# Akoya vs Basiq (slim)

> 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.

- Full: https://www.anchorterminal.com/compare/akoya-vs-basiq.md (~2,450 tokens) · this version ~630 tokens · JSON https://www.anchorterminal.com/compare/akoya-vs-basiq.json · canonical https://www.anchorterminal.com/compare/akoya-vs-basiq
- Index: https://www.anchorterminal.com/llms.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: D 48.3, rank #817 of 950 · https://www.anchorterminal.com/tools/akoya.min.md
- Basiq: C 60.4, rank #515 of 950 · https://www.anchorterminal.com/tools/basiq.min.md
- Akoya, 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.
- Basiq, 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.

| Category | Akoya | Basiq |
| --- | --- | --- |
| Reliability (16%) | 28 | 70 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 70 | 84 |
| Agent ergonomics (13%) | 67 | 62 |
| Security & auth (14%) | 64 | 55 |
| Payments & pricing (10%) | 10 | 20 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 33 | 48 |
| Transparency & trust (7%) | 58 | 72 |

| Fact (where they differ) | Akoya | Basiq |
| --- | --- | --- |
| 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 |
| 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 |
| 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 |