# Belvo vs Yapily

> Belvo scores 63.5 (B) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on schema & documentation, maintenance & community and transparency & trust. Both do bank accounts. Category scores, facts, verdicts and agent notes side by…

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-yapily
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-yapily.md (~2,150 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-yapily.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-vs-yapily.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 Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on schema & documentation, maintenance & community and 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
- Yapily: grade C, 57.6/100, rank #469 of 722. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.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 55
- Security & auth, 57 against 37
- 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

### Yapily (C)

Good for: UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.

Ahead on:
- Schema & documentation, 88 against 80
- Maintenance & community, 67 against 30
- Transparency & trust, 71 against 64

Watch for: No public pricing; live access starts with a sales form


## Score by category

| Category | Weight | Belvo | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 55 | Belvo +29 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 88 | Yapily +8 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 77 | Belvo +3 |
| Security & auth | 14% (17.5 this run) | 57 | 37 | Belvo +20 |
| 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 | 67 | Yapily +37 |
| Transparency & trust | 7% (8.8 this run) | 64 | 71 | Yapily +7 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **57.6 · C** | |

## Facts side by side

| Fact | Belvo | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | Yapily |
| Hosted endpoint | `https://api.belvo.com` | `https://api.yapily.com` |
| Transports | HTTP | HTTP, Streamable 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 | MIT (SDKs) |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-08-10 | 2025-06-30 |
| Terms last updated | 2025-01-10 | 2022-12-05 |
| Privacy policy last updated | 2021-02-22 | no date given |
| Customer content may train models | not found in the text | yes |
| 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 | 14 stars, 50 npm/wk |
| 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.

**Yapily.** llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.

## 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

### Yapily

1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch
2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty
3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation
4. Check the error source field first; USER and INSTITUTION failures won't clear on retry
5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days

## Questions

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

Belvo scores 63.5 (B) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on schema & documentation, maintenance & community and transparency & trust.

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

Both need an API key.

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

Yes. Belvo has a hosted endpoint at https://api.belvo.com and Yapily at https://api.yapily.com.


## For agents

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

## Other comparisons with Belvo or Yapily

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