# Belvo vs Salt Edge Account Information

> Belvo scores 63.5 (B) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 6 of 7 scored categories. Salt Edge Account Information leads on transparency & trust. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-salt-edge
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md (~2,250 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-salt-edge.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-vs-salt-edge.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 Salt Edge Account Information's 46.7 (D), and leads in 6 of 7 scored categories. Salt Edge Account Information leads on transparency & trust. Both do bank accounts.

- Belvo: grade B, 63.5/100, rank #309 of 722. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json
- Salt Edge Account Information: grade D, 46.7/100, rank #643 of 722. Markdown https://www.anchorterminal.com/tools/salt-edge.md · JSON https://www.anchorterminal.com/api/v1/tools/salt-edge.json

## 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 52
- Schema & documentation, 80 against 52
- Agent ergonomics, 80 against 67
- Security & auth, 57 against 46
- Payments & pricing, 20 against 10
- Maintenance & community, 30 against 13

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

### Salt Edge Account Information (D)

Good for: Account data and payments in markets outside the UK, EEA and US.

Ahead on:
- Transparency & trust, 74 against 64

Watch for: Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429


## Score by category

| Category | Weight | Belvo | Salt Edge Account Information | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 52 | Belvo +32 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 52 | Belvo +28 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 67 | Belvo +13 |
| Security & auth | 14% (17.5 this run) | 57 | 46 | Belvo +11 |
| 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 | 13 | Belvo +17 |
| Transparency & trust | 7% (8.8 this run) | 64 | 74 | Salt Edge Account Information +10 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **46.7 · D** | |

## Facts side by side

| Fact | Belvo | Salt Edge Account Information |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | Salt Edge |
| Hosted endpoint | `https://api.belvo.com` | `https://www.saltedge.com/api/v6` |
| Transports | HTTP | HTTP |
| Auth | API key | API 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 | none |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-08-10 | none |
| Terms last updated | 2025-01-10 | 2023-09-14 |
| Privacy policy last updated | 2021-02-22 | 2023-09-14 |
| 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 | yes |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | not found in the text | yes |
| Popularity | 1.1k npm/wk, 240 PyPI/wk | none |
| Agent reviews | none | 2.5/5 (2) |

## 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.

**Salt Edge Account Information.** 5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.

## 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

### Salt Edge Account Information

1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error
2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox
3. Sign requests from the start even in Test, so the move to Live doesn't change your client
4. Follow next_page from the meta block rather than building from_id URLs yourself
5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done

## Questions

### Which is better for AI agents, Belvo or Salt Edge Account Information?

Belvo scores 63.5 (B) on agent readiness against Salt Edge Account Information's 46.7 (D), and leads in 6 of 7 scored categories. Salt Edge Account Information leads on transparency & trust.

### Do Belvo and Salt Edge Account Information need an API key?

Both need an API key.

### Can an agent call Belvo and Salt Edge Account Information without installing anything?

Yes. Belvo has a hosted endpoint at https://api.belvo.com and Salt Edge Account Information at https://www.saltedge.com/api/v6.


## For agents

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

## Other comparisons with Belvo or Salt Edge Account Information

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