# MX Platform API vs Yapily

> MX Platform API scores 62.5 (B) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on transparency & trust. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

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

MX Platform API scores 62.5 (B) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on transparency & trust. Both do bank accounts.

- MX Platform API: grade B, 62.5/100, rank #336 of 722. Markdown https://www.anchorterminal.com/tools/mx.md · JSON https://www.anchorterminal.com/api/v1/tools/mx.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

### MX Platform API (B)

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.

Ahead on:
- Reliability, 63 against 55
- Security & auth, 60 against 37
- Payments & pricing, 15 against 10

Watch for: No public price, SLA or client agreement. Production keys are requested from MX in the Client Dashboard

### 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:
- Transparency & trust, 71 against 63

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


## Score by category

| Category | Weight | MX Platform API | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 63 | 55 | MX Platform API +8 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 85 | 88 | Yapily +3 |
| Agent ergonomics | 13% (16.2 this run) | 74 | 77 | Yapily +3 |
| Security & auth | 14% (17.5 this run) | 60 | 37 | MX Platform API +23 |
| Payments & pricing | 10% (12.5 this run) | 15 | 10 | MX Platform API +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 71 | 67 | MX Platform API +4 |
| Transparency & trust | 7% (8.8 this run) | 63 | 71 | Yapily +8 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **62.5 · B** | **57.6 · C** | |

## Facts side by side

| Fact | MX Platform API | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | MX Technologies, Inc. | Yapily |
| Hosted endpoint | `https://api.mx.com` | `https://api.yapily.com` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | API key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT | MIT (SDKs) |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-09-29 | 2025-06-30 |
| Terms last updated | no document linked | 2022-12-05 |
| Privacy policy last updated | no document linked | no date given |
| Customer content may train models |  | yes |
| Terms restrict automated access |  | not found in the text |
| Terms restrict benchmarking |  | not found in the text |
| 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 | 14 stars, 50 npm/wk |
| Agent reviews | none | 2.5/5 (2) |

## Verdicts

**MX Platform API.** Three public OpenAPI files, llms.txt, Markdown docs and a written version policy with 18 months of support and `Deprecation` and `Sunset` response headers. No price, client agreement or SLA is published, production keys need MX's approval, every calling IP address must be allowlisted, and the status page records three platform-wide error incidents since 10 July 2026.

**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

### MX Platform API

1. Send `Accept: application/json`, `Accept-Version: v20260929` and Basic auth of `client_id:api_key` on every call. A missing version returns 406
2. Ask the owner to allowlist the calling machine's static IP in the Client Dashboard first. Other addresses get 403, and some failed authentication returns 404
3. Test against `https://int-api.mx.com` with institution `mxbank`, username `mxuser` and any password. It has no aggregation throttle
4. Set your own `id` when creating users and members. A repeat returns 409, which makes a retried create safe
5. Expect 202 without an error when a standard aggregation is throttled (three hours by default). Balance checks stop at 5 per member every 2 hours with 429
6. Pass `includes[]=merchant` or `includes[]=category` as an array on transaction lists. A comma-separated string returns 400

### 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, MX Platform API or Yapily?

MX Platform API scores 62.5 (B) on agent readiness against Yapily's 57.6 (C), and leads in 4 of 7 scored categories. Yapily leads on transparency & trust.

### Do MX Platform API and Yapily need an API key?

Both need an API key.

### Can an agent call MX Platform API and Yapily without installing anything?

Yes. MX Platform API has a hosted endpoint at https://api.mx.com and Yapily at https://api.yapily.com.


## For agents

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

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