{ "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 The home page does not link that page, so the figures may be out of date.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 Yodlee Core API's 41.9 (E), and leads in every scored category.", "b": { "slug": "yodlee-financial-data", "name": "Yodlee Core API", "vendor": "Yodlee, Inc.", "vendorUrl": "https://www.yodlee.com", "kind": "http-api", "category": "banking-data", "summary": "Yodlee's Core API (v1.1) aggregates a consumer's bank, card, investment, loan and insurance accounts for balances, categorised transactions, holdings, statements and account-owner details. Consumers link accounts through the embedded FastLink 4 widget.", "url": "https://www.anchorterminal.com/tools/yodlee-financial-data", "markdownUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json", "repo": "https://github.com/Yodlee/OpenAPI", "license": "Proprietary service. The Swagger file on GitHub is MIT", "transports": [ "http" ], "packages": [], "auth": "oauth", "authNotes": "Self-serve for the sandbox. Registering on the developer portal gives a `clientId`, a `secret` and an admin `loginName` on the API dashboard. `POST /auth/token` takes the id and secret in a form body and a `loginName` header, and returns a bearer token that lasts 30 minutes and acts for that user, or for the admin on administrative calls. Every call also sends `Api-Version: 1.1`. Each environment (sandbox, development, production) has its own credentials. How production access is granted is not stated in the public docs. Full account numbers and holder details need Yodlee Security Office approval.", "pricing": "paid", "pricingNotes": "No public price. `/pricing` returns 404 on yodlee.com and on the developer portal, and product pages ask for a demo. The sandbox is free on registration, with five preconfigured users and sample data only, so an agent's owner can test without a contract (checked 2026-10-08).", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the developer docs, the Swagger file or yodlee.com (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 17, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://developer.yodlee.com/resources/yodlee/yodlee-api-overview/docs", "openapi": "https://raw.githubusercontent.com/Yodlee/OpenAPI/main/swagger.yaml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.consent" ], "tags": [ "hosted", "oauth", "openapi", "sandbox", "webhooks", "sales-led", "closed-source", "enterprise", "soc2" ], "lastRelease": "2026-07-31", "graded": true, "anchor": { "graded": true, "score": 41.9, "grade": "E", "agentReady": false, "rank": 900, "ranked": true, "rankOf": 950, "categoryRank": 14, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 58, "maintenance": 33, "payments": 15, "reliability": 15, "schema": 71, "security": 49, "transparency": 53 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.", "bestFor": "A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.", "strengths": [ "Public Swagger 2.0 file on GitHub (MIT) with 98 operations, 267 definitions and `Y`-prefixed error codes listed per operation", "Access tokens expire after 30 minutes, are bound to one end user's `loginName`, and can be revoked with `DELETE /auth/token`", "Free sandbox on registration with five preconfigured test users, per the docs", "Consent endpoints list, renew and record open banking consents, and `DELETE /user/unregister` removes a user and their data", "The Security FAQ states an annual SOC 2 Type 2 assessment, PCI DSS 4.0.1 Level One certification and yearly third-party penetration tests" ], "weaknesses": [ "No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404", "No status page, rate limit, 429 guidance, idempotency key or SLA was found in the pages read", "No official server SDK. Yodlee's docs tell developers to generate a client from the Swagger file", "The Swagger file was last updated on 22 April 2026 to the November 2025 release and lacks fields added in June and July 2026, such as `isCrypto`", "The sandbox cannot register new users, and full account numbers and holder details need Yodlee Security Office approval", "The privacy notice covers only Yodlee's own consumer services and websites, and no DPA or sub-processor list is public" ], "agentNotes": [ "Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes", "Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data", "In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there", "Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`", "A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`", "Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop" ], "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": 41.9 } ], "editorialScores": { "ergonomics": 58, "maintenance": 33, "payments": 15, "reliability": 15, "schema": 71, "security": 49, "transparency": 32 }, "provenanceScore": 73 }, "connect": { "http": "POST /auth/token\nApi-Version: 1.1\nloginName: \u003cloginName\u003e\nContent-Type: application/x-www-form-urlencoded\n\nclientId=\u003cclientId\u003e\u0026secret=\u003csecret\u003e" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/yodlee-financial-data" }, "area": "domain-data", "provenance": { "legalEntity": "Yodlee, Inc.", "domain": "yodlee.com", "domainRegistered": "1999-02-09", "endpointOnVendorDomain": null, "terms": "", "privacy": "", "statusPage": "", "changelog": "https://developer.yodlee.com/resources/yodlee", "securityTxt": "none", "checked": "2026-10-08", "notes": [ "The privacy notice names Yodlee, Inc. and its subsidiaries Yodlee Credit, LLC, Yodlee Data Services, LLC and Yodlee Infotech Private Limited. The company page says Yodlee was acquired by Envestnet in 2015 and joined the STG portfolio in 2025.", "`terms` is left out. No service agreement or developer terms are published. The Swagger file gives https://developer.yodlee.com/terms/condition as its terms of service, and that address returns 404.", "`privacy` is left out. The privacy notice at https://www.yodlee.com/legal/privacy-notice says it applies to Yodlee's direct-to-consumer services and websites, and that a client's own privacy practices apply to services delivered through a Yodlee client, which is how API data is handled.", "`endpointOnVendorDomain` is null. The public docs print API paths without a host, and the host is given with the credentials on a dashboard we did not read.", "No status page is linked from yodlee.com or the developer portal, and status.yodlee.com did not answer.", "https://www.yodlee.com/.well-known/security.txt returns the home page, and the same path on developer.yodlee.com returns 404.", "Verisign's RDAP server gives a registration date of 1999-02-09 and CSC Corporate Domains, Inc. as registrar." ], "score": 73 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.json", "live": { "slug": "yodlee-financial-data", "versions": [ { "registry": "github", "name": "Yodlee/OpenAPI", "version": "sep2025", "released": "2025-10-22", "seenAt": "2026-10-09T17:29:18.232477111Z" } ], "githubStars": 17, "securityTxt": { "url": "https://yodlee.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:40:20.54741355Z" }, "pages": [ { "url": "https://developer.yodlee.com/resources/yodlee", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:35:28.970241298Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "a4a82bc1e084" } ], "updatedAt": "2026-10-09T18:35:28.970241298Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Basiq Pty Ltd (Cuscal Limited)", "b": "Yodlee, Inc.", "name": "Vendor" }, { "a": "https://au-api.basiq.io", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP, Streamable HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth", "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. The Swagger file on GitHub is MIT", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-09-30", "b": "2026-07-31", "name": "Last release" }, { "a": "no date given", "b": "no document linked", "name": "Terms last updated" }, { "a": "no date given", "b": "no document linked", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "yes", "b": "", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "none", "b": "17 stars", "name": "Popularity" } ], "faq": [ { "answer": "Basiq scores 60.4 (C) on agent readiness against Yodlee Core API's 41.9 (E), and leads in every scored category.", "question": "Which is better for AI agents, Basiq or Yodlee Core API?" }, { "answer": "Basiq needs an API key. Yodlee Core API uses an OAuth sign-in.", "question": "Do Basiq and Yodlee Core API need an API key?" }, { "answer": "Basiq has a hosted endpoint at https://au-api.basiq.io. No hosted endpoint is listed for Yodlee Core API.", "question": "Can an agent call Basiq and Yodlee Core API without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 70 against 15", "Schema \u0026 documentation, 84 against 71", "Security \u0026 auth, 55 against 49", "Payments \u0026 pricing, 20 against 15", "Maintenance \u0026 community, 48 against 33", "Transparency \u0026 trust, 72 against 53" ], "also": [ "A hosted endpoint, with nothing to install" ], "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": null, "also": null, "goodFor": "A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.", "slug": "yodlee-financial-data", "watchFor": "No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404" } ], "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-yodlee-financial-data.json", "title": "Akoya vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data" }, { "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-yapily.json", "title": "Basiq vs Yapily", "url": "https://www.anchorterminal.com/compare/basiq-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.json", "title": "Belvo vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.json", "title": "Enable Banking vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.json", "title": "Flinks vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.json", "title": "GoCardless Bank Account Data vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.json", "title": "MX Platform API vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.json", "title": "Plaid vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data" }, { "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" }, { "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" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.json", "title": "Teller vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.json", "title": "Tink vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.json", "title": "TrueLayer vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data" }, { "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": 55, "edge": "basiq", "key": "reliability", "name": "Reliability", "weight": 16, "yodlee-financial-data": 15 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "basiq": 84, "by": 13, "edge": "basiq", "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "yodlee-financial-data": 71 }, { "basiq": 62, "by": 4, "edge": "basiq", "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "yodlee-financial-data": 58 }, { "basiq": 55, "by": 6, "edge": "basiq", "key": "security", "name": "Security \u0026 auth", "weight": 14, "yodlee-financial-data": 49 }, { "basiq": 20, "by": 5, "edge": "basiq", "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "yodlee-financial-data": 15 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "basiq": 48, "by": 15, "edge": "basiq", "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "yodlee-financial-data": 33 }, { "basiq": 72, "by": 19, "edge": "basiq", "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "yodlee-financial-data": 53 } ], "summary": "Basiq scores 60.4 (C) on agent readiness against Yodlee Core API's 41.9 (E), and leads in every scored category. 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.", "yodlee-financial-data": "A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data", "json": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md", "slim": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.min.md" }, "markdown": "Basiq scores 60.4 (C) on agent readiness against Yodlee Core API's 41.9 (E), and leads in every scored category. 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- Yodlee Core API: grade E, 41.9/100, rank #900 of 950. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.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 15\n- Schema \u0026 documentation, 84 against 71\n- Security \u0026 auth, 55 against 49\n- Payments \u0026 pricing, 20 against 15\n- Maintenance \u0026 community, 48 against 33\n- Transparency \u0026 trust, 72 against 53\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\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### Yodlee Core API (E)\n\nGood for: A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.\n\nWatch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404\n\n\n## Score by category\n\n| Category | Weight | Basiq | Yodlee Core API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 15 | Basiq +55 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 84 | 71 | Basiq +13 |\n| Agent ergonomics | 13% (16.2 this run) | 62 | 58 | Basiq +4 |\n| Security \u0026 auth | 14% (17.5 this run) | 55 | 49 | Basiq +6 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 15 | Basiq +5 |\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 | 53 | Basiq +19 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **60.4 · C** | **41.9 · E** | |\n\n## Facts side by side\n\n| Fact | Basiq | Yodlee Core API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Basiq Pty Ltd (Cuscal Limited) | Yodlee, Inc. |\n| Hosted endpoint | `https://au-api.basiq.io` | no (local only) |\n| Transports | HTTP, Streamable HTTP | HTTP |\n| Auth | API key | OAuth |\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. The Swagger file on GitHub is MIT |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-09-30 | 2026-07-31 |\n| Terms last updated | no date given | no document linked |\n| Privacy policy last updated | no date given | no document linked |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | yes | |\n| Terms or service can change without notice | not found in the text | |\n| Arbitration or class-action waiver | not found in the text | |\n| Popularity | none | 17 stars |\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**Yodlee Core API.** A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.\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### Yodlee Core API\n\n1. Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes\n2. Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data\n3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there\n4. Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`\n5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`\n6. Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop\n\n## Questions\n\n### Which is better for AI agents, Basiq or Yodlee Core API?\n\nBasiq scores 60.4 (C) on agent readiness against Yodlee Core API's 41.9 (E), and leads in every scored category.\n\n### Do Basiq and Yodlee Core API need an API key?\n\nBasiq needs an API key. Yodlee Core API uses an OAuth sign-in.\n\n### Can an agent call Basiq and Yodlee Core API without installing anything?\n\nBasiq has a hosted endpoint at https://au-api.basiq.io. No hosted endpoint is listed for Yodlee Core API.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"basiq\", \"b\": \"yodlee-financial-data\"}`. From a terminal: `anchor compare basiq yodlee-financial-data`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/basiq.json and https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json\n\n## Other comparisons with Basiq or Yodlee Core API\n\n- [Akoya vs Basiq](https://www.anchorterminal.com/compare/akoya-vs-basiq.md)\n- [Akoya vs Yodlee Core API](https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.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 Yapily](https://www.anchorterminal.com/compare/basiq-vs-yapily.md)\n- [Belvo vs Yodlee Core API](https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.md)\n- [Enable Banking vs Yodlee Core API](https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.md)\n- [Flinks vs Yodlee Core API](https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.md)\n- [GoCardless Bank Account Data vs Yodlee Core API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.md)\n- [MX Platform API vs Yodlee Core API](https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md)\n- [Plaid vs Yodlee Core API](https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.md)\n- [Powens vs Yodlee Core API](https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.md)\n- [Salt Edge Account Information vs Yodlee Core API](https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.md)\n- [Teller vs Yodlee Core API](https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.md)\n- [Tink vs Yodlee Core API](https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.md)\n- [TrueLayer vs Yodlee Core API](https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.md)\n- [Yapily vs Yodlee Core API](https://www.anchorterminal.com/compare/yapily-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 Yodlee Core API", "url": "" } ], "description": "Basiq scores 60.4 (C) to Yodlee Core's 41.9 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Basiq C 60.4", "Yodlee Core API E 41.9", "scores" ], "h1": "Basiq vs Yodlee Core API", "image": "https://www.anchorterminal.com/assets/og/compare-basiq-vs-yodlee-financial-data.png", "path": "/compare/basiq-vs-yodlee-financial-data", "published": "2026-10-01", "section": "tools", "title": "Basiq vs Yodlee Core for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data" }, "tokens": { "markdown": 2600, "slim": 680 }, "version": 1 }