{ "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 The home page does not link that page, so the figures may be out of date.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": "2026-10-10T02:07:02.166742186Z", "lastOk": true, "lastStatus": 200, "lastMs": 841, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 849, "p95ms24h": 941, "samples24h": 107, "samples30d": 107, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 85 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "vendorStatus": { "page": "https://status.basiq.io", "indicator": "minor", "summary": "Minor Service Outage", "checkedAt": "2026-10-10T02:05:39.894332157Z" }, "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": "2026-10-10T02:07:02.166742186Z" } }, "answer": "Basiq scores 60.4 (C) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics.", "b": { "slug": "salt-edge", "name": "Salt Edge Account Information", "vendor": "Salt Edge", "vendorUrl": "https://www.saltedge.com", "kind": "http-api", "category": "banking-data", "summary": "Open banking aggregator for account data and payments across international banks.", "url": "https://www.anchorterminal.com/tools/salt-edge", "markdownUrl": "https://www.anchorterminal.com/tools/salt-edge.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/salt-edge.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/salt-edge.json", "transports": [ "http" ], "remoteUrl": "https://www.saltedge.com/api/v6", "packages": [], "auth": "api-key", "authNotes": "Every request carries App-id and Secret headers from the dashboard. Live applications must also sign requests, with an Expires-at header (UNIX time, at most an hour ahead) and a Signature header, the base64 SHA256 signature of `Expires-at|method|url|body` made with your private key. Test and Pending applications can skip signing. End users authorise through the Connect widget at a connect_url you create per customer.", "pricing": "paid", "pricingNotes": "No price list. The pricing page returns 404 and the product page points at the dashboard sign-up and a sales form (https://www.saltedge.com/products/account_information). A new dashboard application is in Test status and can only connect to Fake providers and bank sandboxes; moving to Live needs approval, after which rate limits for parallel connections are agreed with a project manager (https://docs.saltedge.com/v6/api_reference).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.saltedge.com/v6/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "uk", "eu", "closed-source", "enterprise", "webhooks" ], "graded": true, "anchor": { "graded": true, "score": 46.7, "grade": "D", "agentReady": false, "rank": 846, "ranked": true, "rankOf": 950, "categoryRank": 11, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 13, "payments": 10, "reliability": 52, "schema": 52, "security": 46, "transparency": 74 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.", "bestFor": "Account data and payments in markets outside the UK, EEA and US.", "strengths": [ "5,000-plus banks in more than 50 countries, by Salt Edge's own count", "per_page up to 1,000, from_id cursors and filters on account, dates and pending", "Consent scopes and period_days, with PUT /consents/{id}/revoke to end one", "Fake providers for password, OAuth and SMS flows, plus your own CSV data", "Privacy policy names its processors and countries and keeps EU data in the EU" ], "weaknesses": [ "Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429", "No public pricing; parallel connection limits are negotiated", "No official SDKs, OpenAPI file, llms.txt or changelog", "No security.txt, security page, disclosure policy or certification found", "Status history readable only for the last fortnight; the JSON feed is blocked by robots.txt" ], "agentNotes": [ "Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error", "Start with fakebank_simple_xf in country XF; it needs no bank sandbox", "Sign requests from the start even in Test, so the move to Live doesn't change your client", "Follow next_page from the meta block rather than building from_id URLs yourself", "Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 46.7 } ], "editorialScores": { "ergonomics": 67, "maintenance": 13, "payments": 10, "reliability": 52, "schema": 52, "security": 46, "transparency": 73 }, "provenanceScore": 74 }, "connect": { "http": "curl https://www.saltedge.com/api/v6/countries -H \"App-id: $SALTEDGE_APP_ID\" -H \"Secret: $SALTEDGE_SECRET\" -H \"Accept: application/json\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/salt-edge" }, "area": "domain-data", "provenance": { "legalEntity": "Salt Edge Limited", "domain": "saltedge.com", "domainRegistered": "2013-12-16", "endpointOnVendorDomain": true, "terms": "https://www.saltedge.com/legal/terms_of_service", "privacy": "https://www.saltedge.com/legal/privacy_policy", "statusPage": "https://www.saltedgestatus.com/", "changelog": "", "securityTxt": "none", "checked": "2026-10-01", "notes": [ "Salt Edge Limited, registered in England and Wales, company 11178811, FCA 822499, is a subsidiary of Salt Edge Inc., which the privacy policy places in Canada, with offices in Canada, the UK and Moldova.", "The privacy policy was last updated 14 September 2023.", "The domain's registration expires 2026-12-16 per Verisign's RDAP record in the 30 September check; rdap.org returned 403.", "www.saltedge.com/.well-known/security.txt returned 404 in the 30 September check, and www.saltedge.com/security returns 404.", "No changelog found; product news appears on blog.saltedge.com." ], "score": 74 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/salt-edge.json", "live": { "slug": "salt-edge", "probe": { "target": "https://www.saltedge.com/api/v6", "method": "get", "lastAt": "2026-10-10T02:07:23.459459634Z", "lastOk": true, "lastStatus": 404, "lastMs": 126, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 117, "p95ms24h": 203, "samples24h": 250, "samples30d": 2256, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 22, "ok": 22 } ] }, "vendorStatus": { "page": "https://www.saltedgestatus.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T02:06:27.00865859Z" }, "securityTxt": { "url": "https://saltedge.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:40:07.923259814Z" }, "domain": { "domain": "saltedge.com", "registered": "2013-12-16", "source": "https://rdap.verisign.com/com/v1/domain/saltedge.com", "checkedAt": "2026-10-04T13:05:42.743352908Z" }, "pages": [ { "url": "https://www.saltedge.com/legal/privacy_policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:53:43.222742852Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "98095fe138d1" }, { "url": "https://www.saltedge.com/legal/terms_of_service", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:53:45.467655392Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "d4d5435c5ee6" } ], "updatedAt": "2026-10-10T02:07:23.459459634Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Basiq Pty Ltd (Cuscal Limited)", "b": "Salt Edge", "name": "Vendor" }, { "a": "https://au-api.basiq.io", "b": "https://www.saltedge.com/api/v6", "name": "Hosted endpoint" }, { "a": "HTTP, Streamable HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "API 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": "none", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-09-30", "b": "none", "name": "Last release" }, { "a": "no date given", "b": "2023-09-14", "name": "Terms last updated" }, { "a": "no date given", "b": "2023-09-14", "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": "yes", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "2.5/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Basiq scores 60.4 (C) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics.", "question": "Which is better for AI agents, Basiq or Salt Edge Account Information?" }, { "answer": "Both need an API key.", "question": "Do Basiq and Salt Edge Account Information need an API key?" }, { "answer": "Yes. Basiq has a hosted endpoint at https://au-api.basiq.io and Salt Edge Account Information at https://www.saltedge.com/api/v6.", "question": "Can an agent call Basiq and Salt Edge Account Information without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 70 against 52", "Schema \u0026 documentation, 84 against 52", "Security \u0026 auth, 55 against 46", "Payments \u0026 pricing, 20 against 10", "Maintenance \u0026 community, 48 against 13" ], "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": [ "Agent ergonomics, 67 against 62" ], "also": null, "goodFor": "Account data and payments in markets outside the UK, EEA and US.", "slug": "salt-edge", "watchFor": "Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429" } ], "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-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/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-powens.json", "title": "Basiq vs Powens", "url": "https://www.anchorterminal.com/compare/basiq-vs-powens" }, { "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-salt-edge.json", "title": "Belvo vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.json", "title": "Enable Banking vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge.json", "title": "Flinks vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/flinks-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.json", "title": "GoCardless Bank Account Data vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-salt-edge.json", "title": "MX Platform API vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/mx-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-salt-edge.json", "title": "Plaid vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/plaid-vs-salt-edge" }, { "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/salt-edge-vs-teller.json", "title": "Salt Edge Account Information vs Teller", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-tink.json", "title": "Salt Edge Account Information vs Tink", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.json", "title": "Salt Edge Account Information vs TrueLayer", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-yapily.json", "title": "Salt Edge Account Information vs Yapily", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-yapily" }, { "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" } ], "scores": [ { "basiq": 70, "by": 18, "edge": "basiq", "key": "reliability", "name": "Reliability", "salt-edge": 52, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "basiq": 84, "by": 32, "edge": "basiq", "key": "schema", "name": "Schema \u0026 documentation", "salt-edge": 52, "weight": 13 }, { "basiq": 62, "by": 5, "edge": "salt-edge", "key": "ergonomics", "name": "Agent ergonomics", "salt-edge": 67, "weight": 13 }, { "basiq": 55, "by": 9, "edge": "basiq", "key": "security", "name": "Security \u0026 auth", "salt-edge": 46, "weight": 14 }, { "basiq": 20, "by": 10, "edge": "basiq", "key": "payments", "name": "Payments \u0026 pricing", "salt-edge": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "basiq": 48, "by": 35, "edge": "basiq", "key": "maintenance", "name": "Maintenance \u0026 community", "salt-edge": 13, "weight": 7 }, { "basiq": 72, "by": 2, "edge": "salt-edge", "key": "transparency", "name": "Transparency \u0026 trust", "salt-edge": 74, "weight": 7 } ], "summary": "Basiq scores 60.4 (C) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics. 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.", "salt-edge": "5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge", "json": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge.md", "slim": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge.min.md" }, "markdown": "Basiq scores 60.4 (C) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics. 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- Salt Edge Account Information: grade D, 46.7/100, rank #846 of 950. Markdown https://www.anchorterminal.com/tools/salt-edge.md · JSON https://www.anchorterminal.com/api/v1/tools/salt-edge.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 52\n- Schema \u0026 documentation, 84 against 52\n- Security \u0026 auth, 55 against 46\n- Payments \u0026 pricing, 20 against 10\n- Maintenance \u0026 community, 48 against 13\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### Salt Edge Account Information (D)\n\nGood for: Account data and payments in markets outside the UK, EEA and US.\n\nAhead on:\n- Agent ergonomics, 67 against 62\n\nWatch for: Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429\n\n\n## Score by category\n\n| Category | Weight | Basiq | Salt Edge Account Information | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 52 | Basiq +18 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 84 | 52 | Basiq +32 |\n| Agent ergonomics | 13% (16.2 this run) | 62 | 67 | Salt Edge Account Information +5 |\n| Security \u0026 auth | 14% (17.5 this run) | 55 | 46 | Basiq +9 |\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 | 13 | Basiq +35 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 74 | Salt Edge Account Information +2 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **60.4 · C** | **46.7 · D** | |\n\n## Facts side by side\n\n| Fact | Basiq | Salt Edge Account Information |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Basiq Pty Ltd (Cuscal Limited) | Salt Edge |\n| Hosted endpoint | `https://au-api.basiq.io` | `https://www.saltedge.com/api/v6` |\n| Transports | HTTP, Streamable HTTP | HTTP |\n| Auth | API key | API 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 | none |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-09-30 | none |\n| Terms last updated | no date given | 2023-09-14 |\n| Privacy policy last updated | no date given | 2023-09-14 |\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 | yes |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n| Agent reviews | none | 2.5/5 (2) |\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**Salt Edge Account Information.** 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.\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### Salt Edge Account Information\n\n1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error\n2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox\n3. Sign requests from the start even in Test, so the move to Live doesn't change your client\n4. Follow next_page from the meta block rather than building from_id URLs yourself\n5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done\n\n## Questions\n\n### Which is better for AI agents, Basiq or Salt Edge Account Information?\n\nBasiq scores 60.4 (C) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 5 of 7 scored categories. Salt Edge Account Information leads on agent ergonomics.\n\n### Do Basiq and Salt Edge Account Information need an API key?\n\nBoth need an API key.\n\n### Can an agent call Basiq and Salt Edge Account Information without installing anything?\n\nYes. Basiq has a hosted endpoint at https://au-api.basiq.io and Salt Edge Account Information at https://www.saltedge.com/api/v6.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-salt-edge.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-salt-edge.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"basiq\", \"b\": \"salt-edge\"}`. From a terminal: `anchor compare basiq salt-edge`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/salt-edge.json\n\n## Other comparisons with Basiq or Salt Edge Account Information\n\n- [Akoya vs Basiq](https://www.anchorterminal.com/compare/akoya-vs-basiq.md)\n- [Akoya vs Salt Edge Account Information](https://www.anchorterminal.com/compare/akoya-vs-salt-edge.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 Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.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 Salt Edge Account Information](https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md)\n- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)\n- [Flinks vs Salt Edge Account Information](https://www.anchorterminal.com/compare/flinks-vs-salt-edge.md)\n- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)\n- [MX Platform API vs Salt Edge Account Information](https://www.anchorterminal.com/compare/mx-vs-salt-edge.md)\n- [Plaid vs Salt Edge Account Information](https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md)\n- [Powens vs Salt Edge Account Information](https://www.anchorterminal.com/compare/powens-vs-salt-edge.md)\n- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)\n- [Salt Edge Account Information vs Tink](https://www.anchorterminal.com/compare/salt-edge-vs-tink.md)\n- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)\n- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)\n- [Salt Edge Account Information vs Yodlee Core API](https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Basiq vs Salt Edge Account Information", "url": "" } ], "description": "Basiq scores 60.4 (C) to Salt Edge Account Information's 46.7 (D) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Basiq C 60.4", "Salt Edge Account Information D 46.7", "scores" ], "h1": "Basiq vs Salt Edge Account Information", "image": "https://www.anchorterminal.com/assets/og/compare-basiq-vs-salt-edge.png", "path": "/compare/basiq-vs-salt-edge", "published": "2026-10-01", "section": "tools", "title": "Basiq vs Salt Edge Account Information for AI agents (2026)", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/basiq-vs-salt-edge" }, "tokens": { "markdown": 2450, "slim": 630 }, "version": 1 }