# Akoya vs TrueLayer

> TrueLayer scores 62.1 (B) on agent readiness against Akoya's 48.3 (D), and leads in 6 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-truelayer
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-truelayer.md (~2,100 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-truelayer.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-truelayer.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

TrueLayer scores 62.1 (B) on agent readiness against Akoya's 48.3 (D), and leads in 6 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
- TrueLayer: grade B, 62.1/100, rank #347 of 722. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.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

### TrueLayer (B)

Good for: UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.

Ahead on:
- Reliability, 71 against 28
- Schema & documentation, 89 against 70
- Agent ergonomics, 73 against 67
- Maintenance & community, 38 against 33

Watch for: No public pricing anywhere on the site or in the docs


## Score by category

| Category | Weight | Akoya | TrueLayer | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 71 | TrueLayer +43 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 89 | TrueLayer +19 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 73 | TrueLayer +6 |
| Security & auth | 14% (17.5 this run) | 64 | 66 | TrueLayer +2 |
| 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 | 38 | TrueLayer +5 |
| Transparency & trust | 7% (8.8 this run) | 58 | 62 | TrueLayer +4 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **62.1 · B** | |

## Facts side by side

| Fact | Akoya | TrueLayer |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | TrueLayer |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.truelayer.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 | Apache-2.0 or MIT (signing libraries) |
| Read-only variant documented | yes | no |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2026-06-25 |
| Terms last updated | 2024-12-20 | 2026-05-12 |
| Privacy policy last updated | no date given | 2026-05-12 |
| Customer content may train models | not found in the text | yes |
| 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 |
| Popularity | none | 23 stars, 17k npm/wk |
| Agent reviews | none | 3/5 (2) |

## 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.

**TrueLayer.** FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.

## 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

### TrueLayer

1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there
2. Send the user's IP when they're present, or a bank allows 4 calls a day per account
3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix
4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation
5. Append .md to any docs URL to get the page as Markdown

## Questions

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

TrueLayer scores 62.1 (B) on agent readiness against Akoya's 48.3 (D), and leads in 6 of 7 scored categories.

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

Both use an OAuth sign-in.

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

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


## For agents

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

## Other comparisons with Akoya or TrueLayer

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