# Akoya vs Belvo

> Belvo scores 63.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on security & auth. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-belvo
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-belvo.md (~2,200 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-belvo.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-belvo.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: 2026-10-08

Belvo scores 63.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on security & auth. Both do bank accounts.

- Akoya: grade D, 48.3/100, rank #623 of 722. Markdown https://www.anchorterminal.com/tools/akoya.md · JSON https://www.anchorterminal.com/api/v1/tools/akoya.json
- Belvo: grade B, 63.5/100, rank #309 of 722. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json

## 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:
- Security & auth, 64 against 57

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

### Belvo (B)

Good for: Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.

Ahead on:
- Reliability, 84 against 28
- Schema & documentation, 80 against 70
- Agent ergonomics, 80 against 67
- Payments & pricing, 20 against 10
- Transparency & trust, 64 against 58

Watch for: Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month


## Score by category

| Category | Weight | Akoya | Belvo | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 84 | Belvo +56 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 80 | Belvo +10 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 80 | Belvo +13 |
| Security & auth | 14% (17.5 this run) | 64 | 57 | Akoya +7 |
| Payments & pricing | 10% (12.5 this run) | 10 | 20 | Belvo +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 30 | Akoya +3 |
| Transparency & trust | 7% (8.8 this run) | 58 | 64 | Belvo +6 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **63.5 · B** | |

## Facts side by side

| Fact | Akoya | Belvo |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Belvo |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.belvo.com` |
| Transports | HTTP | 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 Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT |
| Read-only variant documented | yes | no |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2026-08-10 |
| Terms last updated | 2024-12-20 | 2025-01-10 |
| Privacy policy last updated | no date given | 2021-02-22 |
| 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 | not found in the text |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | not found in the text | not found in the text |
| Popularity | none | 1.1k npm/wk, 240 PyPI/wk |

## 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.

**Belvo.** Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.

## 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

### Belvo

1. Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys
2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes
3. Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts
4. Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`
5. Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute

## Questions

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

Belvo scores 63.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on security & auth.

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

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

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

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Belvo at https://api.belvo.com.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/akoya-vs-belvo.json, and with the fewest tokens: https://www.anchorterminal.com/compare/akoya-vs-belvo.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "akoya", "b": "belvo"}`. From a terminal: `anchor compare akoya belvo`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/belvo.json

## Other comparisons with Akoya or Belvo

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