# Belvo vs Yodlee Core API

> Belvo scores 63.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data
- Markdown: https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.md (~2,450 tokens)
- Slim: https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.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 Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Both do bank accounts.

- Belvo: grade B, 63.5/100, rank #355 of 842. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json
- Yodlee Core API: grade E, 41.9/100, rank #796 of 842. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.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 15
- Schema & documentation, 80 against 71
- Agent ergonomics, 80 against 58
- Security & auth, 57 against 49
- Payments & pricing, 20 against 15
- Transparency & trust, 64 against 53

Also in its favour:
- A hosted endpoint, with nothing to install

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

### Yodlee Core API (E)

Good 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.

Watch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404


## Score by category

| Category | Weight | Belvo | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 84 | 15 | Belvo +69 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 80 | 71 | Belvo +9 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 58 | Belvo +22 |
| Security & auth | 14% (17.5 this run) | 57 | 49 | Belvo +8 |
| Payments & pricing | 10% (12.5 this run) | 20 | 15 | Belvo +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 30 | 33 | Yodlee Core API +3 |
| Transparency & trust | 7% (8.8 this run) | 64 | 53 | Belvo +11 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **63.5 · B** | **41.9 · E** | |

## Facts side by side

| Fact | Belvo | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Belvo | Yodlee, Inc. |
| Hosted endpoint | `https://api.belvo.com` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth |
| 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. The Swagger file on GitHub is MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-08-10 | 2026-07-31 |
| Terms last updated | 2025-01-10 | no document linked |
| Privacy policy last updated | 2021-02-22 | no document linked |
| Customer content may train models | not found in the text |  |
| Terms restrict automated access | not found in the text |  |
| Terms restrict benchmarking | not found in the text |  |
| Terms or service can change without notice | yes |  |
| Arbitration or class-action waiver | not found in the text |  |
| Popularity | 1.1k npm/wk, 240 PyPI/wk | 17 stars |

## 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.

**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.

## 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

### Yodlee Core API

1. 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
2. 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
3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there
4. 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`
5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`
6. 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

## Questions

### Which is better for AI agents, Belvo or Yodlee Core API?

Belvo scores 63.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories.

### Do Belvo and Yodlee Core API need an API key?

Belvo needs an API key. Yodlee Core API uses an OAuth sign-in.

### Can an agent call Belvo and Yodlee Core API without installing anything?

Belvo has a hosted endpoint at https://api.belvo.com. No hosted endpoint is listed for Yodlee Core API.


## For agents

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

## Other comparisons with Belvo or Yodlee Core API

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- [Flinks vs Yodlee Core API](https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.md)
- [GoCardless Bank Account Data vs Yodlee Core API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.md)
- [MX Platform API vs Yodlee Core API](https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md)
- [Plaid vs Yodlee Core API](https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.md)
- [Salt Edge Account Information vs Yodlee Core API](https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.md)
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- [Tink vs Yodlee Core API](https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.md)
- [TrueLayer vs Yodlee Core API](https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.md)
- [Yapily vs Yodlee Core API](https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.md)