# Akoya vs Tink

> 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.

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-tink
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-tink.md (~2,100 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-tink.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-tink.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

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.

- 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
- 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

## 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

### Tink (B)

Good for: A company with a contract that needs account, balance and transaction data or bank payments across European markets under Tink's own licences.

Ahead on:
- Reliability, 62 against 28
- Agent ergonomics, 74 against 67
- Maintenance & community, 69 against 33
- Transparency & trust, 90 against 58

Watch 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


## Score by category

| Category | Weight | Akoya | Tink | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 62 | Tink +34 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 73 | Tink +3 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 74 | Tink +7 |
| Security & auth | 14% (17.5 this run) | 64 | 63 | Akoya +1 |
| 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 | 69 | Tink +36 |
| Transparency & trust | 7% (8.8 this run) | 58 | 90 | Tink +32 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **62.5 · B** | |

## Facts side by side

| Fact | Akoya | Tink |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Tink AB (Visa) |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.tink.com` |
| Transports | HTTP | HTTP |
| Auth | OAuth | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| 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 |
| Read-only variant documented | yes | no |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2026-09-15 |
| Terms last updated | 2024-12-20 |  |
| Privacy policy last updated | no date given |  |
| 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 |  |

## 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.

## 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

### Tink

1. 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.
2. Renew tokens on a timer. Client tokens last 30 minutes and user tokens two hours, and the client credentials flow returns no refresh token.
3. Send the account holder through Tink Link in a browser. Bank consent cannot be completed by API calls alone.
4. Read transactions from /data/v2/transactions with `pageSize` up to 100 and follow `nextPageToken`.
5. Send an Idempotency-Key header on consent and payment writes. Keys are kept for 24 hours.

## Questions

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

Tink scores 62.5 (B) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories.

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

Both use an OAuth sign-in.

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

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Tink at https://api.tink.com.


## For agents

- 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
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "akoya", "b": "tink"}`. From a terminal: `anchor compare akoya tink`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/tink.json

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- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)
- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)
- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)