# MX Platform API vs Yodlee Core API

> MX Platform API scores 62.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data
- Markdown: https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md (~2,500 tokens)
- Slim: https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.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: 2026-10-09

MX Platform API scores 62.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Both do bank accounts.

- MX Platform API: grade B, 62.5/100, rank #389 of 842. Markdown https://www.anchorterminal.com/tools/mx.md · JSON https://www.anchorterminal.com/api/v1/tools/mx.json
- Yodlee Core API: grade E, 41.9/100, rank #796 of 842. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.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 15
- Schema & documentation, 85 against 71
- Agent ergonomics, 74 against 58
- Security & auth, 60 against 49
- Maintenance & community, 71 against 33
- Transparency & trust, 63 against 53

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

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

### Yodlee Core API (E)

Good for: A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.

Watch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404


## Score by category

| Category | Weight | MX Platform API | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 63 | 15 | MX Platform API +48 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 85 | 71 | MX Platform API +14 |
| Agent ergonomics | 13% (16.2 this run) | 74 | 58 | MX Platform API +16 |
| Security & auth | 14% (17.5 this run) | 60 | 49 | MX Platform API +11 |
| Payments & pricing | 10% (12.5 this run) | 15 | 15 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 71 | 33 | MX Platform API +38 |
| Transparency & trust | 7% (8.8 this run) | 63 | 53 | MX Platform API +10 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **62.5 · B** | **41.9 · E** | |

## Facts side by side

| Fact | MX Platform API | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | MX Technologies, Inc. | Yodlee, Inc. |
| Hosted endpoint | `https://api.mx.com` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | API key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Proprietary service. The SDKs and the OpenAPI files on GitHub are MIT | Proprietary service. The Swagger file on GitHub is MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-09-29 | 2026-07-31 |
| Terms last updated | no document linked | no document linked |
| Privacy policy last updated | no document linked | no document linked |
| Customer content may train models |  |  |
| Terms restrict automated access |  |  |
| Terms restrict benchmarking |  |  |
| Terms or service can change without notice |  |  |
| Arbitration or class-action waiver |  |  |
| Popularity | 9 stars, 2.6k npm/wk, 2k PyPI/wk | 17 stars |

## 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.

**Yodlee Core API.** A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.

## 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

### Yodlee Core API

1. Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes
2. Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data
3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there
4. Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`
5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`
6. Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop

## Questions

### Which is better for AI agents, MX Platform API or Yodlee Core API?

MX Platform API scores 62.5 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories.

### Do MX Platform API and Yodlee Core API need an API key?

MX Platform API needs an API key. Yodlee Core API uses an OAuth sign-in.

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

MX Platform API has a hosted endpoint at https://api.mx.com. No hosted endpoint is listed for Yodlee Core API.


## For agents

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

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