# Basiq vs Belvo

> Belvo scores 63.5 (B) to Basiq's 60.4 (C) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/basiq-vs-belvo
- Markdown: https://www.anchorterminal.com/compare/basiq-vs-belvo.md (~2,450 tokens)
- Slim: https://www.anchorterminal.com/compare/basiq-vs-belvo.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/basiq-vs-belvo.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

Belvo scores 63.5 (B) on agent readiness against Basiq's 60.4 (C), and leads in 3 of 7 scored categories. Basiq leads on maintenance & community and transparency & trust. Both do bank account data.

- Basiq: grade C, 60.4/100, rank #515 of 950. Markdown https://www.anchorterminal.com/tools/basiq.md · JSON https://www.anchorterminal.com/api/v1/tools/basiq.json
- Belvo: grade B, 63.5/100, rank #391 of 950. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json
- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md
- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md

## Which one, for what

### Basiq (C)

Good for: Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.

Ahead on:
- Maintenance & community, 48 against 30
- Transparency & trust, 72 against 64

Watch for: Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published

### Belvo (B)

Good for: Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.

Ahead on:
- Reliability, 84 against 70
- Agent ergonomics, 80 against 62

Watch for: Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month


## Score by category

| Category | Weight | Basiq | Belvo | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 70 | 84 | Belvo +14 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 84 | 80 | Basiq +4 |
| Agent ergonomics | 13% (16.2 this run) | 62 | 80 | Belvo +18 |
| Security & auth | 14% (17.5 this run) | 55 | 57 | Belvo +2 |
| Payments & pricing | 10% (12.5 this run) | 20 | 20 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 48 | 30 | Basiq +18 |
| Transparency & trust | 7% (8.8 this run) | 72 | 64 | Basiq +8 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **60.4 · C** | **63.5 · B** | |

## Facts side by side

| Fact | Basiq | Belvo |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Basiq Pty Ltd (Cuscal Limited) | Belvo |
| Hosted endpoint | `https://au-api.basiq.io` | `https://api.belvo.com` |
| Transports | HTTP, Streamable HTTP | HTTP |
| Auth | API key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under the Basiq Terms of Service. The public docs repository carries no licence file, and the OpenAPI files state the licence as Commercial | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-09-30 | 2026-08-10 |
| Terms last updated | no date given | 2025-01-10 |
| Privacy policy last updated | no date given | 2021-02-22 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | yes | not found in the text |
| Terms or service can change without notice | not found in the text | yes |
| Arbitration or class-action waiver | not found in the text | not found in the text |
| Popularity | none | 1.1k npm/wk, 240 PyPI/wk |

## Verdicts

**Basiq.** Ten public OpenAPI files, an llms.txt index with Markdown twins and a free self-serve sandbox let an agent start on test data. Live access needs a 12-month plan with an unpublished platform access fee, no SLA or security.txt was found, and the privacy policy says collected content may be kept indefinitely.

**Belvo.** Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.

## Before you call either

### Basiq

1. Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.
2. Send `basiq-version: 3.0` on the token request, cache the bearer token for its 60 minutes, and stay under 1,500 token requests per 5 minutes.
3. Send the account holder through the hosted Consent UI in a browser with a `CLIENT_ACCESS` token bound to their `userId`. The API alone cannot create a first connection on version 3.0.
4. Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.
5. Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh.

### Belvo

1. Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys
2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes
3. Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts
4. Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`
5. Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute

## Questions

### Which is better for AI agents, Basiq or Belvo?

Belvo scores 63.5 (B) on agent readiness against Basiq's 60.4 (C), and leads in 3 of 7 scored categories. Basiq leads on maintenance & community and transparency & trust.

### Do Basiq and Belvo need an API key?

Both need an API key.

### Can an agent call Basiq and Belvo without installing anything?

Yes. Basiq has a hosted endpoint at https://au-api.basiq.io and Belvo at https://api.belvo.com.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-belvo.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-belvo.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "basiq", "b": "belvo"}`. From a terminal: `anchor compare basiq belvo`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/belvo.json

## Other comparisons with Basiq or Belvo

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