# Belvo vs Powens

> Belvo scores 63.5 (B) to Powens's 42.6 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-powens
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-powens.md (~2,400 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-powens.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-vs-powens.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-09

Belvo scores 63.5 (B) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Both do bank account data.

- Belvo: grade B, 63.5/100, rank #391 of 950. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json
- Powens: grade E, 42.6/100, rank #892 of 950. Markdown https://www.anchorterminal.com/tools/powens.md · JSON https://www.anchorterminal.com/api/v1/tools/powens.json
- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md
- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md

## Which one, for what

### Belvo (B)

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

Ahead on:
- Reliability, 84 against 27
- Schema & documentation, 80 against 48
- Agent ergonomics, 80 against 57
- Payments & pricing, 20 against 10

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

### Powens (E)

Good for: A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.

Watch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables


## Score by category

| Category | Weight | Belvo | Powens | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 27 | Belvo +57 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 48 | Belvo +32 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 57 | Belvo +23 |
| Security & auth | 14% (17.5 this run) | 57 | 60 | Powens +3 |
| Payments & pricing | 10% (12.5 this run) | 20 | 10 | Belvo +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 30 | 33 | Powens +3 |
| Transparency & trust | 7% (8.8 this run) | 64 | 63 | Belvo +1 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **42.6 · E** | |

## Facts side by side

| Fact | Belvo | Powens |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | Powens SAS |
| Hosted endpoint | `https://api.belvo.com` | `https://{domain}.biapi.pro/2.0` |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth or key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT | Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 |
| Read-only variant documented | no | yes |
| llms.txt | yes | yes |
| Last release | 2026-08-10 | none |
| Terms last updated | 2025-01-10 | no date given |
| Privacy policy last updated | 2021-02-22 | no date given |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | not found in the text | not found in the text |
| Terms or service can change without notice | yes | not found in the text |
| Arbitration or class-action waiver | not found in the text | not found in the text |
| Popularity | 1.1k npm/wk, 240 PyPI/wk | none |

## Verdicts

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

**Powens.** Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.

## Before you call either

### Belvo

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

### Powens

1. Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`
2. Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given
3. Enable an account with `POST` and `{"disabled": false}` only after the account holder consents. Accounts arrive disabled with no transactions
4. Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header
5. Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks

## Questions

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

Belvo scores 63.5 (B) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories.

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

Belvo needs an API key. Powens takes an API key or an OAuth sign-in.

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

Yes. Belvo has a hosted endpoint at https://api.belvo.com and Powens at https://{domain}.biapi.pro/2.0.


## For agents

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

## Other comparisons with Belvo or Powens

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