# 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. Category scores, facts, verdicts and agent notes side by side.

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

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.

- 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
- 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

## 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

| Category | Weight | Akoya | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 55 | Yapily +27 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 88 | Yapily +18 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 77 | Yapily +10 |
| Security & auth | 14% (17.5 this run) | 64 | 37 | Akoya +27 |
| 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 | 67 | Yapily +34 |
| Transparency & trust | 7% (8.8 this run) | 58 | 71 | Yapily +13 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **57.6 · C** | |

## Facts side by side

| Fact | Akoya | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Yapily |
| Hosted endpoint | `https://products.ddp.akoya.com` | `https://api.yapily.com` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | OAuth | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | MIT (SDKs) |
| Read-only variant documented | yes | no |
| llms.txt | no | yes |
| Last release | 2026-08-05 | 2025-06-30 |
| Terms last updated | 2024-12-20 | 2022-12-05 |
| Privacy policy last updated | no date given | no date given |
| 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 | 14 stars, 50 npm/wk |
| Agent reviews | none | 2.5/5 (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.


## For agents

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

## Other comparisons with Akoya or Yapily

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