{
  "data": {
    "a": {
      "slug": "basiq",
      "name": "Basiq",
      "vendor": "Basiq Pty Ltd (Cuscal Limited)",
      "vendorUrl": "https://www.basiq.io",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "Basiq is an Australian open banking platform owned by Cuscal Limited. Its REST API reads accounts, transactions and identity details from Australian and New Zealand institutions with the holder's consent, and builds income, expense and affordability reports.",
      "url": "https://www.anchorterminal.com/tools/basiq",
      "markdownUrl": "https://www.anchorterminal.com/tools/basiq.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/basiq.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/basiq.json",
      "repo": "https://github.com/basiqio-oss/Basiq-docs",
      "license": "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",
      "transports": [
        "http",
        "streamable-http"
      ],
      "remoteUrl": "https://au-api.basiq.io",
      "packages": [],
      "auth": "api-key",
      "authNotes": "A self-serve API key from the dashboard at dashboard.basiq.io, sent verbatim (not Base64-encoded) as `Authorization: Basic \u003ckey\u003e` to `POST /token` with a `basiq-version: 3.0` header. The call returns a bearer token that lasts 60 minutes. Scope `SERVER_ACCESS` covers server calls and `CLIENT_ACCESS`, bound to one `userId`, is for the hosted Consent UI. An application can hold many named keys, each revocable, and permission sets limit a key to chosen endpoints. The docs advise rotating keys every 90 days. Dashboard logins support 2FA by text message and SAML single sign-on on request. Live Open Banking data is switched on by Basiq's customer success team after a contract. The MCP server at api.basiq.io/mcp listed its tools with no credential, and its `execute-request` tool takes API credentials as headers set in the MCP client.",
      "pricing": "paid",
      "pricingNotes": "$0.50 per user per month for customer data plus a platform access fee with no published amount, $0.25 per user per month for enrichment and from $3.00 per affordability report (https://www.basiq.io/pricing.html, checked 2026-10-09). The home page does not link that page, so the figures may be out of date. The page does not state the currency, and the Terms of Service say all amounts are in Australian dollars. A user is billable for the full month once created. Plans run for at least 12 months and volume discounts go through sales. The sandbox is free and self-serve from the dashboard, with no card mentioned, so an agent's owner can start on test data without a contract. The pricing page is not linked from the site pages we read.",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the docs index, the ten OpenAPI files or the pricing page (checked 2026-10-09).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-09"
      },
      "docsUrl": "https://api.basiq.io/docs",
      "llmsTxt": "https://api.basiq.io/llms.txt",
      "openapi": "https://raw.githubusercontent.com/basiqio-oss/Basiq-docs/refs/heads/v3.0/reference/connect.json",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.identity",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "api-key",
        "openapi",
        "llms-txt",
        "mcp",
        "webhooks",
        "sandbox",
        "australia",
        "new-zealand",
        "status-page",
        "closed-source"
      ],
      "lastRelease": "2026-09-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 60.4,
        "grade": "C",
        "agentReady": false,
        "rank": 515,
        "ranked": true,
        "rankOf": 950,
        "categoryRank": 6,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 62,
          "maintenance": 48,
          "payments": 20,
          "reliability": 70,
          "schema": 84,
          "security": 55,
          "transparency": 72
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-09"
        },
        "negative": 0,
        "verdict": "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.",
        "bestFor": "Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.",
        "strengths": [
          "Ten OpenAPI 3.0 files are public in the `basiqio-oss/Basiq-docs` repository, 73 operations in all, and every reference page has a Markdown twin listed in llms.txt",
          "The sandbox is free and self-serve from the dashboard, with a test bank named Hooli and an Open Banking flow that covers authorise, extend, refresh and revoke",
          "API keys are created, named and revoked in the dashboard, permission sets limit a key to chosen endpoints, and access tokens expire after 60 minutes",
          "The CDR Policy names the outsourced service providers and says data is stored in AWS data centres in Sydney and Melbourne",
          "Error bodies carry a `correlationId`, a string `code`, a `title`, a `detail` and a `source` pointer, with the codes listed by HTTP status in the docs"
        ],
        "weaknesses": [
          "Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published",
          "No SLA was found, and the Terms of Service say Basiq does not warrant uninterrupted service",
          "The privacy policy says collected content may be retained indefinitely after an account ends, while the docs security page says data is deleted at once",
          "No security.txt, disclosure policy or bug bounty was found, and the accreditation logos on the data security page carry no text",
          "No idempotency keys or `Retry-After` header are documented, and no official SDK is published. The docs say to generate one from the OpenAPI files"
        ],
        "agentNotes": [
          "Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.",
          "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.",
          "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.",
          "Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.",
          "Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh."
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "C",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 60.4
          }
        ],
        "editorialScores": {
          "ergonomics": 62,
          "maintenance": 48,
          "payments": 20,
          "reliability": 70,
          "schema": 84,
          "security": 55,
          "transparency": 61
        },
        "provenanceScore": 83
      },
      "connect": {
        "http": "curl --location --request POST 'https://au-api.basiq.io/token' \\\n  --header 'Authorization: Basic $YOUR_API_KEY' \\\n  --header 'Content-Type: application/x-www-form-urlencoded' \\\n  --header 'basiq-version: 3.0' \\\n  --data-urlencode 'scope=SERVER_ACCESS'",
        "config": {
          "mcpServers": {
            "basiq": {
              "url": "https://api.basiq.io/mcp"
            }
          }
        }
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/basiq"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Basiq Pty Ltd",
        "domain": "basiq.io",
        "domainRegistered": "2015-10-08",
        "endpointOnVendorDomain": true,
        "terms": "https://docs.basiq.io/en/articles/415750-basiq-terms-of-service",
        "privacy": "https://docs.basiq.io/en/articles/382581-basiq-privacy-policy",
        "statusPage": "https://status.basiq.io",
        "changelog": "https://api.basiq.io/changelog",
        "securityTxt": "none",
        "checked": "2026-10-09",
        "notes": [
          "The site footer names Basiq Pty Ltd, ABN 95 616 592 011, a wholly owned but non-guaranteed subsidiary of Cuscal Limited, ABN 95 087 822 455, and gives the Consumer Data Right accreditation number ADRBNK000208.",
          "The terms link is the Basiq Terms of Service, dated 27 August 2025 on the help centre, which govern the platform, SDK and APIs and carry the SDK licence as Schedule 1.",
          "The privacy link is the Basiq Privacy Policy, dated 4 November 2025. A separate Consumer Data Right (CDR) Policy, dated 8 September 2026, covers data received under that regime.",
          "The API answers at au-api.basiq.io, the docs and MCP server at api.basiq.io, the Consent UI at consent.basiq.io and the dashboard at dashboard.basiq.io, all under basiq.io.",
          "www.basiq.io/.well-known/security.txt returns 404, and www.basiq.io has no robots.txt.",
          "status.basiq.io runs on Atlassian Statuspage. Its robots.txt disallows `/api/`, so the record was read from the page and the Atom feed it links.",
          "The registry's RDAP record gives 2015-10-08 as the registration date of basiq.io and Name.com, Inc. as registrar. The privacy policy gives PO Box Q279, Queen Victoria Building NSW 1230."
        ],
        "score": 83
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/basiq.json",
      "live": {
        "slug": "basiq",
        "probe": {
          "target": "https://au-api.basiq.io",
          "method": "get",
          "lastAt": "2026-10-10T02:54:48.049473771Z",
          "lastOk": true,
          "lastStatus": 200,
          "lastMs": 841,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 849,
          "p95ms24h": 941,
          "samples24h": 115,
          "samples30d": 115,
          "days": [
            {
              "date": "2026-10-09",
              "probes": 85,
              "ok": 85
            },
            {
              "date": "2026-10-10",
              "probes": 30,
              "ok": 30
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.basiq.io",
          "indicator": "minor",
          "summary": "Minor Service Outage",
          "checkedAt": "2026-10-10T02:49:56.312411653Z"
        },
        "versions": [
          {
            "registry": "github",
            "name": "basiqio-oss/Basiq-docs",
            "version": "v3.0.8",
            "released": "2026-07-16",
            "seenAt": "2026-10-09T16:42:41.939603853Z"
          }
        ],
        "githubStars": 5,
        "pages": [
          {
            "url": "https://api.basiq.io/changelog",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-09T18:32:31.512737613Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "7ea5161f947f"
          },
          {
            "url": "https://www.basiq.io/pricing.html",
            "kind": "pricing",
            "status": 200,
            "checkedAt": "2026-10-09T18:48:29.43933836Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "1c9866bc1634"
          },
          {
            "url": "https://docs.basiq.io/en/articles/382581-basiq-privacy-policy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-09T18:36:36.227093441Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "af5c5eabea79"
          },
          {
            "url": "https://docs.basiq.io/en/articles/415750-basiq-terms-of-service",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-09T18:36:38.602578211Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "2bce9aa59c11"
          }
        ],
        "updatedAt": "2026-10-10T02:54:48.049473771Z"
      }
    },
    "answer": "Basiq scores 60.4 (C) on agent readiness against Powens's 42.6 (E), and leads in 6 of 7 scored categories. Powens leads on security \u0026 auth.",
    "b": {
      "slug": "powens",
      "name": "Powens",
      "vendor": "Powens SAS",
      "vendorUrl": "https://www.powens.com",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "Powens is a French open banking platform, formerly Budget Insight. Its REST API and hosted Webview read bank accounts, balances and transactions with the account holder's consent, verify account ownership and start bank payments in Europe.",
      "url": "https://www.anchorterminal.com/tools/powens",
      "markdownUrl": "https://www.anchorterminal.com/tools/powens.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/powens.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/powens.json",
      "repo": "https://github.com/powenscompany/powens-connect-ios",
      "license": "Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://{domain}.biapi.pro/2.0",
      "packages": [],
      "auth": "mixed",
      "authNotes": "A client ID and client secret from the console, sent in the body of `POST /auth/init`, return a permanent user token that is sent as `authorization: Bearer`. A permanent token has no expiry and is revoked with `DELETE /auth/token` or `POST /auth/renew` with `revoke_previous`. The Webview takes a temporary code from `GET /auth/token/code`, valid 30 minutes or once. Payments use 30-minute service tokens with `payments:*` scopes. Listing users and changing configuration need separate tokens from the console settings. Console signup is self-serve for a sandbox domain. Live access is by purchase order.",
      "pricing": "paid",
      "pricingNotes": "No public prices. The site has no pricing page, and product pages lead to a meeting request (https://www.powens.com/products/transactions/, checked 2026-10-09). The conditions of sale set fees in a purchase order by volume of users, invoiced in advance with a monthly invoice for excess users, and revise prices each year by the SYNTEC index. A free console account gives a sandbox domain with a test connector. No card is mentioned for signup.",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the docs index, the API reference pages read or the site (checked 2026-10-09).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-09"
      },
      "docsUrl": "https://docs.powens.com/documentation",
      "llmsTxt": "https://docs.powens.com/api-reference/llms.txt",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.consent",
        "bank.identity",
        "bank.payments"
      ],
      "tags": [
        "hosted",
        "llms-txt",
        "webhooks",
        "sandbox",
        "eu",
        "enterprise",
        "sales-led",
        "closed-source"
      ],
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 42.6,
        "grade": "E",
        "agentReady": false,
        "rank": 892,
        "ranked": true,
        "rankOf": 950,
        "categoryRank": 13,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 57,
          "maintenance": 33,
          "payments": 10,
          "reliability": 27,
          "schema": 48,
          "security": 60,
          "transparency": 63
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-09"
        },
        "negative": 0,
        "verdict": "Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.",
        "bestFor": "A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.",
        "strengths": [
          "Both docs spaces publish llms.txt and a Markdown twin of every page, and robots.txt states `ai-input=yes`",
          "Transactions take `limit` up to 1,000, opaque cursor links, `min_date`, `max_date`, `last_update` and value filters",
          "`DELETE /users/{userId}/connections/{connectionId}` is documented as a permanent erasure of the connection and all its data",
          "Payment service tokens last 30 minutes and carry scopes such as `payments:read-only`, `payments:validate` and `payments:cancel`",
          "Powens SAS is a payment institution registered with the ACPR under CIB 16948, and its terms name hosting sub-processors in France"
        ],
        "weaknesses": [
          "No OpenAPI or other machine-readable contract was found. The reference is hand-written tables",
          "No public prices. Fees are set per volume of users in a signed purchase order",
          "No status page is linked from the site or docs read, and no uptime SLA appears in the conditions of sale",
          "No idempotency key or documented 429 handling was found, and production rate limits are not published",
          "The only SDK found is an iOS package at 1.0.0-beta, last changed on 1 October 2024"
        ],
        "agentNotes": [
          "Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`",
          "Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given",
          "Enable an account with `POST` and `{\"disabled\": false}` only after the account holder consents. Accounts arrive disabled with no transactions",
          "Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header",
          "Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks"
        ],
        "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": 42.6
          }
        ],
        "editorialScores": {
          "ergonomics": 57,
          "maintenance": 33,
          "payments": 10,
          "reliability": 27,
          "schema": 48,
          "security": 60,
          "transparency": 64
        },
        "provenanceScore": 61
      },
      "connect": {
        "http": "curl https://{domain}.biapi.pro/2.0/connectors/"
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/powens"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Powens SAS",
        "domain": "powens.com",
        "domainRegistered": "2000-03-01",
        "endpointOnVendorDomain": false,
        "terms": "https://www.powens.com/sas-conditions-sale/",
        "privacy": "https://www.powens.com/sas-privacy-policy/",
        "statusPage": "",
        "changelog": "https://budget-insight.notion.site/Changelog-public-edc79d1d9e0a4608928df68fafa811bb",
        "securityTxt": "none",
        "checked": "2026-10-09",
        "notes": [
          "The legal notice names Powens, a simplified joint-stock company with share capital of 44,037.90 euros, 84 rue Beaubourg, 75003 Paris, Paris trade register number 749 867 206, registered with the ACPR as a payment institution under CIB 16948.",
          "The terms link is the General Terms and Conditions of Sale, which apply to services Powens performs for clients under a purchase order and are governed by French law. The page carries no version or date. A separate Terms and Conditions of Use page binds the account holders who use the Webview.",
          "The privacy link is the Powens SAS privacy policy, which covers the website, console accounts and financial data, and lists processors with a column for transfers outside the EU. The page carries no date. A group privacy policy and one for the Spanish regulated entity are separate pages.",
          "The API answers at https://{domain}.biapi.pro, a second domain registered on 5 February 2014, and the Webview at webview.powens.com. The docs still link console.budget-insight.com and docs.budget-insight.com in places.",
          "www.powens.com/.well-known/security.txt returns 404. No vulnerability disclosure policy or bug bounty was found on the pages read.",
          "No status page is linked from the home page, the product pages or the docs read. status.powens.com was a guess and could not be reached from our network, so its existence is unchecked.",
          "The changelog is a Notion page linked from the docs home. It is drawn by script and was not read. Verisign RDAP gives the powens.com registration date and OVH as registrar.",
          "Powens acquired the Spanish electronic money institution Unnax in 2024, and Unnax took the Powens brand in 2026 per powens.com/unnax-is-powens."
        ],
        "score": 61
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/powens.json",
      "live": {
        "slug": "powens",
        "probe": {
          "target": "https://{domain}.biapi.pro/2.0",
          "method": "get",
          "lastAt": "2026-10-10T02:55:06.654991411Z",
          "lastOk": false,
          "lastStatus": 0,
          "lastMs": 0,
          "lastNote": "invalid character \"{\" in host name",
          "authRequired": false,
          "uptime24h": 0,
          "uptime30d": 0,
          "p50ms24h": 0,
          "p95ms24h": 0,
          "samples24h": 115,
          "samples30d": 115,
          "days": [
            {
              "date": "2026-10-09",
              "probes": 85,
              "ok": 0
            },
            {
              "date": "2026-10-10",
              "probes": 30,
              "ok": 0
            }
          ],
          "outages": [
            {
              "start": "2026-10-09T15:43:17.921158871Z",
              "end": "0001-01-01T00:00:00Z",
              "note": "invalid character \"{\" in host name"
            }
          ]
        },
        "versions": [
          {
            "registry": "github",
            "name": "powenscompany/powens-connect-ios",
            "version": "1.0.0-beta",
            "released": "2024-09-30",
            "seenAt": "2026-10-09T17:14:20.632650104Z"
          }
        ],
        "githubStars": 1,
        "pages": [
          {
            "url": "https://budget-insight.notion.site/Changelog-public-edc79d1d9e0a4608928df68fafa811bb",
            "kind": "changelog",
            "status": 404,
            "checkedAt": "2026-10-09T18:33:19.38191606Z",
            "changedAt": "0001-01-01T00:00:00Z"
          },
          {
            "url": "https://www.powens.com/sas-privacy-policy/",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-09T18:53:14.750162665Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "4bbb4f60d121"
          },
          {
            "url": "https://www.powens.com/sas-conditions-sale/",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-09T18:53:12.685497091Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "7ce097c66886"
          }
        ],
        "updatedAt": "2026-10-10T02:55:06.654991411Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Basiq Pty Ltd (Cuscal Limited)",
        "b": "Powens SAS",
        "name": "Vendor"
      },
      {
        "a": "https://au-api.basiq.io",
        "b": "https://{domain}.biapi.pro/2.0",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP, Streamable HTTP",
        "b": "HTTP",
        "name": "Transports"
      },
      {
        "a": "API key",
        "b": "OAuth or key",
        "name": "Auth"
      },
      {
        "a": "Paid",
        "b": "Paid",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "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",
        "b": "Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "yes",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-09-30",
        "b": "none",
        "name": "Last release"
      },
      {
        "a": "no date given",
        "b": "no date given",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "no date given",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Customer content may train models"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Terms restrict automated access"
      },
      {
        "a": "yes",
        "b": "not found in the text",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Basiq scores 60.4 (C) on agent readiness against Powens's 42.6 (E), and leads in 6 of 7 scored categories. Powens leads on security \u0026 auth.",
        "question": "Which is better for AI agents, Basiq or Powens?"
      },
      {
        "answer": "Basiq needs an API key. Powens takes an API key or an OAuth sign-in.",
        "question": "Do Basiq and Powens need an API key?"
      },
      {
        "answer": "Yes. Basiq has a hosted endpoint at https://au-api.basiq.io and Powens at https://{domain}.biapi.pro/2.0.",
        "question": "Can an agent call Basiq and Powens without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 70 against 27",
          "Schema \u0026 documentation, 84 against 48",
          "Agent ergonomics, 62 against 57",
          "Payments \u0026 pricing, 20 against 10",
          "Maintenance \u0026 community, 48 against 33",
          "Transparency \u0026 trust, 72 against 63"
        ],
        "also": null,
        "goodFor": "Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.",
        "slug": "basiq",
        "watchFor": "Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published"
      },
      {
        "aheadOn": [
          "Security \u0026 auth, 60 against 55"
        ],
        "also": null,
        "goodFor": "A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.",
        "slug": "powens",
        "watchFor": "No OpenAPI or other machine-readable contract was found. The reference is hand-written tables"
      }
    ],
    "job": {
      "capability": "bank.accounts",
      "name": "Bank account data"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/akoya-vs-basiq.json",
        "title": "Akoya vs Basiq",
        "url": "https://www.anchorterminal.com/compare/akoya-vs-basiq"
      },
      {
        "json": "https://www.anchorterminal.com/compare/akoya-vs-powens.json",
        "title": "Akoya vs Powens",
        "url": "https://www.anchorterminal.com/compare/akoya-vs-powens"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-belvo.json",
        "title": "Basiq vs Belvo",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-belvo"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking.json",
        "title": "Basiq vs Enable Banking",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-flinks.json",
        "title": "Basiq vs Flinks",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-flinks"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.json",
        "title": "Basiq vs GoCardless Bank Account Data",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-mx.json",
        "title": "Basiq vs MX Platform API",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-mx"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-plaid.json",
        "title": "Basiq vs Plaid",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-plaid"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge.json",
        "title": "Basiq vs Salt Edge Account Information",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-teller.json",
        "title": "Basiq vs Teller",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-teller"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-tink.json",
        "title": "Basiq vs Tink",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-tink"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-truelayer.json",
        "title": "Basiq vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-truelayer"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-yapily.json",
        "title": "Basiq vs Yapily",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.json",
        "title": "Basiq vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/belvo-vs-powens.json",
        "title": "Belvo vs Powens",
        "url": "https://www.anchorterminal.com/compare/belvo-vs-powens"
      },
      {
        "json": "https://www.anchorterminal.com/compare/enable-banking-vs-powens.json",
        "title": "Enable Banking vs Powens",
        "url": "https://www.anchorterminal.com/compare/enable-banking-vs-powens"
      },
      {
        "json": "https://www.anchorterminal.com/compare/flinks-vs-powens.json",
        "title": "Flinks vs Powens",
        "url": "https://www.anchorterminal.com/compare/flinks-vs-powens"
      },
      {
        "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.json",
        "title": "GoCardless Bank Account Data vs Powens",
        "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens"
      },
      {
        "json": "https://www.anchorterminal.com/compare/mx-vs-powens.json",
        "title": "MX Platform API vs Powens",
        "url": "https://www.anchorterminal.com/compare/mx-vs-powens"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plaid-vs-powens.json",
        "title": "Plaid vs Powens",
        "url": "https://www.anchorterminal.com/compare/plaid-vs-powens"
      },
      {
        "json": "https://www.anchorterminal.com/compare/powens-vs-salt-edge.json",
        "title": "Powens vs Salt Edge Account Information",
        "url": "https://www.anchorterminal.com/compare/powens-vs-salt-edge"
      },
      {
        "json": "https://www.anchorterminal.com/compare/powens-vs-teller.json",
        "title": "Powens vs Teller",
        "url": "https://www.anchorterminal.com/compare/powens-vs-teller"
      },
      {
        "json": "https://www.anchorterminal.com/compare/powens-vs-tink.json",
        "title": "Powens vs Tink",
        "url": "https://www.anchorterminal.com/compare/powens-vs-tink"
      },
      {
        "json": "https://www.anchorterminal.com/compare/powens-vs-truelayer.json",
        "title": "Powens vs TrueLayer",
        "url": "https://www.anchorterminal.com/compare/powens-vs-truelayer"
      },
      {
        "json": "https://www.anchorterminal.com/compare/powens-vs-yapily.json",
        "title": "Powens vs Yapily",
        "url": "https://www.anchorterminal.com/compare/powens-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.json",
        "title": "Powens vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data"
      }
    ],
    "scores": [
      {
        "basiq": 70,
        "by": 43,
        "edge": "basiq",
        "key": "reliability",
        "name": "Reliability",
        "powens": 27,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "basiq": 84,
        "by": 36,
        "edge": "basiq",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "powens": 48,
        "weight": 13
      },
      {
        "basiq": 62,
        "by": 5,
        "edge": "basiq",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "powens": 57,
        "weight": 13
      },
      {
        "basiq": 55,
        "by": 5,
        "edge": "powens",
        "key": "security",
        "name": "Security \u0026 auth",
        "powens": 60,
        "weight": 14
      },
      {
        "basiq": 20,
        "by": 10,
        "edge": "basiq",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "powens": 10,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "basiq": 48,
        "by": 15,
        "edge": "basiq",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "powens": 33,
        "weight": 7
      },
      {
        "basiq": 72,
        "by": 9,
        "edge": "basiq",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "powens": 63,
        "weight": 7
      }
    ],
    "summary": "Basiq scores 60.4 (C) on agent readiness against Powens's 42.6 (E), and leads in 6 of 7 scored categories. Powens leads on security \u0026 auth. Both do bank account data.",
    "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.",
      "powens": "Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order."
    }
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  "links": {
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    "html": "https://www.anchorterminal.com/compare/basiq-vs-powens",
    "json": "https://www.anchorterminal.com/compare/basiq-vs-powens.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/basiq-vs-powens.md",
    "slim": "https://www.anchorterminal.com/compare/basiq-vs-powens.min.md"
  },
  "markdown": "Basiq scores 60.4 (C) on agent readiness against Powens's 42.6 (E), and leads in 6 of 7 scored categories. Powens leads on security \u0026 auth. Both do bank account data.\n\n- 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\n- Powens: grade E, 42.6/100, rank #892 of 950. Markdown https://www.anchorterminal.com/tools/powens.md · JSON https://www.anchorterminal.com/api/v1/tools/powens.json\n- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md\n- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md\n\n## Which one, for what\n\n### Basiq (C)\n\nGood for: Consented bank data for Australia and New Zealand, with income and affordability reports for lenders.\n\nAhead on:\n- Reliability, 70 against 27\n- Schema \u0026 documentation, 84 against 48\n- Agent ergonomics, 62 against 57\n- Payments \u0026 pricing, 20 against 10\n- Maintenance \u0026 community, 48 against 33\n- Transparency \u0026 trust, 72 against 63\n\nWatch for: Live data needs a plan with a 12-month minimum and a platform access fee whose amount is not published\n\n### Powens (E)\n\nGood for: A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.\n\nAhead on:\n- Security \u0026 auth, 60 against 55\n\nWatch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables\n\n\n## Score by category\n\n| Category | Weight | Basiq | Powens | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 27 | Basiq +43 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 84 | 48 | Basiq +36 |\n| Agent ergonomics | 13% (16.2 this run) | 62 | 57 | Basiq +5 |\n| Security \u0026 auth | 14% (17.5 this run) | 55 | 60 | Powens +5 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 10 | Basiq +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 48 | 33 | Basiq +15 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 63 | Basiq +9 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **60.4 · C** | **42.6 · E** | |\n\n## Facts side by side\n\n| Fact | Basiq | Powens |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Basiq Pty Ltd (Cuscal Limited) | Powens SAS |\n| Hosted endpoint | `https://au-api.basiq.io` | `https://{domain}.biapi.pro/2.0` |\n| Transports | HTTP, Streamable HTTP | HTTP |\n| Auth | API key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| 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 Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 |\n| Read-only variant documented | no | yes |\n| llms.txt | yes | yes |\n| Last release | 2026-09-30 | none |\n| Terms last updated | no date given | no date given |\n| Privacy policy last updated | no date given | no date given |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | not found in the text |\n| Terms restrict benchmarking | yes | not found in the text |\n| Terms or service can change without notice | not found in the text | not found in the text |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\n\n## Verdicts\n\n**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.\n\n**Powens.** Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.\n\n## Before you call either\n\n### Basiq\n\n1. Send the API key verbatim after `Basic` in the `Authorization` header of `POST /token`. Base64-encoding it returns a 400.\n2. 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.\n3. 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.\n4. Poll `GET /jobs/{jobId}` until `verify-credentials`, `retrieve-accounts` and `retrieve-transactions` all read `success` before reading accounts or transactions.\n5. Follow `links.next` on `GET /users/{userId}/transactions`. A page holds at most 500 items, and pending transactions get new ids on each refresh.\n\n### Powens\n\n1. Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`\n2. Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given\n3. Enable an account with `POST` and `{\"disabled\": false}` only after the account holder consents. Accounts arrive disabled with no transactions\n4. Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header\n5. Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks\n\n## Questions\n\n### Which is better for AI agents, Basiq or Powens?\n\nBasiq scores 60.4 (C) on agent readiness against Powens's 42.6 (E), and leads in 6 of 7 scored categories. Powens leads on security \u0026 auth.\n\n### Do Basiq and Powens need an API key?\n\nBasiq needs an API key. Powens takes an API key or an OAuth sign-in.\n\n### Can an agent call Basiq and Powens without installing anything?\n\nYes. Basiq has a hosted endpoint at https://au-api.basiq.io and Powens at https://{domain}.biapi.pro/2.0.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-powens.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-powens.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"basiq\", \"b\": \"powens\"}`. From a terminal: `anchor compare basiq powens`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/powens.json\n\n## Other comparisons with Basiq or Powens\n\n- [Akoya vs Basiq](https://www.anchorterminal.com/compare/akoya-vs-basiq.md)\n- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)\n- [Basiq vs Belvo](https://www.anchorterminal.com/compare/basiq-vs-belvo.md)\n- [Basiq vs Enable Banking](https://www.anchorterminal.com/compare/basiq-vs-enable-banking.md)\n- [Basiq vs Flinks](https://www.anchorterminal.com/compare/basiq-vs-flinks.md)\n- [Basiq vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/basiq-vs-gocardless-bank-account-data.md)\n- [Basiq vs MX Platform API](https://www.anchorterminal.com/compare/basiq-vs-mx.md)\n- [Basiq vs Plaid](https://www.anchorterminal.com/compare/basiq-vs-plaid.md)\n- [Basiq vs Salt Edge Account Information](https://www.anchorterminal.com/compare/basiq-vs-salt-edge.md)\n- [Basiq vs Teller](https://www.anchorterminal.com/compare/basiq-vs-teller.md)\n- [Basiq vs Tink](https://www.anchorterminal.com/compare/basiq-vs-tink.md)\n- [Basiq vs TrueLayer](https://www.anchorterminal.com/compare/basiq-vs-truelayer.md)\n- [Basiq vs Yapily](https://www.anchorterminal.com/compare/basiq-vs-yapily.md)\n- [Basiq vs Yodlee Core API](https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md)\n- [Belvo vs Powens](https://www.anchorterminal.com/compare/belvo-vs-powens.md)\n- [Enable Banking vs Powens](https://www.anchorterminal.com/compare/enable-banking-vs-powens.md)\n- [Flinks vs Powens](https://www.anchorterminal.com/compare/flinks-vs-powens.md)\n- [GoCardless Bank Account Data vs Powens](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.md)\n- [MX Platform API vs Powens](https://www.anchorterminal.com/compare/mx-vs-powens.md)\n- [Plaid vs Powens](https://www.anchorterminal.com/compare/plaid-vs-powens.md)\n- [Powens vs Salt Edge Account Information](https://www.anchorterminal.com/compare/powens-vs-salt-edge.md)\n- [Powens vs Teller](https://www.anchorterminal.com/compare/powens-vs-teller.md)\n- [Powens vs Tink](https://www.anchorterminal.com/compare/powens-vs-tink.md)\n- [Powens vs TrueLayer](https://www.anchorterminal.com/compare/powens-vs-truelayer.md)\n- [Powens vs Yapily](https://www.anchorterminal.com/compare/powens-vs-yapily.md)\n- [Powens vs Yodlee Core API](https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.md)\n",
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    "description": "Basiq scores 60.4 (C) to Powens's 42.6 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.",
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    "title": "Basiq vs Powens for AI agents in 2026: scores and prices",
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