{
  "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": "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 \u0026 auth.",
    "b": {
      "slug": "yapily",
      "name": "Yapily",
      "vendor": "Yapily",
      "vendorUrl": "https://www.yapily.com",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "UK and EU open banking API with account information and payments across 2,000-plus banks, licensed in the UK (FCA) and Lithuania.",
      "url": "https://www.anchorterminal.com/tools/yapily",
      "markdownUrl": "https://www.anchorterminal.com/tools/yapily.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/yapily.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/yapily.json",
      "repo": "https://github.com/yapily/yapily-sdk-nodejs",
      "license": "MIT (SDKs)",
      "transports": [
        "http",
        "streamable-http"
      ],
      "remoteUrl": "https://api.yapily.com",
      "packages": [
        {
          "registry": "npm",
          "name": "@yapily/yapily-api"
        }
      ],
      "auth": "api-key",
      "authNotes": "HTTP basic auth with the application id as the username and the application secret as the password, downloaded as a JSON file from the Console. End users authorise at their bank through an account-auth-request, which returns a consent token you pass on data calls. The docs MCP server at docs.yapily.com/mcp needs no auth at all, because it only searches the documentation.",
      "pricing": "paid",
      "pricingNotes": "No published prices. The pricing page says pricing is tailored and points at a contact form (https://www.yapily.com/pricing). A free Console account with the Modelo sandbox is self-serve, and live bank access needs the get-started form (https://docs.yapily.com/getting-started/get-started.md).",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 14,
        "npmWeekly": 50,
        "pypiWeekly": null,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.yapily.com",
      "llmsTxt": "https://docs.yapily.com/llms.txt",
      "openapi": "https://docs.yapily.com/openapi-converted.json",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.identity",
        "bank.payments",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "llms-txt",
        "openapi",
        "mcp",
        "uk",
        "eu",
        "webhooks",
        "enterprise",
        "closed-source"
      ],
      "lastRelease": "2025-06-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 57.6,
        "grade": "C",
        "agentReady": false,
        "rank": 469,
        "ranked": true,
        "rankOf": 722,
        "categoryRank": 6,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 77,
          "maintenance": 67,
          "payments": 10,
          "reliability": 55,
          "schema": 88,
          "security": 37,
          "transparency": 71
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "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.",
        "bestFor": "UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.",
        "strengths": [
          "llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file",
          "Error bodies carry a source of USER, INSTITUTION or YAPILY and a tracingId",
          "Changelog with ten dated entries from July to September 2026, breaking changes flagged",
          "Public subprocessor list with locations, primary hosting in London",
          "Transactions take from, before, limit up to 1,000 and sort"
        ],
        "weaknesses": [
          "No public pricing; live access starts with a sales form",
          "No security.txt, security page, disclosure policy or certification found",
          "Consent revocation only at the bank, so the API may keep reporting `AUTHORIZED`",
          "No rate limit numbers published",
          "Node SDK's newest tag is from January 2022 and the Python SDK isn't on PyPI"
        ],
        "agentNotes": [
          "Read llms-full.txt once and cache it; it's the whole documentation in one fetch",
          "Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty",
          "Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation",
          "Check the error source field first; USER and INSTITUTION failures won't clear on retry",
          "In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 2.5,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "C",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 57.6
          }
        ],
        "editorialScores": {
          "ergonomics": 77,
          "maintenance": 67,
          "payments": 10,
          "reliability": 55,
          "schema": 88,
          "security": 37,
          "transparency": 70
        },
        "provenanceScore": 72
      },
      "connect": {
        "http": "curl -u \"$YAPILY_APPLICATION_ID:$YAPILY_APPLICATION_SECRET\" https://api.yapily.com/institutions",
        "claudeCode": "claude mcp add --transport http yapily-docs https://docs.yapily.com/mcp",
        "config": {
          "mcpServers": {
            "yapily-docs": {
              "type": "http",
              "url": "https://docs.yapily.com/mcp"
            }
          }
        }
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/yapily"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Yapily Ltd",
        "domain": "yapily.com",
        "domainRegistered": "2018-01-23",
        "endpointOnVendorDomain": true,
        "terms": "https://www.yapily.com/legal/website-terms-of-use",
        "privacy": "https://www.yapily.com/legal/privacy-policy",
        "statusPage": "https://status.yapily.com",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-09-30",
        "notes": [
          "Yapily Ltd, company 10842280, 66 Paul Street, London EC2A 4NA, is unregulated; Yapily Connect Ltd (company 11598433, FCA 827001) and Yapily Connect UAB (company 305602679, Bank of Lithuania LB002045) hold the licences.",
          "The customer contract is the Data Handling Agreement at yapily.com/legal/data-handling-agreement; the website terms are what's public.",
          "www.yapily.com/.well-known/security.txt returns 404.",
          "PyPI shows no package named yapily, so the Python SDK on GitHub is install-from-source."
        ],
        "score": 72
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/yapily.json",
      "live": {
        "slug": "yapily",
        "probe": {
          "target": "https://api.yapily.com",
          "method": "get",
          "lastAt": "2026-10-08T21:12:26.310483698Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 144,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 155,
          "p95ms24h": 208,
          "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://status.yapily.com",
          "indicator": "minor",
          "summary": "Partial System Degradation",
          "checkedAt": "2026-10-08T21:06:31.487356449Z"
        },
        "versions": [
          {
            "registry": "npm",
            "name": "@yapily/yapily-api",
            "version": "8.0.0",
            "seenAt": "2026-10-08T16:35:26.747544649Z"
          }
        ],
        "githubStars": 14,
        "npmWeekly": 22,
        "securityTxt": {
          "url": "https://yapily.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-08T15:38:35.811465168Z"
        },
        "llmsTxt": {
          "url": "https://docs.yapily.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-08T14:01:01.322319474Z"
        },
        "domain": {
          "domain": "yapily.com",
          "registered": "2018-01-23",
          "source": "https://rdap.verisign.com/com/v1/domain/yapily.com",
          "checkedAt": "2026-10-04T13:06:12.962175252Z"
        },
        "pages": [
          {
            "url": "https://www.yapily.com/pricing",
            "kind": "pricing",
            "status": 200,
            "checkedAt": "2026-10-08T18:31:48.693270296Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "c34d3588f2f9"
          },
          {
            "url": "https://www.yapily.com/legal/privacy-policy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-08T18:31:44.605800531Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "64008fcb9142"
          },
          {
            "url": "https://www.yapily.com/legal/website-terms-of-use",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-08T18:31:46.688285246Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "ef27f376f484"
          }
        ],
        "updatedAt": "2026-10-08T21:12:26.310483698Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Akoya LLC",
        "b": "Yapily",
        "name": "Vendor"
      },
      {
        "a": "https://products.ddp.akoya.com",
        "b": "https://api.yapily.com",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP",
        "b": "HTTP, Streamable 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": "MIT (SDKs)",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "no",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-08-05",
        "b": "2025-06-30",
        "name": "Last release"
      },
      {
        "a": "2024-12-20",
        "b": "2022-12-05",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "no date given",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "yes",
        "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": "not found in the text",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "yes",
        "b": "not found in the text",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "none",
        "b": "14 stars, 50 npm/wk",
        "name": "Popularity"
      },
      {
        "a": "none",
        "b": "2.5/5 (2)",
        "name": "Agent reviews"
      }
    ],
    "faq": [
      {
        "answer": "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 \u0026 auth.",
        "question": "Which is better for AI agents, Akoya or Yapily?"
      },
      {
        "answer": "Akoya uses an OAuth sign-in. Yapily needs an API key.",
        "question": "Do Akoya and Yapily need an API key?"
      },
      {
        "answer": "Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Yapily at https://api.yapily.com.",
        "question": "Can an agent call Akoya and Yapily without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Security \u0026 auth, 64 against 37"
        ],
        "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, 55 against 28",
          "Schema \u0026 documentation, 88 against 70",
          "Agent ergonomics, 77 against 67",
          "Maintenance \u0026 community, 67 against 33",
          "Transparency \u0026 trust, 71 against 58"
        ],
        "also": null,
        "goodFor": "UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.",
        "slug": "yapily",
        "watchFor": "No public pricing; live access starts with a sales form"
      }
    ],
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      "capability": "bank.accounts",
      "name": "Bank accounts"
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    "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-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/belvo-vs-yapily.json",
        "title": "Belvo vs Yapily",
        "url": "https://www.anchorterminal.com/compare/belvo-vs-yapily"
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      {
        "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily.json",
        "title": "Enable Banking vs Yapily",
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      },
      {
        "json": "https://www.anchorterminal.com/compare/flinks-vs-yapily.json",
        "title": "Flinks vs Yapily",
        "url": "https://www.anchorterminal.com/compare/flinks-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.json",
        "title": "GoCardless Bank Account Data vs Yapily",
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        "json": "https://www.anchorterminal.com/compare/plaid-vs-yapily.json",
        "title": "Plaid vs Yapily",
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      {
        "json": "https://www.anchorterminal.com/compare/salt-edge-vs-yapily.json",
        "title": "Salt Edge Account Information vs Yapily",
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      },
      {
        "json": "https://www.anchorterminal.com/compare/teller-vs-yapily.json",
        "title": "Teller vs Yapily",
        "url": "https://www.anchorterminal.com/compare/teller-vs-yapily"
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      {
        "json": "https://www.anchorterminal.com/compare/tink-vs-yapily.json",
        "title": "Tink vs Yapily",
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      {
        "json": "https://www.anchorterminal.com/compare/truelayer-vs-yapily.json",
        "title": "TrueLayer vs Yapily",
        "url": "https://www.anchorterminal.com/compare/truelayer-vs-yapily"
      }
    ],
    "scores": [
      {
        "akoya": 28,
        "by": 27,
        "edge": "yapily",
        "key": "reliability",
        "name": "Reliability",
        "weight": 16,
        "yapily": 55
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "akoya": 70,
        "by": 18,
        "edge": "yapily",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "weight": 13,
        "yapily": 88
      },
      {
        "akoya": 67,
        "by": 10,
        "edge": "yapily",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "weight": 13,
        "yapily": 77
      },
      {
        "akoya": 64,
        "by": 27,
        "edge": "akoya",
        "key": "security",
        "name": "Security \u0026 auth",
        "weight": 14,
        "yapily": 37
      },
      {
        "akoya": 10,
        "by": 0,
        "edge": "",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "weight": 10,
        "yapily": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "akoya": 33,
        "by": 34,
        "edge": "yapily",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "weight": 7,
        "yapily": 67
      },
      {
        "akoya": 58,
        "by": 13,
        "edge": "yapily",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "weight": 7,
        "yapily": 71
      }
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    "summary": "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 \u0026 auth. 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.",
      "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."
    }
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  "markdown": "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 \u0026 auth. 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- Yapily: grade C, 57.6/100, rank #469 of 722. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.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- Security \u0026 auth, 64 against 37\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### Yapily (C)\n\nGood for: UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.\n\nAhead on:\n- Reliability, 55 against 28\n- Schema \u0026 documentation, 88 against 70\n- Agent ergonomics, 77 against 67\n- Maintenance \u0026 community, 67 against 33\n- Transparency \u0026 trust, 71 against 58\n\nWatch for: No public pricing; live access starts with a sales form\n\n\n## Score by category\n\n| Category | Weight | Akoya | Yapily | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 28 | 55 | Yapily +27 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 70 | 88 | Yapily +18 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 77 | Yapily +10 |\n| Security \u0026 auth | 14% (17.5 this run) | 64 | 37 | Akoya +27 |\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 | 67 | Yapily +34 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 71 | Yapily +13 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **48.3 · D** | **57.6 · C** | |\n\n## Facts side by side\n\n| Fact | Akoya | Yapily |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Akoya LLC | Yapily |\n| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.yapily.com` |\n| Transports | HTTP | HTTP, Streamable 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 | MIT (SDKs) |\n| Read-only variant documented | yes | no |\n| llms.txt | no | yes |\n| Last release | 2026-08-05 | 2025-06-30 |\n| Terms last updated | 2024-12-20 | 2022-12-05 |\n| Privacy policy last updated | no date given | no date given |\n| Customer content may train models | not found in the text | yes |\n| Terms restrict automated access | yes | not found in the text |\n| Terms restrict benchmarking | not found in the text | not found in the text |\n| Terms or service can change without notice | yes | not found in the text |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\n| Popularity | none | 14 stars, 50 npm/wk |\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**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.\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### Yapily\n\n1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch\n2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty\n3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation\n4. Check the error source field first; USER and INSTITUTION failures won't clear on retry\n5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days\n\n## Questions\n\n### Which is better for AI agents, Akoya or Yapily?\n\nYapily 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 \u0026 auth.\n\n### Do Akoya and Yapily need an API key?\n\nAkoya uses an OAuth sign-in. Yapily needs an API key.\n\n### Can an agent call Akoya and Yapily without installing anything?\n\nYes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Yapily at https://api.yapily.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/akoya-vs-yapily.json, and with the fewest tokens: https://www.anchorterminal.com/compare/akoya-vs-yapily.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"akoya\", \"b\": \"yapily\"}`. From a terminal: `anchor compare akoya yapily`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/yapily.json\n\n## Other comparisons with Akoya or Yapily\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 Tink](https://www.anchorterminal.com/compare/akoya-vs-tink.md)\n- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)\n- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)\n- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)\n- [Flinks vs Yapily](https://www.anchorterminal.com/compare/flinks-vs-yapily.md)\n- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)\n- [MX Platform API vs Yapily](https://www.anchorterminal.com/compare/mx-vs-yapily.md)\n- [Plaid vs Yapily](https://www.anchorterminal.com/compare/plaid-vs-yapily.md)\n- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)\n- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)\n- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)\n",
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    "docs": "https://www.anchorterminal.com/docs/",
    "generatedAt": "2026-10-08",
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    "description": "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 \u0026 auth. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.",
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