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

- Canonical: https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data
- Markdown: https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.md (~2,400 tokens)
- Slim: https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.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: 2026-10-09

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.

- 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
- 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

## 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

| Category | Weight | Akoya | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 28 | 15 | Akoya +13 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 70 | 71 | Yodlee Core API +1 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 58 | Akoya +9 |
| Security & auth | 14% (17.5 this run) | 64 | 49 | Akoya +15 |
| Payments & pricing | 10% (12.5 this run) | 10 | 15 | Yodlee Core API +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 33 | 33 | even |
| Transparency & trust | 7% (8.8 this run) | 58 | 53 | Akoya +5 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **48.3 · D** | **41.9 · E** | |

## Facts side by side

| Fact | Akoya | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Akoya LLC | Yodlee, Inc. |
| Hosted endpoint | `https://products.ddp.akoya.com` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | OAuth | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under the Akoya Terms of Use and a signed data access agreement | Proprietary service. The Swagger file on GitHub is MIT |
| Read-only variant documented | yes | no |
| llms.txt | no | no |
| Last release | 2026-08-05 | 2026-07-31 |
| Terms last updated | 2024-12-20 | no document linked |
| Privacy policy last updated | no date given | no document linked |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | yes |  |
| Terms restrict benchmarking | not found in the text |  |
| Terms or service can change without notice | yes |  |
| Arbitration or class-action waiver | not found in the text |  |
| Popularity | none | 17 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.


## For agents

- 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
- 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`
- 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

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- [MX Platform API vs Yodlee Core API](https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md)
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- [Salt Edge Account Information vs Yodlee Core API](https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.md)
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