{ "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": "Tink scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories.", "b": { "slug": "tink", "name": "Tink", "vendor": "Tink AB (Visa)", "vendorUrl": "https://tink.com", "kind": "http-api", "category": "banking-data", "summary": "Tink is a European open banking platform owned by Visa. Its REST API and hosted Tink Link flow read accounts, balances and transactions with the account holder's consent, and start bank payments.", "url": "https://www.anchorterminal.com/tools/tink", "markdownUrl": "https://www.anchorterminal.com/tools/tink.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/tink.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/tink.json", "repo": "https://github.com/tink-ab/tink-link-ios", "license": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "transports": [ "http" ], "remoteUrl": "https://api.tink.com", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 with a `client_id` and `client_secret` from the Tink Console, sent in the POST body to https://api.tink.com/api/v1/oauth/token. A client token lasts 30 minutes and carries only the scopes requested. Data calls need a user token, valid two hours, obtained through an authorisation grant for a Tink user or from the code Tink Link returns after bank consent. Mutual TLS is accepted as an alternative client authentication method. Console signup is self-serve for the sandbox. Live access is by sales contract, with customer due diligence when Tink's own licence is used.", "pricing": "paid", "pricingNotes": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and says listed prices apply only to existing customers (https://tink.com/pricing/, checked 2026-10-08). The FAQ says there is no pay-per-use option and that a free Console account gives test data in a sandbox (https://tink.com/faq/). No card is mentioned for signup. Fees are set in an order form and billed monthly in arrears under the MSA.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference introduction 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.tink.com", "llmsTxt": "https://docs.tink.com/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent", "bank.payments", "bank.identity" ], "tags": [ "hosted", "oauth", "llms-txt", "webhooks", "sandbox", "eu", "uk", "enterprise", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-09-15", "graded": true, "anchor": { "graded": true, "score": 62.5, "grade": "B", "agentReady": false, "rank": 337, "ranked": true, "rankOf": 722, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 90 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.", "bestFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "strengths": [ "OAuth 2.0 client credentials with named scopes per endpoint, 30-minute client tokens and two-hour user tokens", "Master Service Agreement, DPA, four SLA documents and a sub-processor list with processing locations are public PDFs", "Data v2 list endpoints page with `pageSize` and `pageToken`, with date, account and status filters on transactions", "Changelog with 367 dated entries, three of them in the 90 days to 8 October 2026", "Free Console account with a Demo Bank covering test users in 18 countries" ], "weaknesses": [ "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option", "The API reference is a JavaScript app with the Swagger definitions inside its bundle. No downloadable spec was found", "Rate limits are per app with no published numbers, and a 429 carries no documented Retry-After", "A critical incident on 16 July 2026 stopped authentication, consent, account data and payment flows in all European markets for 62 minutes", "security.txt has a Policy line pointing to Visa's disclosure page and no Contact or Expires field" ], "agentNotes": [ "Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.", "Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.", "Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.", "Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.", "Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 62.5 } ], "editorialScores": { "ergonomics": 74, "maintenance": 69, "payments": 10, "reliability": 62, "schema": 73, "security": 63, "transparency": 79 }, "provenanceScore": 100 }, "connect": { "http": "curl -X POST https://api.tink.com/api/v1/oauth/token \\\n -d \"client_id=$TINK_CLIENT_ID\" \\\n -d \"client_secret=$TINK_CLIENT_SECRET\" \\\n -d \"grant_type=client_credentials\" \\\n -d \"scope=authorization:grant,user:create\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/tink" }, "area": "domain-data", "provenance": { "legalEntity": "Tink AB", "domain": "tink.com", "domainRegistered": "1993-03-18", "endpointOnVendorDomain": true, "terms": "https://assets.ctfassets.net/c78bhj3obgck/4rs258WTPok62q9qrmFE1o/b68d1bcc13b5c118503ecffc8647a7d8/Tink_Master_Service_Agreement_2025-12-09.pdf", "privacy": "https://cdn.tink.se/legal/privacy-policy/en_UK/privacy-policy-en_UK-2601.pdf", "statusPage": "https://status.tink.com", "changelog": "https://docs.tink.com/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The Master Service Agreement (version 2025-12-09) names Tink AB, corporate registration number 556898-2192, Regeringsgatan 38, 111 56 Stockholm, and is governed by Swedish law. The legal FAQ says all customer use is governed by it.", "The legal FAQ lists Tink AB as a payment institution under the Swedish Financial Supervisory Authority (SFSA ID 44059), Tink Germany GmbH under BaFin (10152149) and Tink Financial Services Limited under the UK FCA (FRN 988456). Tink is a Visa company.", "The privacy link is the Visa Open Banking Privacy Notice for End-Users, effective 8 January 2026, which covers the bank data read through the product. A separate General Privacy Notice (effective 8 April 2025) covers website visitors and business contacts, and customer data is governed by the DPA of 1 October 2025.", "tink.com/.well-known/security.txt has a Canonical line and a Policy line pointing to Visa's vulnerability disclosure page, with no Contact or Expires field, both of which RFC 9116 requires. It is recorded as valid because the file is served, as with other listings whose file lacks Expires.", "The API answers at api.tink.com and Tink Link at link.tink.com. Legal PDFs are served from assets.ctfassets.net and cdn.tink.se.", "The changelog at docs.tink.com/changelog renders in JavaScript. We read its entries from the content feed the page itself requests. Verisign RDAP gives the domain registration date and MarkMonitor as registrar." ], "score": 100 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/tink.json", "live": { "slug": "tink", "probe": { "target": "https://api.tink.com", "method": "get", "lastAt": "2026-10-08T21:12:23.623109731Z", "lastOk": true, "lastStatus": 404, "lastMs": 60, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 54, "p95ms24h": 116, "samples24h": 41, "samples30d": 41, "days": [ { "date": "2026-10-08", "probes": 41, "ok": 41 } ] }, "vendorStatus": { "page": "https://status.tink.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T21:06:28.243486084Z" }, "pages": [ { "url": "https://docs.tink.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-08T18:19:36.318263547Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e3b0c44298fc" }, { "url": "https://tink.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:25:14.991772397Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "b875e338cc34" } ], "updatedAt": "2026-10-08T21:12:23.623109731Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Akoya LLC", "b": "Tink AB (Visa)", "name": "Vendor" }, { "a": "https://products.ddp.akoya.com", "b": "https://api.tink.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth", "b": "OAuth", "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": "Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2026-08-05", "b": "2026-09-15", "name": "Last release" }, { "a": "2024-12-20", "b": "", "name": "Terms last updated" }, { "a": "no date given", "b": "", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "yes", "b": "", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "", "name": "Arbitration or class-action waiver" } ], "faq": [ { "answer": "Tink scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories.", "question": "Which is better for AI agents, Akoya or Tink?" }, { "answer": "Both use an OAuth sign-in.", "question": "Do Akoya and Tink need an API key?" }, { "answer": "Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Tink at https://api.tink.com.", "question": "Can an agent call Akoya and Tink without installing anything?" } ], "goodFor": [ { "aheadOn": null, "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, 62 against 28", "Agent ergonomics, 74 against 67", "Maintenance \u0026 community, 69 against 33", "Transparency \u0026 trust, 90 against 58" ], "also": null, "goodFor": "A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.", "slug": "tink", "watchFor": "No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option" } ], "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-salt-edge.json", "title": "Akoya vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/akoya-vs-salt-edge" }, { "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-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-tink.json", "title": "Belvo vs Tink", "url": "https://www.anchorterminal.com/compare/belvo-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-tink.json", "title": "Enable Banking vs Tink", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-tink.json", "title": "Flinks vs Tink", "url": "https://www.anchorterminal.com/compare/flinks-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.json", "title": "GoCardless Bank Account Data vs Tink", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-tink.json", "title": "MX Platform API vs Tink", "url": "https://www.anchorterminal.com/compare/mx-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-tink.json", "title": "Plaid vs Tink", "url": "https://www.anchorterminal.com/compare/plaid-vs-tink" }, { "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/teller-vs-tink.json", "title": "Teller vs Tink", "url": "https://www.anchorterminal.com/compare/teller-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-truelayer.json", "title": "Tink vs TrueLayer", "url": "https://www.anchorterminal.com/compare/tink-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yapily.json", "title": "Tink vs Yapily", "url": "https://www.anchorterminal.com/compare/tink-vs-yapily" } ], "scores": [ { "akoya": 28, "by": 34, "edge": "tink", "key": "reliability", "name": "Reliability", "tink": 62, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "akoya": 70, "by": 3, "edge": "tink", "key": "schema", "name": "Schema \u0026 documentation", "tink": 73, "weight": 13 }, { "akoya": 67, "by": 7, "edge": "tink", "key": "ergonomics", "name": "Agent ergonomics", "tink": 74, "weight": 13 }, { "akoya": 64, "by": 1, "edge": "akoya", "key": "security", "name": "Security \u0026 auth", "tink": 63, "weight": 14 }, { "akoya": 10, "by": 0, "edge": "", "key": "payments", "name": "Payments \u0026 pricing", "tink": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "akoya": 33, "by": 36, "edge": "tink", "key": "maintenance", "name": "Maintenance \u0026 community", "tink": 69, "weight": 7 }, { "akoya": 58, "by": 32, "edge": "tink", "key": "transparency", "name": "Transparency \u0026 trust", "tink": 90, "weight": 7 } ], "summary": "Tink scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. 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.", "tink": "OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/akoya-vs-tink", "json": "https://www.anchorterminal.com/compare/akoya-vs-tink.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/akoya-vs-tink.md", "slim": "https://www.anchorterminal.com/compare/akoya-vs-tink.min.md" }, "markdown": "Tink scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. 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- Tink: grade B, 62.5/100, rank #337 of 722. Markdown https://www.anchorterminal.com/tools/tink.md · JSON https://www.anchorterminal.com/api/v1/tools/tink.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\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### Tink (B)\n\nGood for: A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.\n\nAhead on:\n- Reliability, 62 against 28\n- Agent ergonomics, 74 against 67\n- Maintenance \u0026 community, 69 against 33\n- Transparency \u0026 trust, 90 against 58\n\nWatch for: No public prices. The pricing page lists Standard as Contact us and Enterprise as Custom pricing, and the FAQ says there is no pay-per-use option\n\n\n## Score by category\n\n| Category | Weight | Akoya | Tink | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 28 | 62 | Tink +34 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 70 | 73 | Tink +3 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 74 | Tink +7 |\n| Security \u0026 auth | 14% (17.5 this run) | 64 | 63 | Akoya +1 |\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 | 69 | Tink +36 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 90 | Tink +32 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **48.3 · D** | **62.5 · B** | |\n\n## Facts side by side\n\n| Fact | Akoya | Tink |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Akoya LLC | Tink AB (Visa) |\n| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.tink.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | Proprietary service under Tink's Master Service Agreement. The Tink Link SDKs for iOS and Android on GitHub are MIT |\n| Read-only variant documented | yes | no |\n| llms.txt | no | yes |\n| Last release | 2026-08-05 | 2026-09-15 |\n| Terms last updated | 2024-12-20 | |\n| Privacy policy last updated | no date given | |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | yes | |\n| Terms restrict benchmarking | not found in the text | |\n| Terms or service can change without notice | yes | |\n| Arbitration or class-action waiver | not found in the text | |\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**Tink.** OAuth client credentials with per-endpoint scopes, token-paged data endpoints and a published MSA, DPA, SLA and sub-processor list. No price is public, live access needs a sales contract, and the API reference has no downloadable spec or published rate-limit numbers.\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### Tink\n\n1. Request a client token at https://api.tink.com/api/v1/oauth/token, create a user, request an authorisation grant for that user, then exchange the code for a user token.\n2. Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.\n3. Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.\n4. Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.\n5. Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours.\n\n## Questions\n\n### Which is better for AI agents, Akoya or Tink?\n\nTink scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories.\n\n### Do Akoya and Tink need an API key?\n\nBoth use an OAuth sign-in.\n\n### Can an agent call Akoya and Tink without installing anything?\n\nYes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Tink at https://api.tink.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/akoya-vs-tink.json, and with the fewest tokens: https://www.anchorterminal.com/compare/akoya-vs-tink.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"akoya\", \"b\": \"tink\"}`. From a terminal: `anchor compare akoya tink`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/tink.json\n\n## Other comparisons with Akoya or Tink\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 Salt Edge Account Information](https://www.anchorterminal.com/compare/akoya-vs-salt-edge.md)\n- [Akoya vs Teller](https://www.anchorterminal.com/compare/akoya-vs-teller.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 Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\n- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Flinks vs Tink](https://www.anchorterminal.com/compare/flinks-vs-tink.md)\n- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)\n- [MX Platform API vs Tink](https://www.anchorterminal.com/compare/mx-vs-tink.md)\n- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)\n- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)\n- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)\n- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-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 Tink", "url": "" } ], "description": "Tink scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Akoya D 48.3", "Tink B 62.5", "scores" ], "h1": "Akoya vs Tink", "image": "https://www.anchorterminal.com/assets/og/compare-akoya-vs-tink.png", "path": "/compare/akoya-vs-tink", "published": "2026-10-01", "section": "tools", "title": "Akoya vs Tink for AI agents, D 48.3 vs B 62.5 | Anchor Terminal", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/akoya-vs-tink" }, "tokens": { "markdown": 2100, "slim": 630 }, "version": 1 }