# Akoya vs Basiq

> 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.

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-basiq
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-basiq.md (~2,450 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-basiq.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-basiq.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-09

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 & auth. Both do bank account data.

- 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
- 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
- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md
- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md

## Which one, for what

### Akoya (D)

Good for: A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.

Ahead on:
- Agent ergonomics, 67 against 62
- Security & auth, 64 against 55

Watch for: No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply

### Basiq (C)

Good for: Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.

Ahead on:
- Reliability, 70 against 28
- Schema & documentation, 84 against 70
- Payments & pricing, 20 against 10
- Maintenance & community, 48 against 33
- Transparency & trust, 72 against 58

Watch for: Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published


## Score by category

| Category | Weight | Akoya | Basiq | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 70 | Basiq +42 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 84 | Basiq +14 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 62 | Akoya +5 |
| Security & auth | 14% (17.5 this run) | 64 | 55 | Akoya +9 |
| Payments & pricing | 10% (12.5 this run) | 10 | 20 | Basiq +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 48 | Basiq +15 |
| Transparency & trust | 7% (8.8 this run) | 58 | 72 | Basiq +14 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **60.4 · C** | |

## Facts side by side

| Fact | Akoya | Basiq |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Basiq Pty Ltd (Cuscal Limited) |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://au-api.basiq.io` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | OAuth | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| 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 |
| Read-only variant documented | yes | no |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2026-09-30 |
| Terms last updated | 2024-12-20 | no date given |
| Privacy policy last updated | no date given | no date given |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | yes | not found in the text |
| Terms restrict benchmarking | not found in the text | yes |
| Terms or service can change without notice | yes | not found in the text |
| Arbitration or class-action waiver | not found in the text | not found in the text |

## 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.

## Before you call either

### Akoya

1. 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
2. Use the `id_token` as the bearer token. The `/token` response has no `access_token` field, so generic OAuth libraries need adjusting
3. Treat ID tokens as valid for 15 minutes, refresh on error 602, and store the new refresh token returned by every refresh
4. Page transactions by following `links.next.href` unchanged. Set `limit`, `startTime` and `endTime` on the first call only
5. On 429 with code 1207 slow the request rate. On 5xx retry up to three times with exponential backoff

### Basiq

1. Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.
2. 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.
3. 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.
4. Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.
5. Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh.

## Questions

### Which is better for AI agents, Akoya or Basiq?

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 & auth.

### Do Akoya and Basiq need an API key?

Akoya uses an OAuth sign-in. Basiq needs an API key.

### Can an agent call Akoya and Basiq without installing anything?

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Basiq at https://au-api.basiq.io.


## For agents

- 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
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "akoya", "b": "basiq"}`. From a terminal: `anchor compare akoya basiq`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/basiq.json

## Other comparisons with Akoya or Basiq

- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)
- [Akoya vs Enable Banking](https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md)
- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)
- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)
- [Akoya vs MX Platform API](https://www.anchorterminal.com/compare/akoya-vs-mx.md)
- [Akoya vs Plaid](https://www.anchorterminal.com/compare/akoya-vs-plaid.md)
- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)
- [Akoya vs Salt Edge Account Information](https://www.anchorterminal.com/compare/akoya-vs-salt-edge.md)
- [Akoya vs Teller](https://www.anchorterminal.com/compare/akoya-vs-teller.md)
- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)
- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)
- [Akoya vs Yapily](https://www.anchorterminal.com/compare/akoya-vs-yapily.md)
- [Akoya vs Yodlee Core API](https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.md)
- [Basiq vs Belvo](https://www.anchorterminal.com/compare/basiq-vs-belvo.md)
- [Basiq vs Enable Banking](https://www.anchorterminal.com/compare/basiq-vs-enable-banking.md)
- [Basiq vs Flinks](https://www.anchorterminal.com/compare/basiq-vs-flinks.md)
- [Basiq vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.md)
- [Basiq vs MX Platform API](https://www.anchorterminal.com/compare/basiq-vs-mx.md)
- [Basiq vs Plaid](https://www.anchorterminal.com/compare/basiq-vs-plaid.md)
- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)
- [Basiq vs Salt Edge Account Information](https://www.anchorterminal.com/compare/basiq-vs-salt-edge.md)
- [Basiq vs Teller](https://www.anchorterminal.com/compare/basiq-vs-teller.md)
- [Basiq vs Tink](https://www.anchorterminal.com/compare/basiq-vs-tink.md)
- [Basiq vs TrueLayer](https://www.anchorterminal.com/compare/basiq-vs-truelayer.md)
- [Basiq vs Yapily](https://www.anchorterminal.com/compare/basiq-vs-yapily.md)
- [Basiq vs Yodlee Core API](https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md)