# Akoya vs MX Platform API

> MX Platform API scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 6 of 7 scored categories. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-mx
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-mx.md (~2,300 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-mx.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-mx.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

MX Platform API scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 6 of 7 scored categories. 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
- MX Platform API: grade B, 62.5/100, rank #336 of 722. Markdown https://www.anchorterminal.com/tools/mx.md · JSON https://www.anchorterminal.com/api/v1/tools/mx.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.

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

### MX Platform API (B)

Good for: A US or Canadian bank, credit union or fintech with a signed MX contract that wants aggregation, verification and categorised transactions plus embeddable finance widgets.

Ahead on:
- Reliability, 63 against 28
- Schema & documentation, 85 against 70
- Agent ergonomics, 74 against 67
- Payments & pricing, 15 against 10
- Maintenance & community, 71 against 33
- Transparency & trust, 63 against 58

Watch for: No public price, SLA or client agreement. Production keys are requested from MX in the Client Dashboard


## Score by category

| Category | Weight | Akoya | MX Platform API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 63 | MX Platform API +35 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 85 | MX Platform API +15 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 74 | MX Platform API +7 |
| Security & auth | 14% (17.5 this run) | 64 | 60 | Akoya +4 |
| Payments & pricing | 10% (12.5 this run) | 10 | 15 | MX Platform API +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 71 | MX Platform API +38 |
| Transparency & trust | 7% (8.8 this run) | 58 | 63 | MX Platform API +5 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **62.5 · B** | |

## Facts side by side

| Fact | Akoya | MX Platform API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | MX Technologies, Inc. |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.mx.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. The SDKs and the OpenAPI files on GitHub are MIT |
| Read-only variant documented | yes | no |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2026-09-29 |
| Terms last updated | 2024-12-20 | no document linked |
| Privacy policy last updated | no date given | no document linked |
| 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 |  |
| Popularity | none | 9 stars, 2.6k npm/wk, 2k 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.

**MX Platform API.** Three public OpenAPI files, llms.txt, Markdown docs and a written version policy with 18 months of support and `Deprecation` and `Sunset` response headers. No price, client agreement or SLA is published, production keys need MX's approval, every calling IP address must be allowlisted, and the status page records three platform-wide error incidents since 10 July 2026.

## 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

### MX Platform API

1. Send `Accept: application/json`, `Accept-Version: v20260929` and Basic auth of `client_id:api_key` on every call. A missing version returns 406
2. Ask the owner to allowlist the calling machine's static IP in the Client Dashboard first. Other addresses get 403, and some failed authentication returns 404
3. Test against `https://int-api.mx.com` with institution `mxbank`, username `mxuser` and any password. It has no aggregation throttle
4. Set your own `id` when creating users and members. A repeat returns 409, which makes a retried create safe
5. Expect 202 without an error when a standard aggregation is throttled (three hours by default). Balance checks stop at 5 per member every 2 hours with 429
6. Pass `includes[]=merchant` or `includes[]=category` as an array on transaction lists. A comma-separated string returns 400

## Questions

### Which is better for AI agents, Akoya or MX Platform API?

MX Platform API scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 6 of 7 scored categories.

### Do Akoya and MX Platform API need an API key?

Akoya uses an OAuth sign-in. MX Platform API needs an API key.

### Can an agent call Akoya and MX Platform API without installing anything?

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and MX Platform API at https://api.mx.com.


## For agents

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

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