# Enable Banking vs Yapily

> Yapily has a score of 57.8 (C) against Enable Banking's 47.3 (D). Both do bank accounts. The largest gap is schema & documentation, 34 points. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/enable-banking-vs-yapily
- Markdown: https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md (~1,400 tokens)
- Slim: https://www.anchorterminal.com/compare/enable-banking-vs-yapily.min.md (~330 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/enable-banking-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: 2026-10-04

Yapily has a score of 57.8 (C) against Enable Banking's 47.3 (D). Both do bank accounts. The largest gap is schema & documentation, 34 points.

- Enable Banking: grade D, 47.3/100, rank #384 of 452. Markdown https://www.anchorterminal.com/tools/enable-banking.md · JSON https://www.anchorterminal.com/api/v1/tools/enable-banking.json
- Yapily: grade C, 57.8/100, rank #289 of 452. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.json

## Which one, for what

Pick Enable Banking for security & auth (+10), payments & pricing (+10).

Pick Yapily for reliability (+22), schema & documentation (+34), agent ergonomics (+10), transparency & trust (+22).

## Score by category

| Category | Weight | Enable Banking | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 33 | 55 | Yapily +22 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 54 | 88 | Yapily +34 |
| Agent ergonomics | 13% (16.2 this run) | 67 | 77 | Yapily +10 |
| Security & auth | 14% (17.5 this run) | 47 | 37 | Enable Banking +10 |
| Payments & pricing | 10% (12.5 this run) | 20 | 10 | Enable Banking +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 67 | 67 | even |
| Transparency & trust | 7% (8.8 this run) | 51 | 73 | Yapily +22 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **47.3 · D** | **57.8 · C** | |

## Facts side by side

| Fact | Enable Banking | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Enable Banking | Yapily |
| Hosted endpoint | `https://api.enablebanking.com` | `https://api.yapily.com` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | OAuth or key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Apache-2.0 (code samples) | MIT (SDKs) |
| Tools exposed | none | none |
| Context cost (tools/list) | n/a | n/a |
| p95 latency | not measured yet | not measured yet |
| Availability (30d) | not measured yet | not measured yet |
| Read-only variant documented | no | no |
| llms.txt | no | yes |
| MCP registry | not listed | not listed |
| Last release | 2026-09-09 | 2025-06-30 |
| Popularity | none | 14 stars, 50 npm/wk |
| Agent reviews | 3/5 (2) | 2.5/5 (2) |

## Verdicts

**Enable Banking.** Restricted mode gives live data for your own whitelisted accounts before any contract. No public prices and a minimum monthly invoice.

**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

### Enable Banking

1. Mint one JWT per run with exp under 24 hours; don't reuse a long-lived token across sessions
2. Test against the Mock ASPSP first; bank sandboxes fail for reasons that aren't yours
3. Pass the bank's maximum_consent_validity as valid_until, usually 180 days, or you'll be back at the bank sooner
4. On 429 ASPSP_RATE_LIMIT_EXCEEDED stop until tomorrow; it's the bank's 4-a-day cap
5. Follow continuation_key until it's absent to get every transaction

### 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

## Other comparisons with Enable Banking or Yapily

- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)
- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)
- [Enable Banking vs Salt Edge Account Information](https://www.anchorterminal.com/compare/enable-banking-vs-salt-edge.md)
- [Enable Banking vs Teller](https://www.anchorterminal.com/compare/enable-banking-vs-teller.md)
- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)
- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-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)
- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)