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Head to head · Bank accounts · October 2026 research run

Akoya vs Yodlee Core API

Akoya scores 48.3 (D) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 4 of 7 scored categories. Yodlee Core API leads on payments & pricing. Both do bank accounts.

AkoyaAkoya LLC · HTTP API D48.3/100#725 of 841 Yodlee Core APIYodlee, Inc. · HTTP API E41.9/100#795 of 841

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

  • Reliability, 28 against 15
  • Agent ergonomics, 67 against 58
  • Security & auth, 64 against 49
  • Transparency & trust, 58 against 53

Also in its favour

  • A hosted endpoint, with nothing to install

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

Yodlee Core API E

Good for A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.

Ahead on

  • Payments & pricing, 15 against 10

Watch for

No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404

Score by category

CategoryWeight this runAkoyaYodlee Core APIEdge
Reliability16%202815Akoya +13
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.27071Yodlee Core API +1
Agent ergonomics13%16.26758Akoya +9
Security & auth14%17.56449Akoya +15
Payments & pricing10%12.51015Yodlee Core API +5
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.83333even
Transparency & trust7%8.85853Akoya +5
Negative events≤1500
Total48.3 · D41.9 · E

Facts side by side

FactAkoyaYodlee Core API
KindHTTP APIHTTP API
VendorAkoya LLCYodlee, Inc.
Hosted endpointhttps://products.ddp.akoya.comno (local only)
TransportsHTTPHTTP
AuthOAuthOAuth
PricingPaidPaid
x402nono
LicenceProprietary service under the Akoya Terms of Use and a signed data access agreementProprietary service. The Swagger file on GitHub is MIT
Read-only variant documentedyesno
llms.txtnono
Last release2026-08-052026-07-31
Terms last updated2024-12-20no document linked
Privacy policy last updatedno date givenno document linked
Customer content may train modelsnot found in the text
Terms restrict automated accessyes
Terms restrict benchmarkingnot found in the text
Terms or service can change without noticeyes
Arbitration or class-action waivernot found in the text
Popularitynone17 stars

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.

Yodlee Core API

A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.

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

Yodlee Core API

  1. Get a token with POST /auth/token, sending Api-Version: 1.1 and the end user's loginName as headers and clientId and secret in a form body. Reuse it for up to 30 minutes
  2. Use the admin loginName only for administrative calls such as webhook subscriptions. A token made with a user's loginName reads only that user's data
  3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there
  4. Page GET /transactions with skip and top (1 to 500). Without dates it returns the last 30 days, and at most two years with fromDate and toDate
  5. A person must link accounts in FastLink 4 first. Then read GET /providerAccounts for link status before GET /accounts
  6. Subscribe to DATA_UPDATES or REFRESH webhooks, or poll GET /dataExtracts/events in windows of at most 60 minutes, and do not poll accounts in a loop

Questions

Which is better for AI agents, Akoya or Yodlee Core API?

Akoya scores 48.3 (D) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 4 of 7 scored categories. Yodlee Core API leads on payments & pricing.

Do Akoya and Yodlee Core API need an API key?

Both use an OAuth sign-in.

Can an agent call Akoya and Yodlee Core API without installing anything?

Akoya has a hosted endpoint at https://products.ddp.akoya.com. No hosted endpoint is listed for Yodlee Core API.

Other comparisons with Akoya or Yodlee Core API

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