www.anchorterminal.com/compare/basiq-vs-flinks.md)\n- [Basiq vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.md)\n- [Basiq vs MX Platform API](https://www.anchorterminal.com/compare/basiq-vs-mx.md)\n- [Basiq vs Plaid](https://www.anchorterminal.com/compare/basiq-vs-plaid.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Basiq vs Salt Edge Account Information](https://www.anchorterminal.com/compare/basiq-vs-salt-edge.md)\n- [Basiq vs Teller](https://www.anchorterminal.com/compare/basiq-vs-teller.md)\n- [Basiq vs Tink](https://www.anchorterminal.com/compare/basiq-vs-tink.md)\n- [Basiq vs TrueLayer](https://www.anchorterminal.com/compare/basiq-vs-truelayer.md)\n- [Basiq vs Yapily](https://www.anchorterminal.com/compare/basiq-vs-yapily.md)\n- [Basiq vs Yodlee Core API](https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Akoya vs Basiq", "url": "" } ], "description": "Basiq scores 60.4 (C) to Akoya's 48.3 (D) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Akoya D 48.3", "Basiq C 60.4", "scores" ], "h1": "Akoya vs Basiq", "image": "https://www.anchorterminal.com/assets/og/compare-akoya-vs-basiq.png", "path": "/compare/akoya-vs-basiq", "published": "2026-10-01", "section": "tools", "title": "Akoya vs Basiq for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/akoya-vs-basiq" }, "tokens": { "markdown": 2450, "slim": 630 }, "version": 1 }