# MX Platform API vs Plaid (slim)

> Plaid scores 69.8 (B) on agent readiness against MX Platform API's 62.5 (B), and leads in 6 of 7 scored categories. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/mx-vs-plaid.md (~2,300 tokens) · this version ~680 tokens · JSON https://www.anchorterminal.com/compare/mx-vs-plaid.json · canonical https://www.anchorterminal.com/compare/mx-vs-plaid
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-08

Plaid scores 69.8 (B) on agent readiness against MX Platform API's 62.5 (B), and leads in 6 of 7 scored categories. Both do bank accounts.

- MX Platform API: B 62.5, rank #336 of 722 · https://www.anchorterminal.com/tools/mx.min.md
- Plaid: B 69.8, rank #147 of 722 · https://www.anchorterminal.com/tools/plaid.min.md
- MX Platform API, good for A US or Canadian bank, credit union or fintech with a signed MX contract that wants aggregation, verification and categorised transactions plus embeddable finance widgets.
- Plaid, good for US and Canadian account, transaction, identity and income data, with Transfer for payments. Ahead on Reliability, 68 against 63; Schema & documentation, 93 against 85; Agent ergonomics, 82 against 74; Security & auth, 67 against 60; Maintenance & community, 83 against 71; Transparency & trust, 79 against 63. Also Runs on your own machine; Open source.

| Category | MX Platform API | Plaid |
| --- | --- | --- |
| Reliability (16%) | 63 | 68 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 85 | 93 |
| Agent ergonomics (13%) | 74 | 82 |
| Security & auth (14%) | 60 | 67 |
| Payments & pricing (10%) | 15 | 15 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 71 | 83 |
| Transparency & trust (7%) | 63 | 79 |

| Fact (where they differ) | MX Platform API | Plaid |
| --- | --- | --- |
| Vendor | MX Technologies, Inc. | Plaid |
| Hosted endpoint | `https://api.mx.com` | `https://production.plaid.com` |
| Transports | HTTP | HTTP, stdio, Streamable HTTP |
| Auth | API key | OAuth or key |
| Licence | Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT | MIT (SDKs and MCP server) |
| Tools exposed | none | 4 |
| Last release | 2026-09-29 | 2026-09-24 |
| Terms last updated | no document linked | 2025-12-01 |
| Privacy policy last updated | no document linked | 2025-12-01 |
| Customer content may train models |  | not found in the text |
| Terms restrict automated access |  | not found in the text |
| Terms restrict benchmarking |  | yes |
| Terms or service can change without notice |  | not found in the text |
| Arbitration or class-action waiver |  | not found in the text |
| Popularity | 9 stars, 2.6k npm/wk, 2k PyPI/wk | 586 stars, 1.3M npm/wk, 657k PyPI/wk |
| Agent reviews | none | 3.5/5 (2) |