{ "data": { "a": { "slug": "enable-banking", "name": "Enable Banking", "vendor": "Enable Banking", "vendorUrl": "https://enablebanking.com", "kind": "http-api", "category": "banking-data", "summary": "Finnish open banking API (FIN-FSA registered AISP) covering 2,700-plus banks in about 30 European countries, with account information and payment initiation under Enable Banking's licence or your own eIDAS certificates.", "url": "https://www.anchorterminal.com/tools/enable-banking", "markdownUrl": "https://www.anchorterminal.com/tools/enable-banking.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/enable-banking.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/enable-banking.json", "repo": "https://github.com/enablebanking/enablebanking-api-samples", "license": "Apache-2.0 (code samples)", "transports": [ "http" ], "remoteUrl": "https://api.enablebanking.com", "packages": [], "auth": "mixed", "authNotes": "Mint an RS256 JWT with the application's private key (kid is the application id, iss enablebanking.com, aud api.enablebanking.com, at most 24 hours) and send it as a Bearer token. The end user authorises at the bank through POST /auth, and the returned code becomes a session with POST /sessions. No client secret: the private key is the credential, so keep it in a secret store.", "pricing": "paid", "pricingNotes": "Volume-based on the number of accounts accessed and payments made a month, with a minimum monthly invoice that includes a quota of accounts and payments; figures on request from info@enablebanking.com (https://enablebanking.com/docs/faq/). You can create an account and use both the sandbox and production before signing a contract; a production application stays pending until the contract is done or you whitelist your own accounts, which activates it in restricted mode for those accounts only (https://enablebanking.com/docs/api/). Payment initiation in production is only switched on for companies holding a PISP licence.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://enablebanking.com/docs/api/reference/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.payments", "bank.consent" ], "tags": [ "hosted", "eu", "closed-source", "enterprise" ], "lastRelease": "2026-09-09", "graded": true, "anchor": { "graded": true, "score": 47.1, "grade": "D", "agentReady": false, "rank": 837, "ranked": true, "rankOf": 950, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 67, "maintenance": 67, "payments": 20, "reliability": 33, "schema": 54, "security": 47, "transparency": 49 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.", "bestFor": "EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.", "strengths": [ "Restricted mode gives live data for your own whitelisted accounts before any contract", "Private-key JWT auth, at most 24 hours, with no shared secret on the wire", "continuation_key pagination with date and status filters on transactions", "DELETE /sessions closes the bank consent where the bank allows", "Monthly changelog posts, the newest on 9 September 2026" ], "weaknesses": [ "No public prices and a minimum monthly invoice", "No public status page; bank disruptions sit behind the Control Panel login", "No OpenAPI file, llms.txt or official SDK, only samples", "No public terms, security.txt, disclosure policy or certification found", "No idempotency guidance for payments" ], "agentNotes": [ "Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions", "Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours", "Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner", "On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap", "Follow continuation_key until it's absent to get every transaction" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "D", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 47.1 } ], "editorialScores": { "ergonomics": 67, "maintenance": 67, "payments": 20, "reliability": 33, "schema": 54, "security": 47, "transparency": 35 }, "provenanceScore": 63 }, "connect": { "http": "curl \"https://api.enablebanking.com/aspsps?country=FI\" -H \"Authorization: Bearer $ENABLE_BANKING_JWT\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/enable-banking" }, "area": "domain-data", "provenance": { "legalEntity": "Enable Banking", "domain": "enablebanking.com", "domainRegistered": "2018-04-23", "endpointOnVendorDomain": true, "terms": "", "privacy": "https://enablebanking.com/privacy-policy", "statusPage": "", "changelog": "https://enablebanking.com/blog", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "The home page describes the company as a registered Account Information Service Provider regulated by the Finnish Financial Supervisory Authority (FIN-FSA). The privacy policy page renders only with JavaScript, so we couldn't read the registered company name or business ID from it.", "No terms of service page was found; the FAQ refers to a contract agreed by email.", "The blog carries monthly changelog posts; there's no status page we could find.", "rdap.org returned 403; the registration date is from Verisign's RDAP server." ], "score": 63 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/enable-banking.json", "live": { "slug": "enable-banking", "probe": { "target": "https://api.enablebanking.com", "method": "get", "lastAt": "2026-10-10T04:40:48.458589251Z", "lastOk": true, "lastStatus": 200, "lastMs": 354, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 484, "p95ms24h": 1421, "samples24h": 248, "samples30d": 2282, "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": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 48, "ok": 48 } ] }, "githubStars": 68, "securityTxt": { "url": "https://enablebanking.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:39:33.442342475Z" }, "domain": { "domain": "enablebanking.com", "registered": "2018-04-23", "source": "https://rdap.verisign.com/com/v1/domain/enablebanking.com", "checkedAt": "2026-10-04T13:08:31.314512732Z" }, "pages": [ { "url": "https://enablebanking.com/blog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:39:05.561904767Z", "changedAt": "2026-10-06T16:09:01.737626783Z", "fingerprint": "d419c552d2ca" }, { "url": "https://enablebanking.com/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:39:07.845207966Z", "changedAt": "2026-10-09T18:39:07.845207966Z", "fingerprint": "1209d2b9266c" } ], "updatedAt": "2026-10-10T04:40:48.458589251Z" } }, "answer": "Enable Banking scores 47.1 (D) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth and transparency \u0026 trust.", "b": { "slug": "powens", "name": "Powens", "vendor": "Powens SAS", "vendorUrl": "https://www.powens.com", "kind": "http-api", "category": "banking-data", "summary": "Powens is a French open banking platform, formerly Budget Insight. Its REST API and hosted Webview read bank accounts, balances and transactions with the account holder's consent, verify account ownership and start bank payments in Europe.", "url": "https://www.anchorterminal.com/tools/powens", "markdownUrl": "https://www.anchorterminal.com/tools/powens.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/powens.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/powens.json", "repo": "https://github.com/powenscompany/powens-connect-ios", "license": "Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0", "transports": [ "http" ], "remoteUrl": "https://{domain}.biapi.pro/2.0", "packages": [], "auth": "mixed", "authNotes": "A client ID and client secret from the console, sent in the body of `POST /auth/init`, return a permanent user token that is sent as `authorization: Bearer`. A permanent token has no expiry and is revoked with `DELETE /auth/token` or `POST /auth/renew` with `revoke_previous`. The Webview takes a temporary code from `GET /auth/token/code`, valid 30 minutes or once. Payments use 30-minute service tokens with `payments:*` scopes. Listing users and changing configuration need separate tokens from the console settings. Console signup is self-serve for a sandbox domain. Live access is by purchase order.", "pricing": "paid", "pricingNotes": "No public prices. The site has no pricing page, and product pages lead to a meeting request (https://www.powens.com/products/transactions/, checked 2026-10-09). The conditions of sale set fees in a purchase order by volume of users, invoiced in advance with a monthly invoice for excess users, and revise prices each year by the SYNTEC index. A free console account gives a sandbox domain with a test connector. No card is mentioned for signup.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference pages read or the site (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://docs.powens.com/documentation", "llmsTxt": "https://docs.powens.com/api-reference/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent", "bank.identity", "bank.payments" ], "tags": [ "hosted", "llms-txt", "webhooks", "sandbox", "eu", "enterprise", "sales-led", "closed-source" ], "graded": true, "anchor": { "graded": true, "score": 42.6, "grade": "E", "agentReady": false, "rank": 892, "ranked": true, "rankOf": 950, "categoryRank": 13, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 57, "maintenance": 33, "payments": 10, "reliability": 27, "schema": 48, "security": 60, "transparency": 63 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "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.", "bestFor": "A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.", "strengths": [ "Both docs spaces publish llms.txt and a Markdown twin of every page, and robots.txt states `ai-input=yes`", "Transactions take `limit` up to 1,000, opaque cursor links, `min_date`, `max_date`, `last_update` and value filters", "`DELETE /users/{userId}/connections/{connectionId}` is documented as a permanent erasure of the connection and all its data", "Payment service tokens last 30 minutes and carry scopes such as `payments:read-only`, `payments:validate` and `payments:cancel`", "Powens SAS is a payment institution registered with the ACPR under CIB 16948, and its terms name hosting sub-processors in France" ], "weaknesses": [ "No OpenAPI or other machine-readable contract was found. The reference is hand-written tables", "No public prices. Fees are set per volume of users in a signed purchase order", "No status page is linked from the site or docs read, and no uptime SLA appears in the conditions of sale", "No idempotency key or documented 429 handling was found, and production rate limits are not published", "The only SDK found is an iOS package at 1.0.0-beta, last changed on 1 October 2024" ], "agentNotes": [ "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`", "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", "Enable an account with `POST` and `{\"disabled\": false}` only after the account holder consents. Accounts arrive disabled with no transactions", "Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header", "Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 42.6 } ], "editorialScores": { "ergonomics": 57, "maintenance": 33, "payments": 10, "reliability": 27, "schema": 48, "security": 60, "transparency": 64 }, "provenanceScore": 61 }, "connect": { "http": "curl https://{domain}.biapi.pro/2.0/connectors/" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/powens" }, "area": "domain-data", "provenance": { "legalEntity": "Powens SAS", "domain": "powens.com", "domainRegistered": "2000-03-01", "endpointOnVendorDomain": false, "terms": "https://www.powens.com/sas-conditions-sale/", "privacy": "https://www.powens.com/sas-privacy-policy/", "statusPage": "", "changelog": "https://budget-insight.notion.site/Changelog-public-edc79d1d9e0a4608928df68fafa811bb", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The legal notice names Powens, a simplified joint-stock company with share capital of 44,037.90 euros, 84 rue Beaubourg, 75003 Paris, Paris trade register number 749 867 206, registered with the ACPR as a payment institution under CIB 16948.", "The terms link is the General Terms and Conditions of Sale, which apply to services Powens performs for clients under a purchase order and are governed by French law. The page carries no version or date. A separate Terms and Conditions of Use page binds the account holders who use the Webview.", "The privacy link is the Powens SAS privacy policy, which covers the website, console accounts and financial data, and lists processors with a column for transfers outside the EU. The page carries no date. A group privacy policy and one for the Spanish regulated entity are separate pages.", "The API answers at https://{domain}.biapi.pro, a second domain registered on 5 February 2014, and the Webview at webview.powens.com. The docs still link console.budget-insight.com and docs.budget-insight.com in places.", "www.powens.com/.well-known/security.txt returns 404. No vulnerability disclosure policy or bug bounty was found on the pages read.", "No status page is linked from the home page, the product pages or the docs read. status.powens.com was a guess and could not be reached from our network, so its existence is unchecked.", "The changelog is a Notion page linked from the docs home. It is drawn by script and was not read. Verisign RDAP gives the powens.com registration date and OVH as registrar.", "Powens acquired the Spanish electronic money institution Unnax in 2024, and Unnax took the Powens brand in 2026 per powens.com/unnax-is-powens." ], "score": 61 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/powens.json", "live": { "slug": "powens", "probe": { "target": "https://{domain}.biapi.pro/2.0", "method": "get", "lastAt": "2026-10-10T04:41:00.230266985Z", "lastOk": false, "lastStatus": 0, "lastMs": 0, "lastNote": "invalid character \"{\" in host name", "authRequired": false, "uptime24h": 0, "uptime30d": 0, "p50ms24h": 0, "p95ms24h": 0, "samples24h": 133, "samples30d": 133, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 0 }, { "date": "2026-10-10", "probes": 48, "ok": 0 } ], "outages": [ { "start": "2026-10-09T15:43:17.921158871Z", "end": "0001-01-01T00:00:00Z", "note": "invalid character \"{\" in host name" } ] }, "versions": [ { "registry": "github", "name": "powenscompany/powens-connect-ios", "version": "1.0.0-beta", "released": "2024-09-30", "seenAt": "2026-10-09T17:14:20.632650104Z" } ], "githubStars": 1, "pages": [ { "url": "https://budget-insight.notion.site/Changelog-public-edc79d1d9e0a4608928df68fafa811bb", "kind": "changelog", "status": 404, "checkedAt": "2026-10-09T18:33:19.38191606Z", "changedAt": "0001-01-01T00:00:00Z" }, { "url": "https://www.powens.com/sas-privacy-policy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:53:14.750162665Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "4bbb4f60d121" }, { "url": "https://www.powens.com/sas-conditions-sale/", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:53:12.685497091Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7ce097c66886" } ], "updatedAt": "2026-10-10T04:41:00.230266985Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Enable Banking", "b": "Powens SAS", "name": "Vendor" }, { "a": "https://api.enablebanking.com", "b": "https://{domain}.biapi.pro/2.0", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Apache-2.0 (code samples)", "b": "Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0", "name": "Licence" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-09", "b": "none", "name": "Last release" }, { "a": "no document linked", "b": "no date given", "name": "Terms last updated" }, { "a": "couldn't be read", "b": "no date given", "name": "Privacy policy last updated" }, { "a": "", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "3/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Enable Banking scores 47.1 (D) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth and transparency \u0026 trust.", "question": "Which is better for AI agents, Enable Banking or Powens?" }, { "answer": "Both take an API key or an OAuth sign-in.", "question": "Do Enable Banking and Powens need an API key?" }, { "answer": "Yes. Enable Banking has a hosted endpoint at https://api.enablebanking.com and Powens at https://{domain}.biapi.pro/2.0.", "question": "Can an agent call Enable Banking and Powens without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 33 against 27", "Schema \u0026 documentation, 54 against 48", "Agent ergonomics, 67 against 57", "Payments \u0026 pricing, 20 against 10", "Maintenance \u0026 community, 67 against 33" ], "also": null, "goodFor": "EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.", "slug": "enable-banking", "watchFor": "No public prices and a minimum monthly invoice" }, { "aheadOn": [ "Security \u0026 auth, 60 against 47", "Transparency \u0026 trust, 63 against 49" ], "also": null, "goodFor": "A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.", "slug": "powens", "watchFor": "No OpenAPI or other machine-readable contract was found. The reference is hand-written tables" } ], "job": { "capability": "bank.accounts", "name": "Bank account data" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking.json", "title": "Akoya vs Enable Banking", "url": "https://www.anchorterminal.com/compare/akoya-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-powens.json", "title": "Akoya vs Powens", "url": "https://www.anchorterminal.com/compare/akoya-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking.json", "title": "Basiq vs Enable Banking", "url": "https://www.anchorterminal.com/compare/basiq-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-powens.json", "title": "Basiq vs Powens", "url": "https://www.anchorterminal.com/compare/basiq-vs-powens" }, { "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-powens.json", "title": "Belvo vs Powens", "url": "https://www.anchorterminal.com/compare/belvo-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks.json", "title": "Enable Banking vs Flinks", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.json", "title": "Enable Banking vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-mx.json", "title": "Enable Banking vs MX Platform API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-plaid.json", "title": "Enable Banking vs Plaid", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.json", "title": "Enable Banking vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge" }, { "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/enable-banking-vs-tink.json", "title": "Enable Banking vs Tink", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.json", "title": "Enable Banking vs TrueLayer", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily.json", "title": "Enable Banking vs Yapily", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.json", "title": "Enable Banking vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-powens.json", "title": "Flinks vs Powens", "url": "https://www.anchorterminal.com/compare/flinks-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.json", "title": "GoCardless Bank Account Data vs Powens", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-powens.json", "title": "MX Platform API vs Powens", "url": "https://www.anchorterminal.com/compare/mx-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-powens.json", "title": "Plaid vs Powens", "url": "https://www.anchorterminal.com/compare/plaid-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-salt-edge.json", "title": "Powens vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/powens-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-teller.json", "title": "Powens vs Teller", "url": "https://www.anchorterminal.com/compare/powens-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-tink.json", "title": "Powens vs Tink", "url": "https://www.anchorterminal.com/compare/powens-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-truelayer.json", "title": "Powens vs TrueLayer", "url": "https://www.anchorterminal.com/compare/powens-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-yapily.json", "title": "Powens vs Yapily", "url": "https://www.anchorterminal.com/compare/powens-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.json", "title": "Powens vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data" } ], "scores": [ { "by": 6, "edge": "enable-banking", "enable-banking": 33, "key": "reliability", "name": "Reliability", "powens": 27, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 6, "edge": "enable-banking", "enable-banking": 54, "key": "schema", "name": "Schema \u0026 documentation", "powens": 48, "weight": 13 }, { "by": 10, "edge": "enable-banking", "enable-banking": 67, "key": "ergonomics", "name": "Agent ergonomics", "powens": 57, "weight": 13 }, { "by": 13, "edge": "powens", "enable-banking": 47, "key": "security", "name": "Security \u0026 auth", "powens": 60, "weight": 14 }, { "by": 10, "edge": "enable-banking", "enable-banking": 20, "key": "payments", "name": "Payments \u0026 pricing", "powens": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 34, "edge": "enable-banking", "enable-banking": 67, "key": "maintenance", "name": "Maintenance \u0026 community", "powens": 33, "weight": 7 }, { "by": 14, "edge": "powens", "enable-banking": 49, "key": "transparency", "name": "Transparency \u0026 trust", "powens": 63, "weight": 7 } ], "summary": "Enable Banking scores 47.1 (D) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth and transparency \u0026 trust. Both do bank account data.", "verdicts": { "enable-banking": "Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/enable-banking-vs-powens", "json": "https://www.anchorterminal.com/compare/enable-banking-vs-powens.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/enable-banking-vs-powens.md", "slim": "https://www.anchorterminal.com/compare/enable-banking-vs-powens.min.md" }, "markdown": "Enable Banking scores 47.1 (D) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth and transparency \u0026 trust. Both do bank account data.\n\n- Enable Banking: grade D, 47.1/100, rank #837 of 950. Markdown https://www.anchorterminal.com/tools/enable-banking.md · JSON https://www.anchorterminal.com/api/v1/tools/enable-banking.json\n- 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\n- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md\n- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md\n\n## Which one, for what\n\n### Enable Banking (D)\n\nGood for: EU account data and payments for builders who want live data before signing anything, or agents that read their operator's own accounts.\n\nAhead on:\n- Reliability, 33 against 27\n- Schema \u0026 documentation, 54 against 48\n- Agent ergonomics, 67 against 57\n- Payments \u0026 pricing, 20 against 10\n- Maintenance \u0026 community, 67 against 33\n\nWatch for: No public prices and a minimum monthly invoice\n\n### Powens (E)\n\nGood for: A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.\n\nAhead on:\n- Security \u0026 auth, 60 against 47\n- Transparency \u0026 trust, 63 against 49\n\nWatch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables\n\n\n## Score by category\n\n| Category | Weight | Enable Banking | Powens | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 33 | 27 | Enable Banking +6 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 48 | Enable Banking +6 |\n| Agent ergonomics | 13% (16.2 this run) | 67 | 57 | Enable Banking +10 |\n| Security \u0026 auth | 14% (17.5 this run) | 47 | 60 | Powens +13 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 10 | Enable Banking +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 67 | 33 | Enable Banking +34 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 49 | 63 | Powens +14 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **47.1 · D** | **42.6 · E** | |\n\n## Facts side by side\n\n| Fact | Enable Banking | Powens |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Enable Banking | Powens SAS |\n| Hosted endpoint | `https://api.enablebanking.com` | `https://{domain}.biapi.pro/2.0` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Apache-2.0 (code samples) | Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 |\n| Read-only variant documented | no | yes |\n| llms.txt | no | yes |\n| Last release | 2026-09-09 | none |\n| Terms last updated | no document linked | no date given |\n| Privacy policy last updated | couldn't be read | no date given |\n| Customer content may train models | | not found in the text |\n| Terms restrict automated access | | not found in the text |\n| Terms restrict benchmarking | | not found in the text |\n| Terms or service can change without notice | | not found in the text |\n| Arbitration or class-action waiver | | not found in the text |\n| Agent reviews | 3/5 (2) | none |\n\n## Verdicts\n\n**Enable Banking.** Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.\n\n**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.\n\n## Before you call either\n\n### Enable Banking\n\n1. Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions\n2. Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours\n3. Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner\n4. On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap\n5. Follow continuation_key until it's absent to get every transaction\n\n### Powens\n\n1. 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`\n2. 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\n3. Enable an account with `POST` and `{\"disabled\": false}` only after the account holder consents. Accounts arrive disabled with no transactions\n4. Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header\n5. Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks\n\n## Questions\n\n### Which is better for AI agents, Enable Banking or Powens?\n\nEnable Banking scores 47.1 (D) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth and transparency \u0026 trust.\n\n### Do Enable Banking and Powens need an API key?\n\nBoth take an API key or an OAuth sign-in.\n\n### Can an agent call Enable Banking and Powens without installing anything?\n\nYes. Enable Banking has a hosted endpoint at https://api.enablebanking.com and Powens at https://{domain}.biapi.pro/2.0.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/enable-banking-vs-powens.json, and with the fewest tokens: https://www.anchorterminal.com/compare/enable-banking-vs-powens.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"enable-banking\", \"b\": \"powens\"}`. From a terminal: `anchor compare enable-banking powens`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/enable-banking.json and https://www.anchorterminal.com/api/v1/tools/powens.json\n\n## Other comparisons with Enable Banking or Powens\n\n- [Akoya vs Enable Banking](https://www.anchorterminal.com/compare/akoya-vs-enable-banking.md)\n- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)\n- [Basiq vs Enable Banking](https://www.anchorterminal.com/compare/basiq-vs-enable-banking.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)\n- [Belvo vs Powens](https://www.anchorterminal.com/compare/belvo-vs-powens.md)\n- [Enable Banking vs Flinks](https://www.anchorterminal.com/compare/enable-banking-vs-flinks.md)\n- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)\n- [Enable Banking vs MX Platform API](https://www.anchorterminal.com/compare/enable-banking-vs-mx.md)\n- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)\n- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)\n- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)\n- [Enable Banking vs Tink](https://www.anchorterminal.com/compare/enable-banking-vs-tink.md)\n- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)\n- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)\n- [Enable Banking vs Yodlee Core API](https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.md)\n- [Flinks vs Powens](https://www.anchorterminal.com/compare/flinks-vs-powens.md)\n- [GoCardless Bank Account Data vs Powens](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.md)\n- [MX Platform API vs Powens](https://www.anchorterminal.com/compare/mx-vs-powens.md)\n- [Plaid vs Powens](https://www.anchorterminal.com/compare/plaid-vs-powens.md)\n- [Powens vs Salt Edge Account Information](https://www.anchorterminal.com/compare/powens-vs-salt-edge.md)\n- [Powens vs Teller](https://www.anchorterminal.com/compare/powens-vs-teller.md)\n- [Powens vs Tink](https://www.anchorterminal.com/compare/powens-vs-tink.md)\n- [Powens vs TrueLayer](https://www.anchorterminal.com/compare/powens-vs-truelayer.md)\n- [Powens vs Yapily](https://www.anchorterminal.com/compare/powens-vs-yapily.md)\n- [Powens vs Yodlee Core API](https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "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": "Enable Banking vs Powens", "url": "" } ], "description": "Enable Banking scores 47.1 (D) to Powens's 42.6 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Enable Banking D 47.1", "Powens E 42.6", "scores" ], "h1": "Enable Banking vs Powens", "image": "https://www.anchorterminal.com/assets/og/compare-enable-banking-vs-powens.png", "path": "/compare/enable-banking-vs-powens", "published": "2026-10-01", "section": "tools", "title": "Enable Banking vs Powens for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-powens" }, "tokens": { "markdown": 2400, "slim": 680 }, "version": 1 }