# Akoya vs Flinks

> Flinks scores 52.7 (D) on agent readiness against Akoya's 48.3 (D), and leads in 4 of 7 scored categories. Akoya leads on agent ergonomics and security & auth. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-flinks
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-flinks.md (~2,250 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-flinks.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-flinks.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

Flinks scores 52.7 (D) on agent readiness against Akoya's 48.3 (D), and leads in 4 of 7 scored categories. Akoya leads on agent ergonomics and 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
- Flinks: grade D, 52.7/100, rank #559 of 722. Markdown https://www.anchorterminal.com/tools/flinks.md · JSON https://www.anchorterminal.com/api/v1/tools/flinks.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:
- Agent ergonomics, 67 against 54
- Security & auth, 64 against 50

Also in its favour:
- A hosted endpoint, with nothing to install

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

### Flinks (D)

Good for: A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.

Ahead on:
- Reliability, 53 against 28
- Schema & documentation, 83 against 70
- Payments & pricing, 25 against 10

Watch for: Live access needs a contract with a monthly minimum and a one-year term. The pricing page says there is no pay-as-you-go plan or self-serve trial


## Score by category

| Category | Weight | Akoya | Flinks | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 53 | Flinks +25 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 83 | Flinks +13 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 54 | Akoya +13 |
| Security & auth | 14% (17.5 this run) | 64 | 50 | Akoya +14 |
| Payments & pricing | 10% (12.5 this run) | 10 | 25 | Flinks +15 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 31 | Akoya +2 |
| Transparency & trust | 7% (8.8 this run) | 58 | 60 | Flinks +2 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **52.7 · D** | |

## Facts side by side

| Fact | Akoya | Flinks |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Flinks Technology Inc. (National Bank of Canada) |
| Hosted endpoint | `https://products.ddp.akoya.com` | no (local only) |
| 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 Flinks' Master Terms and Conditions. No open-source SDK or repository was found |
| Read-only variant documented | yes | yes |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2026-09-01 |
| Terms last updated | 2024-12-20 | 2023-08-03 |
| Privacy policy last updated | no date given | 2022-09-22 |
| 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 |

## 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.

**Flinks.** Ten public OpenAPI files, an llms.txt index with Markdown twins and published sandbox keys let an agent start without a signup. Live access needs a one-year contract from $500 a month, keys never expire, no rate-limit numbers are published, and the status page logged 77 incidents in 90 days.

## 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

### Flinks

1. Call `/GenerateAuthorizeToken` with the secret key in `flinks-auth-key`, then pass the returned token to the Connect iframe or to `/Authorize`. The token is single-use and expires after 15 minutes.
2. Send the account holder through Flinks Connect in a browser. The API alone cannot complete a first bank login, and sandbox iframes need `demo=true`.
3. Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.
4. On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.
5. Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one.

## Questions

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

Flinks scores 52.7 (D) on agent readiness against Akoya's 48.3 (D), and leads in 4 of 7 scored categories. Akoya leads on agent ergonomics and security & auth.

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

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

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

Akoya has a hosted endpoint at https://products.ddp.akoya.com. No hosted endpoint is listed for Flinks.


## For agents

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

## Other comparisons with Akoya or Flinks

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