{ "data": { "a": { "slug": "akoya", "name": "Akoya", "vendor": "Akoya LLC", "vendorUrl": "https://akoya.com", "kind": "http-api", "category": "banking-data", "summary": "Akoya runs a US data access network through which consumers permit apps to read their bank and brokerage accounts. Data recipients call FDX-based REST APIs for accounts, balances, transactions, customer details, statements and consent, after an OAuth consent flow.", "url": "https://www.anchorterminal.com/tools/akoya", "markdownUrl": "https://www.anchorterminal.com/tools/akoya.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/akoya.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/akoya.json", "license": "Proprietary service under the Akoya Terms of Use and a signed data access agreement", "transports": [ "http" ], "remoteUrl": "https://products.ddp.akoya.com", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 authorisation code grant with OpenID Connect. A person requests a Data Recipient Hub account (MFA is mandatory), registers an app and receives a client ID and secret. The consumer signs in at their own institution, picks the accounts to share, and the app exchanges the code at `/token` for an ID token and a refresh token. The ID token is the bearer token for data calls. The only scopes are `openid profile offline_access`, and what an app can read is set by its product subscriptions and the consumer's account selection. The service APIs take a 24-hour service token from separate credentials. Sandbox access is self-service. Production needs a questionnaire, a security review and a signed agreement.", "pricing": "paid", "pricingNotes": "No price is published. The pricing page names Standard (fewer than 10,000 monthly connections, self-service onboarding) and Enterprise (10,000 or more, custom pricing) without figures, and its FAQ says a set-up or implementation fee may apply. The sandbox is free and self-service with test data, so an agent's owner can start without a contract. Live data needs production approval (https://akoya.com/pricing, checked 2026-10-08).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs, the OpenAPI specifications or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.akoya.com", "openapi": "https://docs.akoya.com/guides/akoya-apis-3-0-0-spec", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.consent" ], "tags": [ "hosted", "oauth", "openapi", "fdx", "us-only", "sandbox", "webhooks", "sales-led", "closed-source", "soc2" ], "lastRelease": "2026-08-05", "graded": true, "anchor": { "graded": true, "score": 48.3, "grade": "D", "agentReady": false, "rank": 623, "ranked": true, "rankOf": 722, "categoryRank": 8, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 33, "payments": 10, "reliability": 28, "schema": 70, "security": 64, "transparency": 58 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "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.", "bestFor": "A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.", "strengths": [ "Data APIs are read-only GET endpoints, and each token covers one consumer, one app and the accounts that consumer selected", "OpenAPI 3.1 specifications are published for the Token, Service Token, data, Apps Management, Notifications and Consent APIs", "Free self-service sandbox with a test institution (`mikomo`), scripted test users and a public Postman workspace", "Written version policy. Breaking changes only in major versions, with a six-month sunset after deprecation", "Webhooks report consent revocation, consent updates and planned or unplanned outages, with three delivery attempts" ], "weaknesses": [ "No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply", "Production access needs an onboarding questionnaire, a security review (SOC 2 report or questionnaire) and an agreement signed by Docusign", "No public status page, SLA or numeric rate limit for the data APIs was found. Availability figures sit inside the Data Recipient Hub", "The Terms of Use forbid using any automated system to access the network and allow changes and termination without prior notice", "No SDK, `llms.txt` or Markdown docs. The OpenAPI files are code blocks to copy from docs pages, not downloadable files" ], "agentNotes": [ "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", "Use the `id_token` as the bearer token. The `/token` response has no `access_token` field, so generic OAuth libraries need adjusting", "Treat ID tokens as valid for 15 minutes, refresh on error 602, and store the new refresh token returned by every refresh", "Page transactions by following `links.next.href` unchanged. Set `limit`, `startTime` and `endTime` on the first call only", "On 429 with code 1207 slow the request rate. On 5xx retry up to three times with exponential backoff" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 48.3 } ], "editorialScores": { "ergonomics": 67, "maintenance": 33, "payments": 10, "reliability": 28, "schema": 70, "security": 64, "transparency": 44 }, "provenanceScore": 72 }, "connect": { "http": "curl --request GET --url 'https://sandbox-products.ddp.akoya.com/accounts-info/v3/mikomo' --header 'x-akoya-interaction-type: USER' --header 'x-akoya-last-access: 2025-11-24T00:00:00Z' --header 'accept: application/json' --header 'authorization: Bearer {{id_token}}'" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/akoya" }, "area": "domain-data", "provenance": { "legalEntity": "Akoya LLC", "domain": "akoya.com", "domainRegistered": "1998-06-24", "endpointOnVendorDomain": true, "terms": "https://akoya.com/terms-of-use", "privacy": "https://akoya.com/privacy-policy", "statusPage": "", "changelog": "https://docs.akoya.com/akoya/changelog", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The Terms of Use (last updated 20 December 2024) name Akoya LLC and govern use of the Akoya Data Access Network and akoya.com. Production use also runs under a data access agreement signed through Docusign, which is not published.", "The privacy policy (last updated 9 June 2025) covers the website and Akoya's products and services, and gives the address 6 Liberty Square #2381, Boston, MA 02109.", "The OpenAPI files name https://recipient.ddp.akoya.com/terms-of-use as their licence. That address returned a 755-byte script shell to our reader.", "akoya.com/.well-known/security.txt and docs.akoya.com/.well-known/security.txt both returned 404.", "No public status page was found. status.akoya.com did not connect, and the docs place network availability and outages inside the Data Recipient Hub, behind a login.", "RDAP (Verisign) gives a registration date of 1998-06-24 for akoya.com." ], "score": 72 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/akoya.json", "live": { "slug": "akoya", "probe": { "target": "https://products.ddp.akoya.com", "method": "get", "lastAt": "2026-10-08T21:12:03.241288067Z", "lastOk": true, "lastStatus": 403, "lastMs": 322, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 333, "p95ms24h": 384, "samples24h": 21, "samples30d": 21, "days": [ { "date": "2026-10-08", "probes": 21, "ok": 21 } ] }, "updatedAt": "2026-10-08T21:12:03.241288067Z" } }, "answer": "Akoya scores 48.3 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 3 of 7 scored categories. Salt Edge Account Information leads on reliability and transparency \u0026 trust.", "b": { "slug": "salt-edge", "name": "Salt Edge Account Information", "vendor": "Salt Edge", "vendorUrl": "https://www.saltedge.com", "kind": "http-api", "category": "banking-data", "summary": "Open banking aggregator for account data and payments across international banks.", "url": "https://www.anchorterminal.com/tools/salt-edge", "markdownUrl": "https://www.anchorterminal.com/tools/salt-edge.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/salt-edge.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/salt-edge.json", "transports": [ "http" ], "remoteUrl": "https://www.saltedge.com/api/v6", "packages": [], "auth": "api-key", "authNotes": "Every request carries App-id and Secret headers from the dashboard. Live applications must also sign requests, with an Expires-at header (UNIX time, at most an hour ahead) and a Signature header, the base64 SHA256 signature of `Expires-at|method|url|body` made with your private key. Test and Pending applications can skip signing. End users authorise through the Connect widget at a connect_url you create per customer.", "pricing": "paid", "pricingNotes": "No price list. The pricing page returns 404 and the product page points at the dashboard sign-up and a sales form (https://www.saltedge.com/products/account_information). A new dashboard application is in Test status and can only connect to Fake providers and bank sandboxes; moving to Live needs approval, after which rate limits for parallel connections are agreed with a project manager (https://docs.saltedge.com/v6/api_reference).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.saltedge.com/v6/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "uk", "eu", "closed-source", "enterprise", "webhooks" ], "graded": true, "anchor": { "graded": true, "score": 46.7, "grade": "D", "agentReady": false, "rank": 643, "ranked": true, "rankOf": 722, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 13, "payments": 10, "reliability": 52, "schema": 52, "security": 46, "transparency": 74 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.", "bestFor": "Account data and payments in markets outside the UK, EEA and US.", "strengths": [ "5,000-plus banks in more than 50 countries, by Salt Edge's own count", "per_page up to 1,000, from_id cursors and filters on account, dates and pending", "Consent scopes and period_days, with PUT /consents/{id}/revoke to end one", "Fake providers for password, OAuth and SMS flows, plus your own CSV data", "Privacy policy names its processors and countries and keeps EU data in the EU" ], "weaknesses": [ "Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429", "No public pricing; parallel connection limits are negotiated", "No official SDKs, OpenAPI file, llms.txt or changelog", "No security.txt, security page, disclosure policy or certification found", "Status history readable only for the last fortnight; the JSON feed is blocked by robots.txt" ], "agentNotes": [ "Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error", "Start with fakebank_simple_xf in country XF; it needs no bank sandbox", "Sign requests from the start even in Test, so the move to Live doesn't change your client", "Follow next_page from the meta block rather than building from_id URLs yourself", "Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 46.7 } ], "editorialScores": { "ergonomics": 67, "maintenance": 13, "payments": 10, "reliability": 52, "schema": 52, "security": 46, "transparency": 73 }, "provenanceScore": 74 }, "connect": { "http": "curl https://www.saltedge.com/api/v6/countries -H \"App-id: $SALTEDGE_APP_ID\" -H \"Secret: $SALTEDGE_SECRET\" -H \"Accept: application/json\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/salt-edge" }, "area": "domain-data", "provenance": { "legalEntity": "Salt Edge Limited", "domain": "saltedge.com", "domainRegistered": "2013-12-16", "endpointOnVendorDomain": true, "terms": "https://www.saltedge.com/legal/terms_of_service", "privacy": "https://www.saltedge.com/legal/privacy_policy", "statusPage": "https://www.saltedgestatus.com/", "changelog": "", "securityTxt": "none", "checked": "2026-10-01", "notes": [ "Salt Edge Limited, registered in England and Wales, company 11178811, FCA 822499, is a subsidiary of Salt Edge Inc., which the privacy policy places in Canada, with offices in Canada, the UK and Moldova.", "The privacy policy was last updated 14 September 2023.", "The domain's registration expires 2026-12-16 per Verisign's RDAP record in the 30 September check; rdap.org returned 403.", "www.saltedge.com/.well-known/security.txt returned 404 in the 30 September check, and www.saltedge.com/security returns 404.", "No changelog found; product news appears on blog.saltedge.com." ], "score": 74 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/salt-edge.json", "live": { "slug": "salt-edge", "probe": { "target": "https://www.saltedge.com/api/v6", "method": "get", "lastAt": "2026-10-08T21:12:20.708087562Z", "lastOk": true, "lastStatus": 404, "lastMs": 141, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 118, "p95ms24h": 193, "samples24h": 271, "samples30d": 1955, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 239, "ok": 239 } ] }, "vendorStatus": { "page": "https://www.saltedgestatus.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T21:06:25.318312262Z" }, "securityTxt": { "url": "https://saltedge.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:39:01.934789746Z" }, "domain": { "domain": "saltedge.com", "registered": "2013-12-16", "source": "https://rdap.verisign.com/com/v1/domain/saltedge.com", "checkedAt": "2026-10-04T13:05:42.743352908Z" }, "pages": [ { "url": "https://www.saltedge.com/legal/privacy_policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:30:08.989475763Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "98095fe138d1" }, { "url": "https://www.saltedge.com/legal/terms_of_service", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:30:11.439358543Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d4d5435c5ee6" } ], "updatedAt": "2026-10-08T21:12:20.708087562Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Akoya LLC", "b": "Salt Edge", "name": "Vendor" }, { "a": "https://products.ddp.akoya.com", "b": "https://www.saltedge.com/api/v6", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under the Akoya Terms of Use and a signed data access agreement", "b": "none", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "no", "b": "no", "name": "llms.txt" }, { "a": "2026-08-05", "b": "none", "name": "Last release" }, { "a": "2024-12-20", "b": "2023-09-14", "name": "Terms last updated" }, { "a": "no date given", "b": "2023-09-14", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "yes", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "2.5/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Akoya scores 48.3 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 3 of 7 scored categories. Salt Edge Account Information leads on reliability and transparency \u0026 trust.", "question": "Which is better for AI agents, Akoya or Salt Edge Account Information?" }, { "answer": "Akoya uses an OAuth sign-in. Salt Edge Account Information needs an API key.", "question": "Do Akoya and Salt Edge Account Information need an API key?" }, { "answer": "Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Salt Edge Account Information at https://www.saltedge.com/api/v6.", "question": "Can an agent call Akoya and Salt Edge Account Information without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Schema \u0026 documentation, 70 against 52", "Security \u0026 auth, 64 against 46", "Maintenance \u0026 community, 33 against 13" ], "also": null, "goodFor": "A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.", "slug": "akoya", "watchFor": "No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply" }, { "aheadOn": [ "Reliability, 52 against 28", "Transparency \u0026 trust, 74 against 58" ], "also": null, "goodFor": "Account data and payments in markets outside the UK, EEA and US.", "slug": "salt-edge", "watchFor": "Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-belvo.json", "title": "Akoya vs Belvo", "url": "https://www.anchorterminal.com/compare/akoya-vs-belvo" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking.json", "title": "Akoya vs Enable Banking", "url": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-flinks.json", "title": "Akoya vs Flinks", "url": "https://www.anchorterminal.com/compare/akoya-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.json", "title": "Akoya vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-mx.json", "title": "Akoya vs MX Platform API", "url": "https://www.anchorterminal.com/compare/akoya-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-plaid.json", "title": "Akoya vs Plaid", "url": "https://www.anchorterminal.com/compare/akoya-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-teller.json", "title": "Akoya vs Teller", "url": "https://www.anchorterminal.com/compare/akoya-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-tink.json", "title": "Akoya vs Tink", "url": "https://www.anchorterminal.com/compare/akoya-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-truelayer.json", "title": "Akoya vs TrueLayer", "url": "https://www.anchorterminal.com/compare/akoya-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-yapily.json", "title": "Akoya vs Yapily", "url": "https://www.anchorterminal.com/compare/akoya-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge.json", "title": "Belvo vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.json", "title": "Enable Banking vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge.json", "title": "Flinks vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.json", "title": "GoCardless Bank Account Data vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-salt-edge.json", "title": "MX Platform API vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/mx-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-salt-edge.json", "title": "Plaid vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/plaid-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-teller.json", "title": "Salt Edge Account Information vs Teller", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-tink.json", "title": "Salt Edge Account Information vs Tink", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.json", "title": "Salt Edge Account Information vs TrueLayer", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-yapily.json", "title": "Salt Edge Account Information vs Yapily", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-yapily" } ], "scores": [ { "akoya": 28, "by": 24, "edge": "salt-edge", "key": "reliability", "name": "Reliability", "salt-edge": 52, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "akoya": 70, "by": 18, "edge": "akoya", "key": "schema", "name": "Schema \u0026 documentation", "salt-edge": 52, "weight": 13 }, { "akoya": 67, "by": 0, "edge": "", "key": "ergonomics", "name": "Agent ergonomics", "salt-edge": 67, "weight": 13 }, { "akoya": 64, "by": 18, "edge": "akoya", "key": "security", "name": "Security \u0026 auth", "salt-edge": 46, "weight": 14 }, { "akoya": 10, "by": 0, "edge": "", "key": "payments", "name": "Payments \u0026 pricing", "salt-edge": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "akoya": 33, "by": 20, "edge": "akoya", "key": "maintenance", "name": "Maintenance \u0026 community", "salt-edge": 13, "weight": 7 }, { "akoya": 58, "by": 16, "edge": "salt-edge", "key": "transparency", "name": "Transparency \u0026 trust", "salt-edge": 74, "weight": 7 } ], "summary": "Akoya scores 48.3 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 3 of 7 scored categories. Salt Edge Account Information leads on reliability and transparency \u0026 trust. Both do bank accounts.", "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.", "salt-edge": "5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge", "json": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge.md", "slim": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge.min.md" }, "markdown": "Akoya scores 48.3 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 3 of 7 scored categories. Salt Edge Account Information leads on reliability and transparency \u0026 trust. Both do bank accounts.\n\n- 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\n- Salt Edge Account Information: grade D, 46.7/100, rank #643 of 722. Markdown https://www.anchorterminal.com/tools/salt-edge.md · JSON https://www.anchorterminal.com/api/v1/tools/salt-edge.json\n\n## Which one, for what\n\n### Akoya (D)\n\nGood for: A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.\n\nAhead on:\n- Schema \u0026 documentation, 70 against 52\n- Security \u0026 auth, 64 against 46\n- Maintenance \u0026 community, 33 against 13\n\nWatch for: No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply\n\n### Salt Edge Account Information (D)\n\nGood for: Account data and payments in markets outside the UK, EEA and US.\n\nAhead on:\n- Reliability, 52 against 28\n- Transparency \u0026 trust, 74 against 58\n\nWatch for: Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429\n\n\n## Score by category\n\n| Category | Weight | Akoya | Salt Edge Account Information | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 28 | 52 | Salt Edge Account Information +24 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 70 | 52 | Akoya +18 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 67 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 64 | 46 | Akoya +18 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 10 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 33 | 13 | Akoya +20 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 74 | Salt Edge Account Information +16 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **48.3 · D** | **46.7 · D** | |\n\n## Facts side by side\n\n| Fact | Akoya | Salt Edge Account Information |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Akoya LLC | Salt Edge |\n| Hosted endpoint | `https://products.ddp.akoya.com` | `https://www.saltedge.com/api/v6` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | none |\n| Read-only variant documented | yes | no |\n| llms.txt | no | no |\n| Last release | 2026-08-05 | none |\n| Terms last updated | 2024-12-20 | 2023-09-14 |\n| Privacy policy last updated | no date given | 2023-09-14 |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | yes | not found in the text |\n| Terms restrict benchmarking | not found in the text | yes |\n| Terms or service can change without notice | yes | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n| Agent reviews | none | 2.5/5 (2) |\n\n## Verdicts\n\n**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.\n\n**Salt Edge Account Information.** 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.\n\n## Before you call either\n\n### Akoya\n\n1. 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\n2. Use the `id_token` as the bearer token. The `/token` response has no `access_token` field, so generic OAuth libraries need adjusting\n3. Treat ID tokens as valid for 15 minutes, refresh on error 602, and store the new refresh token returned by every refresh\n4. Page transactions by following `links.next.href` unchanged. Set `limit`, `startTime` and `endTime` on the first call only\n5. On 429 with code 1207 slow the request rate. On 5xx retry up to three times with exponential backoff\n\n### Salt Edge Account Information\n\n1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error\n2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox\n3. Sign requests from the start even in Test, so the move to Live doesn't change your client\n4. Follow next_page from the meta block rather than building from_id URLs yourself\n5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done\n\n## Questions\n\n### Which is better for AI agents, Akoya or Salt Edge Account Information?\n\nAkoya scores 48.3 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 3 of 7 scored categories. Salt Edge Account Information leads on reliability and transparency \u0026 trust.\n\n### Do Akoya and Salt Edge Account Information need an API key?\n\nAkoya uses an OAuth sign-in. Salt Edge Account Information needs an API key.\n\n### Can an agent call Akoya and Salt Edge Account Information without installing anything?\n\nYes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Salt Edge Account Information at https://www.saltedge.com/api/v6.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/akoya-vs-salt-edge.json, and with the fewest tokens: https://www.anchorterminal.com/compare/akoya-vs-salt-edge.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"akoya\", \"b\": \"salt-edge\"}`. From a terminal: `anchor compare akoya salt-edge`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/salt-edge.json\n\n## Other comparisons with Akoya or Salt Edge Account Information\n\n- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)\n- [Akoya vs Enable Banking](https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md)\n- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)\n- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)\n- [Akoya vs MX Platform API](https://www.anchorterminal.com/compare/akoya-vs-mx.md)\n- [Akoya vs Plaid](https://www.anchorterminal.com/compare/akoya-vs-plaid.md)\n- [Akoya vs Teller](https://www.anchorterminal.com/compare/akoya-vs-teller.md)\n- [Akoya vs Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)\n- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)\n- [Akoya vs Yapily](https://www.anchorterminal.com/compare/akoya-vs-yapily.md)\n- [Belvo vs Salt Edge Account Information](https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md)\n- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)\n- [Flinks vs Salt Edge Account Information](https://www.anchorterminal.com/compare/flinks-vs-salt-edge.md)\n- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)\n- [MX Platform API vs Salt Edge Account Information](https://www.anchorterminal.com/compare/mx-vs-salt-edge.md)\n- [Plaid vs Salt Edge Account Information](https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md)\n- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)\n- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)\n- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)\n- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Akoya vs Salt Edge Account Information", "url": "" } ], "description": "Akoya scores 48.3 (D) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 3 of 7 scored categories. Salt Edge Account Information leads on reliability and transparency \u0026 trust. Both do bank accounts. Category scores, facts, verdicts and agent notes…", "facts": [ "Akoya D 48.3", "Salt Edge Account Information D 46.7", "scores" ], "h1": "Akoya vs Salt Edge Account Information", "image": "https://www.anchorterminal.com/assets/og/compare-akoya-vs-salt-edge.png", "path": "/compare/akoya-vs-salt-edge", "published": "2026-10-01", "section": "tools", "title": "Akoya vs Salt Edge Account Information for AI agents, D 48.3 vs D 46.7", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge" }, "tokens": { "markdown": 2200, "slim": 630 }, "version": 1 }