{
  "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 The home page does not link that page, so the figures may be out of date.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 Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on agent ergonomics and maintenance \u0026 community.",
    "b": {
      "slug": "yapily",
      "name": "Yapily",
      "vendor": "Yapily",
      "vendorUrl": "https://www.yapily.com",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "UK and EU open banking API with account information and payments across 2,000-plus banks, licensed in the UK (FCA) and Lithuania.",
      "url": "https://www.anchorterminal.com/tools/yapily",
      "markdownUrl": "https://www.anchorterminal.com/tools/yapily.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/yapily.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/yapily.json",
      "repo": "https://github.com/yapily/yapily-sdk-nodejs",
      "license": "MIT (SDKs)",
      "transports": [
        "http",
        "streamable-http"
      ],
      "remoteUrl": "https://api.yapily.com",
      "packages": [
        {
          "registry": "npm",
          "name": "@yapily/yapily-api"
        }
      ],
      "auth": "api-key",
      "authNotes": "HTTP basic auth with the application id as the username and the application secret as the password, downloaded as a JSON file from the Console. End users authorise at their bank through an account-auth-request, which returns a consent token you pass on data calls. The docs MCP server at docs.yapily.com/mcp needs no auth at all, because it only searches the documentation.",
      "pricing": "paid",
      "pricingNotes": "No published prices. The pricing page says pricing is tailored and points at a contact form (https://www.yapily.com/pricing). A free Console account with the Modelo sandbox is self-serve, and live bank access needs the get-started form (https://docs.yapily.com/getting-started/get-started.md).",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 14,
        "npmWeekly": 50,
        "pypiWeekly": null,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.yapily.com",
      "llmsTxt": "https://docs.yapily.com/llms.txt",
      "openapi": "https://docs.yapily.com/openapi-converted.json",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.identity",
        "bank.payments",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "llms-txt",
        "openapi",
        "mcp",
        "uk",
        "eu",
        "webhooks",
        "enterprise",
        "closed-source"
      ],
      "lastRelease": "2025-06-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 57.6,
        "grade": "C",
        "agentReady": false,
        "rank": 603,
        "ranked": true,
        "rankOf": 950,
        "categoryRank": 7,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 77,
          "maintenance": 67,
          "payments": 10,
          "reliability": 55,
          "schema": 88,
          "security": 37,
          "transparency": 71
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.",
        "bestFor": "UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.",
        "strengths": [
          "llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file",
          "Error bodies carry a source of USER, INSTITUTION or YAPILY and a tracingId",
          "Changelog with ten dated entries from July to September 2026, breaking changes flagged",
          "Public subprocessor list with locations, primary hosting in London",
          "Transactions take from, before, limit up to 1,000 and sort"
        ],
        "weaknesses": [
          "No public pricing; live access starts with a sales form",
          "No security.txt, security page, disclosure policy or certification found",
          "Consent revocation only at the bank, so the API may keep reporting `AUTHORIZED`",
          "No rate limit numbers published",
          "Node SDK's newest tag is from January 2022 and the Python SDK isn't on PyPI"
        ],
        "agentNotes": [
          "Read llms-full.txt once and cache it; it's the whole documentation in one fetch",
          "Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty",
          "Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation",
          "Check the error source field first; USER and INSTITUTION failures won't clear on retry",
          "In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 2.5,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "C",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 57.6
          }
        ],
        "editorialScores": {
          "ergonomics": 77,
          "maintenance": 67,
          "payments": 10,
          "reliability": 55,
          "schema": 88,
          "security": 37,
          "transparency": 70
        },
        "provenanceScore": 72
      },
      "connect": {
        "http": "curl -u \"$YAPILY_APPLICATION_ID:$YAPILY_APPLICATION_SECRET\" https://api.yapily.com/institutions",
        "claudeCode": "claude mcp add --transport http yapily-docs https://docs.yapily.com/mcp",
        "config": {
          "mcpServers": {
            "yapily-docs": {
              "type": "http",
              "url": "https://docs.yapily.com/mcp"
            }
          }
        }
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/yapily"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Yapily Ltd",
        "domain": "yapily.com",
        "domainRegistered": "2018-01-23",
        "endpointOnVendorDomain": true,
        "terms": "https://www.yapily.com/legal/website-terms-of-use",
        "privacy": "https://www.yapily.com/legal/privacy-policy",
        "statusPage": "https://status.yapily.com",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-09-30",
        "notes": [
          "Yapily Ltd, company 10842280, 66 Paul Street, London EC2A 4NA, is unregulated; Yapily Connect Ltd (company 11598433, FCA 827001) and Yapily Connect UAB (company 305602679, Bank of Lithuania LB002045) hold the licences.",
          "The customer contract is the Data Handling Agreement at yapily.com/legal/data-handling-agreement; the website terms are what's public.",
          "www.yapily.com/.well-known/security.txt returns 404.",
          "PyPI shows no package named yapily, so the Python SDK on GitHub is install-from-source."
        ],
        "score": 72
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/yapily.json",
      "live": {
        "slug": "yapily",
        "probe": {
          "target": "https://api.yapily.com",
          "method": "get",
          "lastAt": "2026-10-10T02:07:31.85353769Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 178,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 149,
          "p95ms24h": 215,
          "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://status.yapily.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-10T02:06:34.740309059Z"
        },
        "versions": [
          {
            "registry": "npm",
            "name": "@yapily/yapily-api",
            "version": "8.0.0",
            "seenAt": "2026-10-09T17:29:14.202087627Z"
          }
        ],
        "githubStars": 14,
        "npmWeekly": 17,
        "securityTxt": {
          "url": "https://yapily.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-09T15:40:19.828998176Z"
        },
        "llmsTxt": {
          "url": "https://docs.yapily.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-09T14:03:02.052519597Z"
        },
        "domain": {
          "domain": "yapily.com",
          "registered": "2018-01-23",
          "source": "https://rdap.verisign.com/com/v1/domain/yapily.com",
          "checkedAt": "2026-10-04T13:06:12.962175252Z"
        },
        "pages": [
          {
            "url": "https://www.yapily.com/pricing",
            "kind": "pricing",
            "status": 200,
            "checkedAt": "2026-10-09T18:55:59.840026407Z",
            "changedAt": "2026-10-09T18:55:59.840026407Z",
            "fingerprint": "2b46f252c706"
          },
          {
            "url": "https://www.yapily.com/legal/privacy-policy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-09T18:55:55.727825634Z",
            "changedAt": "2026-10-09T18:55:55.727825634Z",
            "fingerprint": "00dc9f949cb0"
          },
          {
            "url": "https://www.yapily.com/legal/website-terms-of-use",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-09T18:55:57.874947083Z",
            "changedAt": "2026-10-09T18:55:57.874947083Z",
            "fingerprint": "738a94a50562"
          }
        ],
        "updatedAt": "2026-10-10T02:07:31.85353769Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Basiq Pty Ltd (Cuscal Limited)",
        "b": "Yapily",
        "name": "Vendor"
      },
      {
        "a": "https://au-api.basiq.io",
        "b": "https://api.yapily.com",
        "name": "Hosted endpoint"
      },
      {
        "a": "HTTP, Streamable HTTP",
        "b": "HTTP, Streamable 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": "MIT (SDKs)",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-09-30",
        "b": "2025-06-30",
        "name": "Last release"
      },
      {
        "a": "no date given",
        "b": "2022-12-05",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "no date given",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "yes",
        "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"
      },
      {
        "a": "none",
        "b": "14 stars, 50 npm/wk",
        "name": "Popularity"
      },
      {
        "a": "none",
        "b": "2.5/5 (2)",
        "name": "Agent reviews"
      }
    ],
    "faq": [
      {
        "answer": "Basiq scores 60.4 (C) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on agent ergonomics and maintenance \u0026 community.",
        "question": "Which is better for AI agents, Basiq or Yapily?"
      },
      {
        "answer": "Both need an API key.",
        "question": "Do Basiq and Yapily need an API key?"
      },
      {
        "answer": "Yes. Basiq has a hosted endpoint at https://au-api.basiq.io and Yapily at https://api.yapily.com.",
        "question": "Can an agent call Basiq and Yapily without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 70 against 55",
          "Security \u0026 auth, 55 against 37",
          "Payments \u0026 pricing, 20 against 10"
        ],
        "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, 77 against 62",
          "Maintenance \u0026 community, 67 against 48"
        ],
        "also": null,
        "goodFor": "UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.",
        "slug": "yapily",
        "watchFor": "No public pricing; live access starts with a sales form"
      }
    ],
    "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-yapily.json",
        "title": "Akoya vs Yapily",
        "url": "https://www.anchorterminal.com/compare/akoya-vs-yapily"
      },
      {
        "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-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-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-yapily.json",
        "title": "Belvo vs Yapily",
        "url": "https://www.anchorterminal.com/compare/belvo-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily.json",
        "title": "Enable Banking vs Yapily",
        "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/flinks-vs-yapily.json",
        "title": "Flinks vs Yapily",
        "url": "https://www.anchorterminal.com/compare/flinks-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.json",
        "title": "GoCardless Bank Account Data vs Yapily",
        "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/mx-vs-yapily.json",
        "title": "MX Platform API vs Yapily",
        "url": "https://www.anchorterminal.com/compare/mx-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plaid-vs-yapily.json",
        "title": "Plaid vs Yapily",
        "url": "https://www.anchorterminal.com/compare/plaid-vs-yapily"
      },
      {
        "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/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/teller-vs-yapily.json",
        "title": "Teller vs Yapily",
        "url": "https://www.anchorterminal.com/compare/teller-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/tink-vs-yapily.json",
        "title": "Tink vs Yapily",
        "url": "https://www.anchorterminal.com/compare/tink-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/truelayer-vs-yapily.json",
        "title": "TrueLayer vs Yapily",
        "url": "https://www.anchorterminal.com/compare/truelayer-vs-yapily"
      },
      {
        "json": "https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.json",
        "title": "Yapily vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data"
      }
    ],
    "scores": [
      {
        "basiq": 70,
        "by": 15,
        "edge": "basiq",
        "key": "reliability",
        "name": "Reliability",
        "weight": 16,
        "yapily": 55
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "basiq": 84,
        "by": 4,
        "edge": "yapily",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "weight": 13,
        "yapily": 88
      },
      {
        "basiq": 62,
        "by": 15,
        "edge": "yapily",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "weight": 13,
        "yapily": 77
      },
      {
        "basiq": 55,
        "by": 18,
        "edge": "basiq",
        "key": "security",
        "name": "Security \u0026 auth",
        "weight": 14,
        "yapily": 37
      },
      {
        "basiq": 20,
        "by": 10,
        "edge": "basiq",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "weight": 10,
        "yapily": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "basiq": 48,
        "by": 19,
        "edge": "yapily",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "weight": 7,
        "yapily": 67
      },
      {
        "basiq": 72,
        "by": 1,
        "edge": "basiq",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "weight": 7,
        "yapily": 71
      }
    ],
    "summary": "Basiq scores 60.4 (C) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on agent ergonomics and maintenance \u0026 community. 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.",
      "yapily": "llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/basiq-vs-yapily",
    "json": "https://www.anchorterminal.com/compare/basiq-vs-yapily.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/basiq-vs-yapily.md",
    "slim": "https://www.anchorterminal.com/compare/basiq-vs-yapily.min.md"
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  "markdown": "Basiq scores 60.4 (C) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on agent ergonomics and maintenance \u0026 community. 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- Yapily: grade C, 57.6/100, rank #603 of 950. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.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 55\n- Security \u0026 auth, 55 against 37\n- Payments \u0026 pricing, 20 against 10\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### Yapily (C)\n\nGood for: UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.\n\nAhead on:\n- Agent ergonomics, 77 against 62\n- Maintenance \u0026 community, 67 against 48\n\nWatch for: No public pricing; live access starts with a sales form\n\n\n## Score by category\n\n| Category | Weight | Basiq | Yapily | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 55 | Basiq +15 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 84 | 88 | Yapily +4 |\n| Agent ergonomics | 13% (16.2 this run) | 62 | 77 | Yapily +15 |\n| Security \u0026 auth | 14% (17.5 this run) | 55 | 37 | Basiq +18 |\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 | 67 | Yapily +19 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 72 | 71 | Basiq +1 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **60.4 · C** | **57.6 · C** | |\n\n## Facts side by side\n\n| Fact | Basiq | Yapily |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Basiq Pty Ltd (Cuscal Limited) | Yapily |\n| Hosted endpoint | `https://au-api.basiq.io` | `https://api.yapily.com` |\n| Transports | HTTP, Streamable HTTP | HTTP, Streamable 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 | MIT (SDKs) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-30 | 2025-06-30 |\n| Terms last updated | no date given | 2022-12-05 |\n| Privacy policy last updated | no date given | no date given |\n| Customer content may train models | not found in the text | yes |\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| Popularity | none | 14 stars, 50 npm/wk |\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**Yapily.** llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.\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### Yapily\n\n1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch\n2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty\n3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation\n4. Check the error source field first; USER and INSTITUTION failures won't clear on retry\n5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days\n\n## Questions\n\n### Which is better for AI agents, Basiq or Yapily?\n\nBasiq scores 60.4 (C) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on agent ergonomics and maintenance \u0026 community.\n\n### Do Basiq and Yapily need an API key?\n\nBoth need an API key.\n\n### Can an agent call Basiq and Yapily without installing anything?\n\nYes. Basiq has a hosted endpoint at https://au-api.basiq.io and Yapily at https://api.yapily.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-yapily.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-yapily.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"basiq\", \"b\": \"yapily\"}`. From a terminal: `anchor compare basiq yapily`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/yapily.json\n\n## Other comparisons with Basiq or Yapily\n\n- [Akoya vs Basiq](https://www.anchorterminal.com/compare/akoya-vs-basiq.md)\n- [Akoya vs Yapily](https://www.anchorterminal.com/compare/akoya-vs-yapily.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 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 Yodlee Core API](https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md)\n- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)\n- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)\n- [Flinks vs Yapily](https://www.anchorterminal.com/compare/flinks-vs-yapily.md)\n- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)\n- [MX Platform API vs Yapily](https://www.anchorterminal.com/compare/mx-vs-yapily.md)\n- [Plaid vs Yapily](https://www.anchorterminal.com/compare/plaid-vs-yapily.md)\n- [Powens vs Yapily](https://www.anchorterminal.com/compare/powens-vs-yapily.md)\n- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)\n- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)\n- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)\n- [Yapily vs Yodlee Core API](https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.md)\n",
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    "docs": "https://www.anchorterminal.com/docs/",
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    "description": "Basiq scores 60.4 (C) to Yapily's 57.6 (C) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.",
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    "published": "2026-10-01",
    "section": "tools",
    "title": "Basiq vs Yapily for AI agents in 2026: scores and prices",
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