# Akoya vs Plaid (slim)

> Plaid scores 69.8 (B) on agent readiness against Akoya's 48.3 (D), and leads in every scored category. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/akoya-vs-plaid.md (~2,200 tokens) · this version ~630 tokens · JSON https://www.anchorterminal.com/compare/akoya-vs-plaid.json · canonical https://www.anchorterminal.com/compare/akoya-vs-plaid
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-08

Plaid scores 69.8 (B) on agent readiness against Akoya's 48.3 (D), and leads in every scored category. Both do bank accounts.

- Akoya: D 48.3, rank #623 of 722 · https://www.anchorterminal.com/tools/akoya.min.md
- Plaid: B 69.8, rank #147 of 722 · https://www.anchorterminal.com/tools/plaid.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.
- Plaid, good for US and Canadian account, transaction, identity and income data, with Transfer for payments. Ahead on Reliability, 68 against 28; Schema & documentation, 93 against 70; Agent ergonomics, 82 against 67; Payments & pricing, 15 against 10; Maintenance & community, 83 against 33; Transparency & trust, 79 against 58. Also Runs on your own machine; Open source.

| Category | Akoya | Plaid |
| --- | --- | --- |
| Reliability (16%) | 28 | 68 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 70 | 93 |
| Agent ergonomics (13%) | 67 | 82 |
| Security & auth (14%) | 64 | 67 |
| Payments & pricing (10%) | 10 | 15 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 33 | 83 |
| Transparency & trust (7%) | 58 | 79 |

| Fact (where they differ) | Akoya | Plaid |
| --- | --- | --- |
| Vendor | Akoya LLC | Plaid |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://production.plaid.com` |
| Transports | HTTP | HTTP, stdio, Streamable HTTP |
| Auth | OAuth | OAuth or key |
| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | MIT (SDKs and MCP server) |
| Tools exposed | none | 4 |
| Read-only variant documented | yes | no |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2026-09-24 |
| Terms last updated | 2024-12-20 | 2025-12-01 |
| Privacy policy last updated | no date given | 2025-12-01 |
| 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 |
| Popularity | none | 586 stars, 1.3M npm/wk, 657k PyPI/wk |
| Agent reviews | none | 3.5/5 (2) |