{ "data": { "a": { "slug": "belvo", "name": "Belvo", "vendor": "Belvo", "vendorUrl": "https://belvo.com", "kind": "http-api", "category": "banking-data", "summary": "Belvo is an open finance API for Latin America. It reads bank accounts, transactions and investments in Brazil, employment records in Brazil and Mexico and tax data in Mexico, and starts Pix payments in Brazil and direct debits in Mexico.", "url": "https://www.anchorterminal.com/tools/belvo", "markdownUrl": "https://www.anchorterminal.com/tools/belvo.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/belvo.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/belvo.json", "license": "Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT", "transports": [ "http" ], "remoteUrl": "https://api.belvo.com", "packages": [ { "registry": "npm", "name": "belvo" }, { "registry": "pypi", "name": "belvo-python" } ], "auth": "api-key", "authNotes": "HTTP Basic with a `secretId` and `secretPassword` generated in the dashboard, one pair for each environment. The password is shown once and a lost one means resetting the keys. No scopes or read-only keys were found. Sandbox keys are self-serve after email sign-up. Production keys follow a request to Belvo, a sales meeting and a certification call. End users connect accounts in the Hosted Widget, started with a 10 minute token from POST /api/token/. The Direct Debit API in Mexico has its own keys and optional IP allowlisting set up by support.", "pricing": "paid", "pricingNotes": "The Launch plan is 1,000 USD a month and Growth is priced by sales, both through Contact Sales (https://belvo.com/plans-and-pricing/). No per-call or per-link price is published, and the terms put the price in a signed Service Order with a 12 month term. The sandbox is free, self-serve and for testing only, so an agent can start without a contract but can't reach real accounts. Changing the refresh rate of recurrent links is priced by sales.", "priceSummary": "$1000 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the developer docs, the OpenAPI file or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 1084, "pypiWeekly": 240, "asOf": "2026-10-08" }, "docsUrl": "https://developers.belvo.com/", "llmsTxt": "https://developers.belvo.com/llms.txt", "openapi": "https://developers.belvo.com/_bundle/apis/BelvoOpenApiSpec.yaml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "openapi", "llms-txt", "api-key", "webhooks", "sandbox", "brazil", "mexico", "latin-america", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-08-10", "graded": true, "anchor": { "graded": true, "score": 63.5, "grade": "B", "agentReady": false, "rank": 279, "ranked": true, "rankOf": 629, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 80, "maintenance": 30, "payments": 20, "reliability": 84, "schema": 80, "security": 57, "transparency": 64 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "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.", "bestFor": "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.", "strengths": [ "Public OpenAPI 3.0.2 file, version 1.223.0, with 146 operations on 83 paths, and a separate specification for Direct Debit in Mexico", "llms.txt lists a Markdown twin of every docs page in English, Spanish and Portuguese", "List endpoints take `fields`, `omit`, `page_size` up to 1,000 and range filters on dates and amounts", "Retention is set per link and per call with `stale_in`, `credentials_storage` and `save_data`", "ISO/IEC 27001:2022 and PCI DSS Level 1 are stated on the security page" ], "weaknesses": [ "Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month", "One `secretId` and `secretPassword` pair per environment over HTTP Basic, with no scopes or read-only keys found", "No changelog was found, and the Python, Node and Ruby packages were last published in 2023 with their GitHub repositories returning 404", "Bank data covers Brazil only in the docs read on 8 October 2026, and Mexico has employment, fiscal and direct debit products", "security.txt expired on 22 March 2025", "General rate limits carry no published numbers, and the data webhooks have no signature, only an optional fixed authorisation header" ], "agentNotes": [ "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", "Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes", "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", "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`", "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" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 63.5 } ], "editorialScores": { "ergonomics": 80, "maintenance": 30, "payments": 20, "reliability": 84, "schema": 80, "security": 57, "transparency": 46 }, "provenanceScore": 81 }, "connect": { "http": "curl -X GET https://sandbox.belvo.com/api/ \\\n -H \"Authorization: Basic $(echo -n 'YOUR_SECRET_ID:YOUR_SECRET_PASSWORD' | base64)\"", "claudeCode": "claude mcp add --transport http belvo-docs https://developers.belvo.com/mcp", "config": { "mcpServers": { "belvo-docs": { "type": "http", "url": "https://developers.belvo.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/belvo" }, "area": "domain-data", "unitPrices": [ { "item": "Launch plan", "unit": "month", "usd": 1000, "note": "Production access, through sales. Growth plan is custom" } ], "provenance": { "legalEntity": "Belvo Tecnologias Ltda.", "domain": "belvo.com", "domainRegistered": "2005-07-17", "endpointOnVendorDomain": true, "terms": "https://belvo.com/terms-service/", "privacy": "https://belvo.com/privacy-policy-end-users/", "statusPage": "https://status.belvo.com", "changelog": "", "securityTxt": "expired", "checked": "2026-10-08", "notes": [ "The General Conditions of Service Usage, last updated 10 January 2025, define Belvo as Belvo Tecnologias Ltda., CNPJ 37.869.837/0001-81, and Belvo Instituição de Pagamento Ltda., CNPJ 43.215.815/0001-09, with affiliates. They are governed by Brazilian law with the courts of São Paulo.", "The legal notice also names Belvo Technologies, SAPI de CV in Mexico City (RFC BTE1912023D6) and Belvo Technologies Inc. Sucursal en España in Barcelona.", "The privacy link is the end-user policy, which covers data Belvo processes through its platform for clients. A separate policy for clients and site visitors at https://belvo.com/privacy-policy-clients/ was last updated 15 July 2024.", "security.txt is PGP-signed, gives security@belvo.com and a disclosure policy on Federacy, and expired on 22 March 2025.", "No changelog was found. developers.belvo.com/changelog returns 404 and llms.txt lists none.", "Verisign RDAP gives a registration date of 2005-07-17 for belvo.com." ], "score": 81 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/belvo.json", "live": { "slug": "belvo", "probe": { "target": "https://api.belvo.com", "method": "get", "lastAt": "2026-10-08T19:08:40.813449073Z", "lastOk": true, "lastStatus": 403, "lastMs": 46, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 48, "p95ms24h": 91, "samples24h": 19, "samples30d": 19, "days": [ { "date": "2026-10-08", "probes": 19, "ok": 19 } ] }, "vendorStatus": { "page": "https://status.belvo.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T19:06:27.501694189Z" }, "pages": [ { "url": "https://belvo.com/plans-and-pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:15:32.924207659Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e45bde6abe6f" }, { "url": "https://belvo.com/privacy-policy-end-users/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:15:35.22055183Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "44ff1673e0c9" }, { "url": "https://belvo.com/terms-service/", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:15:55.309282506Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "fc9af45fbdce" } ], "updatedAt": "2026-10-08T19:08:40.813449073Z" } }, "answer": "Belvo scores 63.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments \u0026 pricing.", "b": { "slug": "teller", "name": "Teller", "vendor": "Teller", "vendorUrl": "https://teller.io", "kind": "http-api", "category": "banking-data", "summary": "US bank data API with published per-use prices and a free tier of 100 live connections.", "url": "https://www.anchorterminal.com/tools/teller", "markdownUrl": "https://www.anchorterminal.com/tools/teller.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/teller.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/teller.json", "repo": "https://github.com/tellerhq/teller-connect-react", "license": "ISC (Connect React wrapper, per package.json)", "transports": [ "http" ], "remoteUrl": "https://api.teller.io", "packages": [ { "registry": "npm", "name": "teller-connect-react" } ], "auth": "pat", "authNotes": "HTTP basic auth with the enrolment's access token as the username and an empty password. Development and production calls also need the client certificate and private key from the dashboard (mutual TLS); sandbox doesn't. Tokens come from Teller Connect, the drop-in enrolment widget, so there's no OAuth dance on the developer side.", "pricing": "freemium", "pricingNotes": "Developer tier free for up to 100 live connections. Production is per use. Verify $1.50 per account, Balance $0.10 per API call, Transactions $0.30 per enrolment per month, Identity $1.75 per API call. Enterprise is custom volume pricing (https://teller.io/). Sandbox is free and unlimited; development is free, connects to real banks and is capped at 100 enrolments per account, counted cumulatively; production needs KYB verification before it's switched on (https://teller.io/docs/guides/environments).", "priceSummary": "$0.10 / call", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 10, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://teller.io/docs", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "freemium", "free-tier", "usage-priced", "webhooks", "closed-source" ], "lastRelease": "2025-03-18", "graded": true, "anchor": { "graded": true, "score": 42.7, "grade": "E", "agentReady": false, "rank": 585, "ranked": true, "rankOf": 629, "categoryRank": 8, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 80, "maintenance": 8, "payments": 40, "reliability": 23, "schema": 44, "security": 49, "transparency": 42 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Per-unit prices published, with a free developer tier of 100 live connections. US only.", "bestFor": "Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.", "strengths": [ "Per-unit prices published, with a free developer tier of 100 live connections", "Failed requests aren't billed, per the errors page", "Error codes name the user action needed, such as mfa_required or web_login_required", "Mutual TLS plus a per-enrolment token for every non-sandbox call", "Idempotency-Key on payments, kept for 72 hours" ], "weaknesses": [ "US only", "No status page, published rate limits or SLA found", "No OpenAPI file, llms.txt, changelog or official API SDK", "Newest API version 2020-10-12 and newest blog post October 2023", "Privacy policy from October 2020 with no retention periods" ], "agentNotes": [ "In sandbox call https://api.teller.io/accounts with -u \"$TELLER_ACCESS_TOKEN:\" and no certificate; add the client certificate only for development and production", "On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help", "Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you", "Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date", "Send an Idempotency-Key on every payment request; keys are kept for 72 hours" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 42.7 } ], "editorialScores": { "ergonomics": 80, "maintenance": 8, "payments": 40, "reliability": 23, "schema": 44, "security": 49, "transparency": 35 }, "provenanceScore": 49 }, "connect": { "http": "curl https://api.teller.io/accounts -u \"$TELLER_ACCESS_TOKEN:\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/teller" }, "area": "domain-data", "unitPrices": [ { "item": "Transactions", "unit": "account-month", "usd": 0.3, "note": "Per enrolment per month" }, { "item": "Balance", "unit": "call", "usd": 0.1 }, { "item": "Identity", "unit": "call", "usd": 1.75 }, { "item": "Verify", "unit": "record", "usd": 1.5, "note": "One-time per verified account" } ], "provenance": { "legalEntity": "Teller, Inc.", "domain": "teller.io", "domainRegistered": "", "endpointOnVendorDomain": true, "terms": "https://teller.io/legal/developer/terms", "privacy": "https://teller.io/legal/developer/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "Teller, Inc. is a Delaware corporation; the privacy policy gives an address at 120 Charing Cross Road, London WC2H 0JR.", "The legal index was last revised 16 February 2021.", "status.teller.io doesn't resolve, and we found no other status page.", "The .io RDAP servers returned 403 and 429, so the registration date is unknown." ], "score": 49 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/teller.json", "live": { "slug": "teller", "probe": { "target": "https://api.teller.io", "method": "get", "lastAt": "2026-10-08T19:09:00.079222644Z", "lastOk": true, "lastStatus": 200, "lastMs": 470, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 458, "p95ms24h": 547, "samples24h": 272, "samples30d": 1933, "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": 217, "ok": 217 } ] }, "versions": [ { "registry": "npm", "name": "teller-connect-react", "version": "0.2.3", "seenAt": "2026-10-08T16:31:34.942178299Z" } ], "githubStars": 10, "npmWeekly": 1386, "securityTxt": { "url": "https://teller.io/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-08T15:38:47.282957501Z" }, "domain": { "domain": "teller.io", "checkedAt": "2026-10-04T13:09:09.691296487Z" }, "pages": [ { "url": "https://teller.io/legal/developer/privacy", "kind": "privacy", "status": 304, "checkedAt": "2026-10-08T18:25:06.666012241Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "10ac794a00cf" }, { "url": "https://teller.io/legal/developer/terms", "kind": "terms", "status": 304, "checkedAt": "2026-10-08T18:25:08.824767094Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "99084d856dfa" } ], "updatedAt": "2026-10-08T19:09:00.079222644Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Belvo", "b": "Teller", "name": "Vendor" }, { "a": "https://api.belvo.com", "b": "https://api.teller.io", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "Token", "name": "Auth" }, { "a": "Paid", "b": "Freemium", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT", "b": "ISC (Connect React wrapper, per package.json)", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-08-10", "b": "2025-03-18", "name": "Last release" }, { "a": "2025-01-10", "b": "2021-06-18", "name": "Terms last updated" }, { "a": "2021-02-22", "b": "2020-10-12", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "yes", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "1.1k npm/wk, 240 PyPI/wk", "b": "10 stars", "name": "Popularity" }, { "a": "none", "b": "2/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Belvo scores 63.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments \u0026 pricing.", "question": "Which is better for AI agents, Belvo or Teller?" }, { "answer": "Belvo needs an API key. Teller needs an access token.", "question": "Do Belvo and Teller need an API key?" }, { "answer": "Yes. Belvo has a hosted endpoint at https://api.belvo.com and Teller at https://api.teller.io.", "question": "Can an agent call Belvo and Teller without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 84 against 23", "Schema \u0026 documentation, 80 against 44", "Security \u0026 auth, 57 against 49", "Maintenance \u0026 community, 30 against 8", "Transparency \u0026 trust, 64 against 42" ], "also": null, "goodFor": "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.", "slug": "belvo", "watchFor": "Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month" }, { "aheadOn": [ "Payments \u0026 pricing, 40 against 20" ], "also": null, "goodFor": "Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.", "slug": "teller", "watchFor": "US only" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "json": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking.json", "title": "Belvo vs Enable Banking", "url": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.json", "title": "Belvo vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-plaid.json", "title": "Belvo vs Plaid", "url": "https://www.anchorterminal.com/compare/belvo-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge.json", "title": "Belvo vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-tink.json", "title": "Belvo vs Tink", "url": "https://www.anchorterminal.com/compare/belvo-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-truelayer.json", "title": "Belvo vs TrueLayer", "url": "https://www.anchorterminal.com/compare/belvo-vs-truelayer" }, { "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-teller.json", "title": "Enable Banking vs Teller", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.json", "title": "GoCardless Bank Account Data vs Teller", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-teller.json", "title": "Plaid vs Teller", "url": "https://www.anchorterminal.com/compare/plaid-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-teller.json", "title": "Salt Edge Account Information vs Teller", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-tink.json", "title": "Teller vs Tink", "url": "https://www.anchorterminal.com/compare/teller-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-truelayer.json", "title": "Teller vs TrueLayer", "url": "https://www.anchorterminal.com/compare/teller-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-yapily.json", "title": "Teller vs Yapily", "url": "https://www.anchorterminal.com/compare/teller-vs-yapily" } ], "scores": [ { "belvo": 84, "by": 61, "edge": "belvo", "key": "reliability", "name": "Reliability", "teller": 23, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "belvo": 80, "by": 36, "edge": "belvo", "key": "schema", "name": "Schema \u0026 documentation", "teller": 44, "weight": 13 }, { "belvo": 80, "by": 0, "edge": "", "key": "ergonomics", "name": "Agent ergonomics", "teller": 80, "weight": 13 }, { "belvo": 57, "by": 8, "edge": "belvo", "key": "security", "name": "Security \u0026 auth", "teller": 49, "weight": 14 }, { "belvo": 20, "by": 20, "edge": "teller", "key": "payments", "name": "Payments \u0026 pricing", "teller": 40, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "belvo": 30, "by": 22, "edge": "belvo", "key": "maintenance", "name": "Maintenance \u0026 community", "teller": 8, "weight": 7 }, { "belvo": 64, "by": 22, "edge": "belvo", "key": "transparency", "name": "Transparency \u0026 trust", "teller": 42, "weight": 7 } ], "summary": "Belvo scores 63.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments \u0026 pricing. Both do bank accounts.", "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.", "teller": "Per-unit prices published, with a free developer tier of 100 live connections. US only." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/belvo-vs-teller", "json": "https://www.anchorterminal.com/compare/belvo-vs-teller.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/belvo-vs-teller.md", "slim": "https://www.anchorterminal.com/compare/belvo-vs-teller.min.md" }, "markdown": "Belvo scores 63.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments \u0026 pricing. Both do bank accounts.\n\n- Belvo: grade B, 63.5/100, rank #279 of 629. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json\n- Teller: grade E, 42.7/100, rank #585 of 629. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json\n\n## Which one, for what\n\n### Belvo (B)\n\nGood 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.\n\nAhead on:\n- Reliability, 84 against 23\n- Schema \u0026 documentation, 80 against 44\n- Security \u0026 auth, 57 against 49\n- Maintenance \u0026 community, 30 against 8\n- Transparency \u0026 trust, 64 against 42\n\nWatch for: Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month\n\n### Teller (E)\n\nGood for: Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.\n\nAhead on:\n- Payments \u0026 pricing, 40 against 20\n\nWatch for: US only\n\n\n## Score by category\n\n| Category | Weight | Belvo | Teller | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 84 | 23 | Belvo +61 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 80 | 44 | Belvo +36 |\n| Agent ergonomics | 13% (16.2 this run) | 80 | 80 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 57 | 49 | Belvo +8 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 40 | Teller +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 30 | 8 | Belvo +22 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 64 | 42 | Belvo +22 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **63.5 · B** | **42.7 · E** | |\n\n## Facts side by side\n\n| Fact | Belvo | Teller |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Belvo | Teller |\n| Hosted endpoint | `https://api.belvo.com` | `https://api.teller.io` |\n| Transports | HTTP | HTTP |\n| Auth | API key | Token |\n| Pricing | Paid | Freemium |\n| x402 | no | no |\n| Licence | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT | ISC (Connect React wrapper, per package.json) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-08-10 | 2025-03-18 |\n| Terms last updated | 2025-01-10 | 2021-06-18 |\n| Privacy policy last updated | 2021-02-22 | 2020-10-12 |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | not found in the text |\n| Terms restrict benchmarking | not found in the text | yes |\n| Terms or service can change without notice | yes | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n| Popularity | 1.1k npm/wk, 240 PyPI/wk | 10 stars |\n| Agent reviews | none | 2/5 (2) |\n\n## Verdicts\n\n**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.\n\n**Teller.** Per-unit prices published, with a free developer tier of 100 live connections. US only.\n\n## Before you call either\n\n### Belvo\n\n1. 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\n2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes\n3. 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\n4. 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`\n5. 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\n\n### Teller\n\n1. In sandbox call https://api.teller.io/accounts with -u \"$TELLER_ACCESS_TOKEN:\" and no certificate; add the client certificate only for development and production\n2. On a 404 `enrollment.disconnected.*` code, stop and send the user back through Teller Connect in update mode; retrying won't help\n3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you\n4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date\n5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours\n\n## Questions\n\n### Which is better for AI agents, Belvo or Teller?\n\nBelvo scores 63.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments \u0026 pricing.\n\n### Do Belvo and Teller need an API key?\n\nBelvo needs an API key. Teller needs an access token.\n\n### Can an agent call Belvo and Teller without installing anything?\n\nYes. Belvo has a hosted endpoint at https://api.belvo.com and Teller at https://api.teller.io.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/belvo-vs-teller.json, and with the fewest tokens: https://www.anchorterminal.com/compare/belvo-vs-teller.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"belvo\", \"b\": \"teller\"}`. From a terminal: `anchor compare belvo teller`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/belvo.json and https://www.anchorterminal.com/api/v1/tools/teller.json\n\n## Other comparisons with Belvo or Teller\n\n- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)\n- [Belvo vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md)\n- [Belvo vs Plaid](https://www.anchorterminal.com/compare/belvo-vs-plaid.md)\n- [Belvo vs Salt Edge Account Information](https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md)\n- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\n- [Belvo vs TrueLayer](https://www.anchorterminal.com/compare/belvo-vs-truelayer.md)\n- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)\n- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)\n- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)\n- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)\n- [Salt Edge Account Information vs Teller](https://www.anchorterminal.com/compare/salt-edge-vs-teller.md)\n- [Teller vs Tink](https://www.anchorterminal.com/compare/teller-vs-tink.md)\n- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)\n- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "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": "Belvo vs Teller", "url": "" } ], "description": "Belvo scores 63.5 (B) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on payments \u0026 pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Belvo B 63.5", "Teller E 42.7", "scores" ], "h1": "Belvo vs Teller", "image": "https://www.anchorterminal.com/assets/og/compare-belvo-vs-teller.png", "path": "/compare/belvo-vs-teller", "published": "2026-10-01", "section": "tools", "title": "Belvo vs Teller for AI agents, B 63.5 vs E 42.7 | Anchor Terminal", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/belvo-vs-teller" }, "tokens": { "markdown": 2000, "slim": 630 }, "version": 1 }