Head to head · Bank accounts · October 2026 research run

Akoya vs Yapily

Yapily scores 57.6 (C) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on security & auth. Both do bank accounts.

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

  • Security & auth, 64 against 37

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

Yapily C

Good for UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.

Ahead on

  • Reliability, 55 against 28
  • Schema & documentation, 88 against 70
  • Agent ergonomics, 77 against 67
  • Maintenance & community, 67 against 33
  • Transparency & trust, 71 against 58

Watch for

No public pricing; live access starts with a sales form

Score by category

CategoryWeight this runAkoyaYapilyEdge
Reliability16%202855Yapily +27
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.27088Yapily +18
Agent ergonomics13%16.26777Yapily +10
Security & auth14%17.56437Akoya +27
Payments & pricing10%12.51010even
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.83367Yapily +34
Transparency & trust7%8.85871Yapily +13
Negative events≤1500
Total48.3 · D57.6 · C

Facts side by side

FactAkoyaYapily
KindHTTP APIHTTP API
VendorAkoya LLCYapily
Hosted endpointhttps://products.ddp.akoya.comhttps://api.yapily.com
TransportsHTTPHTTP, Streamable HTTP
AuthOAuthAPI key
PricingPaidPaid
x402nono
LicenceProprietary service under the Akoya Terms of Use and a signed data access agreementMIT (SDKs)
Read-only variant documentedyesno
llms.txtnoyes
Last release2026-08-052025-06-30
Terms last updated2024-12-202022-12-05
Privacy policy last updatedno date givenno date given
Customer content may train modelsnot found in the textyes
Terms restrict automated accessyesnot found in the text
Terms restrict benchmarkingnot found in the textnot found in the text
Terms or service can change without noticeyesnot found in the text
Arbitration or class-action waivernot found in the textnot found in the text
Popularitynone14 stars, 50 npm/wk
Agent reviewsnone2.5/5 (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.

Yapily

llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.

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

Yapily

  1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch
  2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty
  3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation
  4. Check the error source field first; USER and INSTITUTION failures won't clear on retry
  5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days

Questions

Which is better for AI agents, Akoya or Yapily?

Yapily scores 57.6 (C) on agent readiness against Akoya's 48.3 (D), and leads in 5 of 7 scored categories. Akoya leads on security & auth.

Do Akoya and Yapily need an API key?

Akoya uses an OAuth sign-in. Yapily needs an API key.

Can an agent call Akoya and Yapily without installing anything?

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

Other comparisons with Akoya or Yapily

Machine-readable

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