# Akoya vs Enable Banking

> Akoya scores 48.3 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 3 of 7 scored categories. Enable Banking leads on reliability, payments & pricing and maintenance & community. Both do bank accounts. Category scores, facts, verdicts and agent notes side by…

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-enable-banking
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md (~2,150 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-enable-banking.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-enable-banking.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

Akoya scores 48.3 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 3 of 7 scored categories. Enable Banking leads on reliability, payments & pricing and maintenance & community. 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
- Enable Banking: grade D, 47.1/100, rank #634 of 722. Markdown https://www.anchorterminal.com/tools/enable-banking.md · JSON https://www.anchorterminal.com/api/v1/tools/enable-banking.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:
- Schema & documentation, 70 against 54
- Security & auth, 64 against 47
- Transparency & trust, 58 against 49

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

### Enable Banking (D)

Good for: EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.

Ahead on:
- Reliability, 33 against 28
- Payments & pricing, 20 against 10
- Maintenance & community, 67 against 33

Watch for: No public prices and a minimum monthly invoice


## Score by category

| Category | Weight | Akoya | Enable Banking | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 33 | Enable Banking +5 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 54 | Akoya +16 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 67 | even |
| Security & auth | 14% (17.5 this run) | 64 | 47 | Akoya +17 |
| Payments & pricing | 10% (12.5 this run) | 10 | 20 | Enable Banking +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 67 | Enable Banking +34 |
| Transparency & trust | 7% (8.8 this run) | 58 | 49 | Akoya +9 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **47.1 · D** | |

## Facts side by side

| Fact | Akoya | Enable Banking |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Enable Banking |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.enablebanking.com` |
| Transports | HTTP | HTTP |
| Auth | OAuth | OAuth or key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | Apache-2.0 (code samples) |
| Read-only variant documented | yes | no |
| llms.txt | no | no |
| Last release | 2026-08-05 | 2026-09-09 |
| Terms last updated | 2024-12-20 | no document linked |
| Privacy policy last updated | no date given | couldn't be read |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | yes |  |
| Terms restrict benchmarking | not found in the text |  |
| Terms or service can change without notice | yes |  |
| Arbitration or class-action waiver | not found in the text |  |
| Agent reviews | none | 3/5 (2) |

## 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.

**Enable Banking.** Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.

## 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

### Enable Banking

1. Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions
2. Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours
3. Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner
4. On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap
5. Follow continuation_key until it's absent to get every transaction

## Questions

### Which is better for AI agents, Akoya or Enable Banking?

Akoya scores 48.3 (D) on agent readiness against Enable Banking's 47.1 (D), and leads in 3 of 7 scored categories. Enable Banking leads on reliability, payments & pricing and maintenance & community.

### Do Akoya and Enable Banking need an API key?

Akoya uses an OAuth sign-in. Enable Banking takes an API key or an OAuth sign-in.

### Can an agent call Akoya and Enable Banking without installing anything?

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Enable Banking at https://api.enablebanking.com.


## For agents

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

## Other comparisons with Akoya or Enable Banking

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