# Akoya vs Powens

> Akoya scores 48.3 (D) to Powens's 42.6 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-powens
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-powens.md (~2,350 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-powens.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-powens.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: 2026-10-09

Akoya scores 48.3 (D) on agent readiness against Powens's 42.6 (E), and leads in 4 of 7 scored categories. Powens leads on transparency & trust. Both do bank account data.

- Akoya: grade D, 48.3/100, rank #817 of 950. Markdown https://www.anchorterminal.com/tools/akoya.md · JSON https://www.anchorterminal.com/api/v1/tools/akoya.json
- Powens: grade E, 42.6/100, rank #892 of 950. Markdown https://www.anchorterminal.com/tools/powens.md · JSON https://www.anchorterminal.com/api/v1/tools/powens.json
- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md
- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md

## 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 48
- Agent ergonomics, 67 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

### Powens (E)

Good for: A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.

Ahead on:
- Transparency & trust, 63 against 58

Watch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables


## Score by category

| Category | Weight | Akoya | Powens | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 27 | Akoya +1 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 48 | Akoya +22 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 57 | Akoya +10 |
| Security & auth | 14% (17.5 this run) | 64 | 60 | Akoya +4 |
| Payments & pricing | 10% (12.5 this run) | 10 | 10 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 33 | even |
| Transparency & trust | 7% (8.8 this run) | 58 | 63 | Powens +5 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **42.6 · E** | |

## Facts side by side

| Fact | Akoya | Powens |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Powens SAS |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://{domain}.biapi.pro/2.0` |
| 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 | Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 |
| Read-only variant documented | yes | yes |
| llms.txt | no | yes |
| Last release | 2026-08-05 | none |
| Terms last updated | 2024-12-20 | no date given |
| Privacy policy last updated | no date given | no date given |
| 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 | not found in the text |
| 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.

**Powens.** Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.

## 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

### Powens

1. Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`
2. Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given
3. Enable an account with `POST` and `{"disabled": false}` only after the account holder consents. Accounts arrive disabled with no transactions
4. Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header
5. Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks

## Questions

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

Akoya scores 48.3 (D) on agent readiness against Powens's 42.6 (E), and leads in 4 of 7 scored categories. Powens leads on transparency & trust.

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

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

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

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Powens at https://{domain}.biapi.pro/2.0.


## For agents

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

## Other comparisons with Akoya or Powens

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