{
  "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": 726,
        "ranked": true,
        "rankOf": 842,
        "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": "2026-10-09T09:44:47.621069904Z",
          "lastOk": true,
          "lastStatus": 403,
          "lastMs": 348,
          "lastNote": "asks for credentials",
          "authRequired": true,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 330,
          "p95ms24h": 352,
          "samples24h": 154,
          "samples30d": 154,
          "days": [
            {
              "date": "2026-10-08",
              "probes": 50,
              "ok": 50
            },
            {
              "date": "2026-10-09",
              "probes": 104,
              "ok": 104
            }
          ]
        },
        "updatedAt": "2026-10-09T09:44:47.621069904Z"
      }
    },
    "answer": "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 \u0026 pricing.",
    "b": {
      "slug": "yodlee-financial-data",
      "name": "Yodlee Core API",
      "vendor": "Yodlee, Inc.",
      "vendorUrl": "https://www.yodlee.com",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "Yodlee's Core API (v1.1) aggregates a consumer's bank, card, investment, loan and insurance accounts for balances, categorised transactions, holdings, statements and account-owner details. Consumers link accounts through the embedded FastLink 4 widget.",
      "url": "https://www.anchorterminal.com/tools/yodlee-financial-data",
      "markdownUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json",
      "repo": "https://github.com/Yodlee/OpenAPI",
      "license": "Proprietary service. The Swagger file on GitHub is MIT",
      "transports": [
        "http"
      ],
      "packages": [],
      "auth": "oauth",
      "authNotes": "Self-serve for the sandbox. Registering on the developer portal gives a `clientId`, a `secret` and an admin `loginName` on the API dashboard. `POST /auth/token` takes the id and secret in a form body and a `loginName` header, and returns a bearer token that lasts 30 minutes and acts for that user, or for the admin on administrative calls. Every call also sends `Api-Version: 1.1`. Each environment (sandbox, development, production) has its own credentials. How production access is granted is not stated in the public docs. Full account numbers and holder details need Yodlee Security Office approval.",
      "pricing": "paid",
      "pricingNotes": "No public price. `/pricing` returns 404 on yodlee.com and on the developer portal, and product pages ask for a demo. The sandbox is free on registration, with five preconfigured users and sample data only, so an agent's owner can test without a contract (checked 2026-10-08).",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the developer docs, the Swagger file or yodlee.com (checked 2026-10-08).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 17,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-08"
      },
      "docsUrl": "https://developer.yodlee.com/resources/yodlee/yodlee-api-overview/docs",
      "openapi": "https://raw.githubusercontent.com/Yodlee/OpenAPI/main/swagger.yaml",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.identity",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "oauth",
        "openapi",
        "sandbox",
        "webhooks",
        "sales-led",
        "closed-source",
        "enterprise",
        "soc2"
      ],
      "lastRelease": "2026-07-31",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 41.9,
        "grade": "E",
        "agentReady": false,
        "rank": 796,
        "ranked": true,
        "rankOf": 842,
        "categoryRank": 12,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 58,
          "maintenance": 33,
          "payments": 15,
          "reliability": 15,
          "schema": 71,
          "security": 49,
          "transparency": 53
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-08"
        },
        "negative": 0,
        "verdict": "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.",
        "bestFor": "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.",
        "strengths": [
          "Public Swagger 2.0 file on GitHub (MIT) with 98 operations, 267 definitions and `Y`-prefixed error codes listed per operation",
          "Access tokens expire after 30 minutes, are bound to one end user's `loginName`, and can be revoked with `DELETE /auth/token`",
          "Free sandbox on registration with five preconfigured test users, per the docs",
          "Consent endpoints list, renew and record open banking consents, and `DELETE /user/unregister` removes a user and their data",
          "The Security FAQ states an annual SOC 2 Type 2 assessment, PCI DSS 4.0.1 Level One certification and yearly third-party penetration tests"
        ],
        "weaknesses": [
          "No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404",
          "No status page, rate limit, 429 guidance, idempotency key or SLA was found in the pages read",
          "No official server SDK. Yodlee's docs tell developers to generate a client from the Swagger file",
          "The Swagger file was last updated on 22 April 2026 to the November 2025 release and lacks fields added in June and July 2026, such as `isCrypto`",
          "The sandbox cannot register new users, and full account numbers and holder details need Yodlee Security Office approval",
          "The privacy notice covers only Yodlee's own consumer services and websites, and no DPA or sub-processor list is public"
        ],
        "agentNotes": [
          "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",
          "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",
          "In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there",
          "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`",
          "A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`",
          "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"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "E",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 41.9
          }
        ],
        "editorialScores": {
          "ergonomics": 58,
          "maintenance": 33,
          "payments": 15,
          "reliability": 15,
          "schema": 71,
          "security": 49,
          "transparency": 32
        },
        "provenanceScore": 73
      },
      "connect": {
        "http": "POST /auth/token\nApi-Version: 1.1\nloginName: \u003cloginName\u003e\nContent-Type: application/x-www-form-urlencoded\n\nclientId=\u003cclientId\u003e\u0026secret=\u003csecret\u003e"
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/yodlee-financial-data"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Yodlee, Inc.",
        "domain": "yodlee.com",
        "domainRegistered": "1999-02-09",
        "endpointOnVendorDomain": null,
        "terms": "",
        "privacy": "",
        "statusPage": "",
        "changelog": "https://developer.yodlee.com/resources/yodlee",
        "securityTxt": "none",
        "checked": "2026-10-08",
        "notes": [
          "The privacy notice names Yodlee, Inc. and its subsidiaries Yodlee Credit, LLC, Yodlee Data Services, LLC and Yodlee Infotech Private Limited. The company page says Yodlee was acquired by Envestnet in 2015 and joined the STG portfolio in 2025.",
          "`terms` is left out. No service agreement or developer terms are published. The Swagger file gives https://developer.yodlee.com/terms/condition as its terms of service, and that address returns 404.",
          "`privacy` is left out. The privacy notice at https://www.yodlee.com/legal/privacy-notice says it applies to Yodlee's direct-to-consumer services and websites, and that a client's own privacy practices apply to services delivered through a Yodlee client, which is how API data is handled.",
          "`endpointOnVendorDomain` is null. The public docs print API paths without a host, and the host is given with the credentials on a dashboard we did not read.",
          "No status page is linked from yodlee.com or the developer portal, and status.yodlee.com did not answer.",
          "https://www.yodlee.com/.well-known/security.txt returns the home page, and the same path on developer.yodlee.com returns 404.",
          "Verisign's RDAP server gives a registration date of 1999-02-09 and CSC Corporate Domains, Inc. as registrar."
        ],
        "score": 73
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.json"
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Akoya LLC",
        "b": "Yodlee, Inc.",
        "name": "Vendor"
      },
      {
        "a": "https://products.ddp.akoya.com",
        "b": "no (local only)",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP",
        "b": "HTTP",
        "name": "Transports"
      },
      {
        "a": "OAuth",
        "b": "OAuth",
        "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": "Proprietary service. The Swagger file on GitHub is MIT",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "no",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-08-05",
        "b": "2026-07-31",
        "name": "Last release"
      },
      {
        "a": "2024-12-20",
        "b": "no document linked",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "no document linked",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Customer content may train models"
      },
      {
        "a": "yes",
        "b": "",
        "name": "Terms restrict automated access"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "yes",
        "b": "",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "none",
        "b": "17 stars",
        "name": "Popularity"
      }
    ],
    "faq": [
      {
        "answer": "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 \u0026 pricing.",
        "question": "Which is better for AI agents, Akoya or Yodlee Core API?"
      },
      {
        "answer": "Both use an OAuth sign-in.",
        "question": "Do Akoya and Yodlee Core API need an API key?"
      },
      {
        "answer": "Akoya has a hosted endpoint at https://products.ddp.akoya.com. No hosted endpoint is listed for Yodlee Core API.",
        "question": "Can an agent call Akoya and Yodlee Core API without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 28 against 15",
          "Agent ergonomics, 67 against 58",
          "Security \u0026 auth, 64 against 49",
          "Transparency \u0026 trust, 58 against 53"
        ],
        "also": [
          "A hosted endpoint, with nothing to install"
        ],
        "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": [
          "Payments \u0026 pricing, 15 against 10"
        ],
        "also": null,
        "goodFor": "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.",
        "slug": "yodlee-financial-data",
        "watchFor": "No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404"
      }
    ],
    "job": {
      "capability": "bank.accounts",
      "name": "Bank accounts"
    },
    "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/akoya-vs-yapily.json",
        "title": "Akoya vs Yapily",
        "url": "https://www.anchorterminal.com/compare/akoya-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.json",
        "title": "Belvo vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.json",
        "title": "Enable Banking vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.json",
        "title": "Flinks vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.json",
        "title": "GoCardless Bank Account Data vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.json",
        "title": "MX Platform API vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.json",
        "title": "Plaid vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.json",
        "title": "Salt Edge Account Information vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.json",
        "title": "Teller vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.json",
        "title": "Tink vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.json",
        "title": "TrueLayer vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.json",
        "title": "Yapily vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data"
      }
    ],
    "scores": [
      {
        "akoya": 28,
        "by": 13,
        "edge": "akoya",
        "key": "reliability",
        "name": "Reliability",
        "weight": 16,
        "yodlee-financial-data": 15
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "akoya": 70,
        "by": 1,
        "edge": "yodlee-financial-data",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "weight": 13,
        "yodlee-financial-data": 71
      },
      {
        "akoya": 67,
        "by": 9,
        "edge": "akoya",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "weight": 13,
        "yodlee-financial-data": 58
      },
      {
        "akoya": 64,
        "by": 15,
        "edge": "akoya",
        "key": "security",
        "name": "Security \u0026 auth",
        "weight": 14,
        "yodlee-financial-data": 49
      },
      {
        "akoya": 10,
        "by": 5,
        "edge": "yodlee-financial-data",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "weight": 10,
        "yodlee-financial-data": 15
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "akoya": 33,
        "by": 0,
        "edge": "",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "weight": 7,
        "yodlee-financial-data": 33
      },
      {
        "akoya": 58,
        "by": 5,
        "edge": "akoya",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "weight": 7,
        "yodlee-financial-data": 53
      }
    ],
    "summary": "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 \u0026 pricing. 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.",
      "yodlee-financial-data": "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."
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  "markdown": "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 \u0026 pricing. Both do bank accounts.\n\n- Akoya: grade D, 48.3/100, rank #726 of 842. Markdown https://www.anchorterminal.com/tools/akoya.md · JSON https://www.anchorterminal.com/api/v1/tools/akoya.json\n- Yodlee Core API: grade E, 41.9/100, rank #796 of 842. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.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- Reliability, 28 against 15\n- Agent ergonomics, 67 against 58\n- Security \u0026 auth, 64 against 49\n- Transparency \u0026 trust, 58 against 53\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\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### Yodlee Core API (E)\n\nGood 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.\n\nAhead on:\n- Payments \u0026 pricing, 15 against 10\n\nWatch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404\n\n\n## Score by category\n\n| Category | Weight | Akoya | Yodlee Core API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 28 | 15 | Akoya +13 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 70 | 71 | Yodlee Core API +1 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 58 | Akoya +9 |\n| Security \u0026 auth | 14% (17.5 this run) | 64 | 49 | Akoya +15 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 15 | Yodlee Core API +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 33 | 33 | even |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 53 | Akoya +5 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **48.3 · D** | **41.9 · E** | |\n\n## Facts side by side\n\n| Fact | Akoya | Yodlee Core API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Akoya LLC | Yodlee, Inc. |\n| Hosted endpoint | `https://products.ddp.akoya.com` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | Proprietary service. The Swagger file on GitHub is MIT |\n| Read-only variant documented | yes | no |\n| llms.txt | no | no |\n| Last release | 2026-08-05 | 2026-07-31 |\n| Terms last updated | 2024-12-20 | no document linked |\n| Privacy policy last updated | no date given | no document linked |\n| Customer content may train models | not found in the text |  |\n| Terms restrict automated access | yes |  |\n| Terms restrict benchmarking | not found in the text |  |\n| Terms or service can change without notice | yes |  |\n| Arbitration or class-action waiver | not found in the text |  |\n| Popularity | none | 17 stars |\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**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.\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### Yodlee Core API\n\n1. 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\n2. 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\n3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there\n4. 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`\n5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`\n6. 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\n\n## Questions\n\n### Which is better for AI agents, Akoya or Yodlee Core API?\n\nAkoya 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 \u0026 pricing.\n\n### Do Akoya and Yodlee Core API need an API key?\n\nBoth use an OAuth sign-in.\n\n### Can an agent call Akoya and Yodlee Core API without installing anything?\n\nAkoya has a hosted endpoint at https://products.ddp.akoya.com. No hosted endpoint is listed for Yodlee Core API.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"akoya\", \"b\": \"yodlee-financial-data\"}`. From a terminal: `anchor compare akoya yodlee-financial-data`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/akoya.json and https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json\n\n## Other comparisons with Akoya or Yodlee Core API\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- [Akoya vs Yapily](https://www.anchorterminal.com/compare/akoya-vs-yapily.md)\n- [Belvo vs Yodlee Core API](https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.md)\n- [Enable Banking vs Yodlee Core API](https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.md)\n- [Flinks vs Yodlee Core API](https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.md)\n- [GoCardless Bank Account Data vs Yodlee Core API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.md)\n- [MX Platform API vs Yodlee Core API](https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md)\n- [Plaid vs Yodlee Core API](https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.md)\n- [Salt Edge Account Information vs Yodlee Core API](https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.md)\n- [Teller vs Yodlee Core API](https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.md)\n- [Tink vs Yodlee Core API](https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.md)\n- [TrueLayer vs Yodlee Core API](https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.md)\n- [Yapily vs Yodlee Core API](https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.md)\n",
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      {
        "name": "Akoya vs Yodlee Core API",
        "url": ""
      }
    ],
    "description": "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 \u0026 pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.",
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      "Akoya D 48.3",
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    "image": "https://www.anchorterminal.com/assets/og/compare-akoya-vs-yodlee-financial-data.png",
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    "section": "tools",
    "title": "Akoya vs Yodlee Core API for AI agents, D 48.3 vs E 41.9",
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    "url": "https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data"
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