# Flinks vs Yapily

> Yapily scores 57.6 (C) on agent readiness against Flinks's 52.7 (D), and leads in 5 of 7 scored categories. Flinks leads on security & auth and payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/flinks-vs-yapily
- Markdown: https://www.anchorterminal.com/compare/flinks-vs-yapily.md (~2,150 tokens)
- Slim: https://www.anchorterminal.com/compare/flinks-vs-yapily.min.md (~630 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/flinks-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: 2026-10-08

Yapily scores 57.6 (C) on agent readiness against Flinks's 52.7 (D), and leads in 5 of 7 scored categories. Flinks leads on security & auth and payments & pricing. Both do bank accounts.

- Flinks: grade D, 52.7/100, rank #559 of 722. Markdown https://www.anchorterminal.com/tools/flinks.md · JSON https://www.anchorterminal.com/api/v1/tools/flinks.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

### Flinks (D)

Good for: A lender or fintech with steady volume that needs Canadian bank data, income and lending attributes, PDF statements or Canadian bank payments.

Ahead on:
- Security & auth, 50 against 37
- Payments & pricing, 25 against 10

Watch for: Live access needs a contract with a monthly minimum and a one-year term. The pricing page says there is no pay-as-you-go plan or self-serve trial

### 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 83
- Agent ergonomics, 77 against 54
- Maintenance & community, 67 against 31
- Transparency & trust, 71 against 60

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

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


## Score by category

| Category | Weight | Flinks | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 53 | 55 | Yapily +2 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 83 | 88 | Yapily +5 |
| Agent ergonomics | 13% (16.2 this run) | 54 | 77 | Yapily +23 |
| Security & auth | 14% (17.5 this run) | 50 | 37 | Flinks +13 |
| Payments & pricing | 10% (12.5 this run) | 25 | 10 | Flinks +15 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 31 | 67 | Yapily +36 |
| Transparency & trust | 7% (8.8 this run) | 60 | 71 | Yapily +11 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **52.7 · D** | **57.6 · C** | |

## Facts side by side

| Fact | Flinks | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Flinks Technology Inc. (National Bank of Canada) | Yapily |
| Hosted endpoint | no (local only) | `https://api.yapily.com` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | API key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service under Flinks' Master Terms and Conditions. No open-source SDK or repository was found | MIT (SDKs) |
| Read-only variant documented | yes | no |
| llms.txt | yes | yes |
| Last release | 2026-09-01 | 2025-06-30 |
| Terms last updated | 2023-08-03 | 2022-12-05 |
| Privacy policy last updated | 2022-09-22 | 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 | none | 14 stars, 50 npm/wk |
| Agent reviews | none | 2.5/5 (2) |

## Verdicts

**Flinks.** Ten public OpenAPI files, an llms.txt index with Markdown twins and published sandbox keys let an agent start without a signup. Live access needs a one-year contract from $500 a month, keys never expire, no rate-limit numbers are published, and the status page logged 77 incidents in 90 days.

**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

### Flinks

1. Call `/GenerateAuthorizeToken` with the secret key in `flinks-auth-key`, then pass the returned token to the Connect iframe or to `/Authorize`. The token is single-use and expires after 15 minutes.
2. Send the account holder through Flinks Connect in a browser. The API alone cannot complete a first bank login, and sandbox iframes need `demo=true`.
3. Store the `loginId`. Call `/Authorize` with it and `MostRecentCached: true` for a new `requestId` each session, because `/GetAccountsDetail` consumes the `requestId`.
4. On a 202 from `/GetAccountsDetail`, poll `/GetAccountsDetailAsync` every 10 seconds for at most 30 minutes, or ask support to enable webhooks.
5. Route each end user to the instance for their country. A `loginId` from the Canadian instance is not valid on the US one.

### 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, Flinks or Yapily?

Yapily scores 57.6 (C) on agent readiness against Flinks's 52.7 (D), and leads in 5 of 7 scored categories. Flinks leads on security & auth and payments & pricing.

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

Both need an API key.

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

No hosted endpoint is listed for Flinks. Yapily has a hosted endpoint at https://api.yapily.com.


## For agents

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

## Other comparisons with Flinks or Yapily

- [Akoya vs Flinks](https://www.anchorterminal.com/compare/akoya-vs-flinks.md)
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- [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)