{ "data": { "a": { "slug": "plaid", "name": "Plaid", "vendor": "Plaid", "vendorUrl": "https://plaid.com", "kind": "http-api", "category": "banking-data", "summary": "Bank data aggregation platform covering the US, Canada, the UK and parts of Europe.", "url": "https://www.anchorterminal.com/tools/plaid", "markdownUrl": "https://www.anchorterminal.com/tools/plaid.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/plaid.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/plaid.json", "repo": "https://github.com/plaid/mcp", "license": "MIT (SDKs and MCP server)", "transports": [ "http", "stdio", "streamable-http" ], "remoteUrl": "https://production.plaid.com", "packages": [ { "registry": "npm", "name": "plaid" }, { "registry": "pypi", "name": "plaid-python" }, { "registry": "pypi", "name": "mcp-server-plaid" } ], "auth": "mixed", "authNotes": "Every call is a POST with `client_id` and `secret` in the JSON body (or as PLAID-CLIENT-ID and PLAID-SECRET headers). Sandbox and Production have separate secrets. End-user data needs an `access_token` from the Link flow (link token, public token, exchange). The Dashboard MCP uses OAuth client_credentials with scope `mcp:dashboard` and 15-minute tokens. The sandbox MCP takes the sandbox client id and secret as flags or environment variables.", "pricing": "paid", "pricingNotes": "Sandbox is always free. Three plans, Pay as you go (month to month, card on file), Growth (12-month commitment) and Custom, with no price list on the site; you see prices when you apply for Production access (https://plaid.com/pricing/). Billing model varies by product. One-time per Item for Auth, Identity, Income and Layer, a monthly subscription per Item for Transactions, Liabilities, Investments and Recurring Transactions, and a flat fee per call for Balance, Signal and the refresh endpoints. A subscription Item keeps billing until you call /item/remove or the user revokes it (https://plaid.com/docs/account/billing/index.html.md). Teams created after 15 April 2026 in the US and Canada get a Trial plan with 10 free Production Items, replacing the older Limited Production of 200 calls per product (https://plaid.com/docs/changelog/).", "priceSummary": "Paid", "where": "both", "x402": { "level": "no", "endpoints": [] }, "toolCount": 4, "popularity": { "githubStars": 586, "npmWeekly": 1292229, "pypiWeekly": 656730, "asOf": "2026-09-30" }, "docsUrl": "https://plaid.com/docs/", "llmsTxt": "https://plaid.com/docs/llms.txt", "openapi": "https://raw.githubusercontent.com/plaid/plaid-openapi/master/2020-09-14.yml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "mcp", "llms-txt", "openapi", "typescript", "python", "webhooks", "card-required", "enterprise", "open-source" ], "lastRelease": "2026-09-24", "graded": true, "anchor": { "graded": true, "score": 69.8, "grade": "B", "agentReady": false, "rank": 169, "ranked": true, "rankOf": 950, "categoryRank": 1, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 82, "maintenance": 83, "payments": 15, "reliability": 68, "schema": 93, "security": 67, "transparency": 79 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "high", "date": "2026-10-01" }, "negative": 0, "verdict": "Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page. No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed.", "bestFor": "US and Canadian account, transaction, identity and income data, with Transfer for payments.", "strengths": [ "Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page", "Rate limits per endpoint, per Item and per client, published as JSON", "Error bodies carry error_code, documentation_url and suggested_action", "Dashboard Logs keep every request, response, webhook and Link event for 14 days", "security.txt valid to 31 December 2026 and a HackerOne programme" ], "weaknesses": [ "No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed", "Four plaid-node major versions between 23 July and 1 September 2026, each with breaking changes", "No Retry-After on 429 and no list of which error codes are safe to retry", "Six incidents marked major on the status page since 10 July 2026, five of them single banks", "One team secret reaches every product, Transfer included; there's no read-only key" ], "agentNotes": [ "Point calls at https://sandbox.plaid.com until you hold a Production secret; request shapes are the same", "Create a sandbox Item with /sandbox/public_token/create and ins_109508, then /item/public_token/exchange, no Link UI needed", "Use /transactions/sync with its cursor and back off on 429 RATE_LIMIT_EXCEEDED yourself, since no Retry-After comes back", "Call /item/remove when the user is done, or subscription products keep billing", "Send an idempotency_key on `/transfer/authorization/create` so a retried request can't authorise twice" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3.5, "history": [ { "basis": "public evidence", "confidence": "high", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 69.8 } ], "editorialScores": { "ergonomics": 82, "maintenance": 83, "payments": 15, "reliability": 68, "schema": 93, "security": 67, "transparency": 61 }, "provenanceScore": 97 }, "connect": { "http": "curl -X POST https://sandbox.plaid.com/sandbox/public_token/create -H \"Content-Type: application/json\" \\\n -d '{\"client_id\":\"'\"$PLAID_CLIENT_ID\"'\",\"secret\":\"'\"$PLAID_SECRET\"'\",\"institution_id\":\"ins_109508\",\"initial_products\":[\"transactions\"]}'", "claudeCode": "claude mcp add plaid -e PLAID_CLIENT_ID=$PLAID_CLIENT_ID -e PLAID_SECRET=$PLAID_SECRET -- uvx mcp-server-plaid", "config": { "mcpServers": { "plaid": { "args": [ "mcp-server-plaid" ], "command": "uvx", "env": { "PLAID_CLIENT_ID": "${PLAID_CLIENT_ID}", "PLAID_SECRET": "${PLAID_SECRET}" } } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/plaid" }, "area": "domain-data", "provenance": { "legalEntity": "Plaid Inc.", "domain": "plaid.com", "domainRegistered": "1995-08-16", "domainNote": "plaid.com was registered in 1995, long before Plaid was founded, so the domain was bought later.", "endpointOnVendorDomain": true, "terms": "https://plaid.com/legal/#developer-policy", "privacy": "https://plaid.com/legal/#privacy-statement", "statusPage": "https://status.plaid.com", "changelog": "https://plaid.com/docs/changelog/", "securityTxt": "valid", "checked": "2026-09-30", "notes": [ "Plaid Inc. (San Francisco) contracts US customers; Plaid Financial Ltd. (London) and Plaid, B.V. (Amsterdam) cover the UK and the EEA.", "security.txt lists HackerOne and security@plaid.com and expires 2026-12-31.", "rdap.org returned 403 for the domain; the registration date comes from Verisign's RDAP server." ], "score": 97 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/plaid.json", "live": { "slug": "plaid", "probe": { "target": "https://production.plaid.com", "method": "get", "lastAt": "2026-10-10T02:55:06.190050307Z", "lastOk": true, "lastStatus": 200, "lastMs": 336, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 342, "p95ms24h": 414, "samples24h": 249, "samples30d": 2264, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 30, "ok": 30 } ] }, "vendorStatus": { "page": "https://status.plaid.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T02:50:42.986529718Z" }, "versions": [ { "registry": "npm", "name": "plaid", "version": "48.0.0", "seenAt": "2026-10-09T17:13:21.471234844Z" }, { "registry": "pypi", "name": "mcp-server-plaid", "version": "0.1.1", "released": "2026-08-10", "seenAt": "2026-10-09T17:13:22.555313073Z" }, { "registry": "pypi", "name": "plaid-python", "version": "45.0.0", "released": "2026-10-02", "seenAt": "2026-10-09T17:13:22.354829339Z" } ], "githubStars": 30, "npmWeekly": 1247908, "pypiWeekly": 682002, "securityTxt": { "url": "https://plaid.com/.well-known/security.txt", "state": "valid", "expires": "2026-12-31T23:59:59.000Z", "checkedAt": "2026-10-09T15:39:27.404117619Z" }, "llmsTxt": { "url": "https://plaid.com/docs/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:02:36.362832604Z" }, "domain": { "domain": "plaid.com", "registered": "1995-08-16", "source": "https://rdap.verisign.com/com/v1/domain/plaid.com", "checkedAt": "2026-10-04T13:09:13.710656054Z" }, "pages": [ { "url": "https://plaid.com/docs/changelog/", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:43:23.707282955Z", "changedAt": "2026-10-09T18:43:23.707282955Z", "fingerprint": "d4198ecc7a05" }, { "url": "https://plaid.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:43:28.828846388Z", "changedAt": "2026-10-06T16:11:29.459778327Z", "fingerprint": "15a9f4a4d8fd" }, { "url": "https://plaid.com/legal/", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:43:26.294971379Z", "changedAt": "2026-10-06T16:11:26.544421142Z", "fingerprint": "ecb1a91718b4" } ], "updatedAt": "2026-10-10T02:55:06.190050307Z" } }, "answer": "Plaid scores 69.8 (B) on agent readiness against Powens's 42.6 (E), and leads in every scored category.", "b": { "slug": "powens", "name": "Powens", "vendor": "Powens SAS", "vendorUrl": "https://www.powens.com", "kind": "http-api", "category": "banking-data", "summary": "Powens is a French open banking platform, formerly Budget Insight. Its REST API and hosted Webview read bank accounts, balances and transactions with the account holder's consent, verify account ownership and start bank payments in Europe.", "url": "https://www.anchorterminal.com/tools/powens", "markdownUrl": "https://www.anchorterminal.com/tools/powens.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/powens.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/powens.json", "repo": "https://github.com/powenscompany/powens-connect-ios", "license": "Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0", "transports": [ "http" ], "remoteUrl": "https://{domain}.biapi.pro/2.0", "packages": [], "auth": "mixed", "authNotes": "A client ID and client secret from the console, sent in the body of `POST /auth/init`, return a permanent user token that is sent as `authorization: Bearer`. A permanent token has no expiry and is revoked with `DELETE /auth/token` or `POST /auth/renew` with `revoke_previous`. The Webview takes a temporary code from `GET /auth/token/code`, valid 30 minutes or once. Payments use 30-minute service tokens with `payments:*` scopes. Listing users and changing configuration need separate tokens from the console settings. Console signup is self-serve for a sandbox domain. Live access is by purchase order.", "pricing": "paid", "pricingNotes": "No public prices. The site has no pricing page, and product pages lead to a meeting request (https://www.powens.com/products/transactions/, checked 2026-10-09). The conditions of sale set fees in a purchase order by volume of users, invoiced in advance with a monthly invoice for excess users, and revise prices each year by the SYNTEC index. A free console account gives a sandbox domain with a test connector. No card is mentioned for signup.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference pages read or the site (checked 2026-10-09).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-09" }, "docsUrl": "https://docs.powens.com/documentation", "llmsTxt": "https://docs.powens.com/api-reference/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent", "bank.identity", "bank.payments" ], "tags": [ "hosted", "llms-txt", "webhooks", "sandbox", "eu", "enterprise", "sales-led", "closed-source" ], "graded": true, "anchor": { "graded": true, "score": 42.6, "grade": "E", "agentReady": false, "rank": 892, "ranked": true, "rankOf": 950, "categoryRank": 13, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 57, "maintenance": 33, "payments": 10, "reliability": 27, "schema": 48, "security": 60, "transparency": 63 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-09" }, "negative": 0, "verdict": "Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.", "bestFor": "A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.", "strengths": [ "Both docs spaces publish llms.txt and a Markdown twin of every page, and robots.txt states `ai-input=yes`", "Transactions take `limit` up to 1,000, opaque cursor links, `min_date`, `max_date`, `last_update` and value filters", "`DELETE /users/{userId}/connections/{connectionId}` is documented as a permanent erasure of the connection and all its data", "Payment service tokens last 30 minutes and carry scopes such as `payments:read-only`, `payments:validate` and `payments:cancel`", "Powens SAS is a payment institution registered with the ACPR under CIB 16948, and its terms name hosting sub-processors in France" ], "weaknesses": [ "No OpenAPI or other machine-readable contract was found. The reference is hand-written tables", "No public prices. Fees are set per volume of users in a signed purchase order", "No status page is linked from the site or docs read, and no uptime SLA appears in the conditions of sale", "No idempotency key or documented 429 handling was found, and production rate limits are not published", "The only SDK found is an iOS package at 1.0.0-beta, last changed on 1 October 2024" ], "agentNotes": [ "Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`", "Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given", "Enable an account with `POST` and `{\"disabled\": false}` only after the account holder consents. Accounts arrive disabled with no transactions", "Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header", "Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 42.6 } ], "editorialScores": { "ergonomics": 57, "maintenance": 33, "payments": 10, "reliability": 27, "schema": 48, "security": 60, "transparency": 64 }, "provenanceScore": 61 }, "connect": { "http": "curl https://{domain}.biapi.pro/2.0/connectors/" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/powens" }, "area": "domain-data", "provenance": { "legalEntity": "Powens SAS", "domain": "powens.com", "domainRegistered": "2000-03-01", "endpointOnVendorDomain": false, "terms": "https://www.powens.com/sas-conditions-sale/", "privacy": "https://www.powens.com/sas-privacy-policy/", "statusPage": "", "changelog": "https://budget-insight.notion.site/Changelog-public-edc79d1d9e0a4608928df68fafa811bb", "securityTxt": "none", "checked": "2026-10-09", "notes": [ "The legal notice names Powens, a simplified joint-stock company with share capital of 44,037.90 euros, 84 rue Beaubourg, 75003 Paris, Paris trade register number 749 867 206, registered with the ACPR as a payment institution under CIB 16948.", "The terms link is the General Terms and Conditions of Sale, which apply to services Powens performs for clients under a purchase order and are governed by French law. The page carries no version or date. A separate Terms and Conditions of Use page binds the account holders who use the Webview.", "The privacy link is the Powens SAS privacy policy, which covers the website, console accounts and financial data, and lists processors with a column for transfers outside the EU. The page carries no date. A group privacy policy and one for the Spanish regulated entity are separate pages.", "The API answers at https://{domain}.biapi.pro, a second domain registered on 5 February 2014, and the Webview at webview.powens.com. The docs still link console.budget-insight.com and docs.budget-insight.com in places.", "www.powens.com/.well-known/security.txt returns 404. No vulnerability disclosure policy or bug bounty was found on the pages read.", "No status page is linked from the home page, the product pages or the docs read. status.powens.com was a guess and could not be reached from our network, so its existence is unchecked.", "The changelog is a Notion page linked from the docs home. It is drawn by script and was not read. Verisign RDAP gives the powens.com registration date and OVH as registrar.", "Powens acquired the Spanish electronic money institution Unnax in 2024, and Unnax took the Powens brand in 2026 per powens.com/unnax-is-powens." ], "score": 61 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/powens.json", "live": { "slug": "powens", "probe": { "target": "https://{domain}.biapi.pro/2.0", "method": "get", "lastAt": "2026-10-10T02:55:06.654991411Z", "lastOk": false, "lastStatus": 0, "lastMs": 0, "lastNote": "invalid character \"{\" in host name", "authRequired": false, "uptime24h": 0, "uptime30d": 0, "p50ms24h": 0, "p95ms24h": 0, "samples24h": 115, "samples30d": 115, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 0 }, { "date": "2026-10-10", "probes": 30, "ok": 0 } ], "outages": [ { "start": "2026-10-09T15:43:17.921158871Z", "end": "0001-01-01T00:00:00Z", "note": "invalid character \"{\" in host name" } ] }, "versions": [ { "registry": "github", "name": "powenscompany/powens-connect-ios", "version": "1.0.0-beta", "released": "2024-09-30", "seenAt": "2026-10-09T17:14:20.632650104Z" } ], "githubStars": 1, "pages": [ { "url": "https://budget-insight.notion.site/Changelog-public-edc79d1d9e0a4608928df68fafa811bb", "kind": "changelog", "status": 404, "checkedAt": "2026-10-09T18:33:19.38191606Z", "changedAt": "0001-01-01T00:00:00Z" }, { "url": "https://www.powens.com/sas-privacy-policy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:53:14.750162665Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "4bbb4f60d121" }, { "url": "https://www.powens.com/sas-conditions-sale/", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:53:12.685497091Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "7ce097c66886" } ], "updatedAt": "2026-10-10T02:55:06.654991411Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Plaid", "b": "Powens SAS", "name": "Vendor" }, { "a": "https://production.plaid.com", "b": "https://{domain}.biapi.pro/2.0", "name": "Hosted endpoint" }, { "a": "HTTP, stdio, Streamable HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "MIT (SDKs and MCP server)", "b": "Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0", "name": "Licence" }, { "a": "4", "b": "none", "name": "Tools exposed" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-24", "b": "none", "name": "Last release" }, { "a": "2025-12-01", "b": "no date given", "name": "Terms last updated" }, { "a": "2025-12-01", "b": "no date given", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "not found in the text", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "yes", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "586 stars, 1.3M npm/wk, 657k PyPI/wk", "b": "none", "name": "Popularity" }, { "a": "3.5/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "Plaid scores 69.8 (B) on agent readiness against Powens's 42.6 (E), and leads in every scored category.", "question": "Which is better for AI agents, Plaid or Powens?" }, { "answer": "Both take an API key or an OAuth sign-in.", "question": "Do Plaid and Powens need an API key?" }, { "answer": "Yes. Plaid has a hosted endpoint at https://production.plaid.com and Powens at https://{domain}.biapi.pro/2.0.", "question": "Can an agent call Plaid and Powens without installing anything?" }, { "answer": "Plaid is open source (MIT (SDKs and MCP server)). No open-source release is listed for Powens.", "question": "Are Plaid and Powens open source?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 68 against 27", "Schema \u0026 documentation, 93 against 48", "Agent ergonomics, 82 against 57", "Security \u0026 auth, 67 against 60", "Payments \u0026 pricing, 15 against 10", "Maintenance \u0026 community, 83 against 33", "Transparency \u0026 trust, 79 against 63" ], "also": [ "Runs on your own machine", "Open source" ], "goodFor": "US and Canadian account, transaction, identity and income data, with Transfer for payments.", "slug": "plaid", "watchFor": "No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed" }, { "aheadOn": null, "also": null, "goodFor": "A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.", "slug": "powens", "watchFor": "No OpenAPI or other machine-readable contract was found. The reference is hand-written tables" } ], "job": { "capability": "bank.accounts", "name": "Bank account data" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-plaid.json", "title": "Akoya vs Plaid", "url": "https://www.anchorterminal.com/compare/akoya-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-powens.json", "title": "Akoya vs Powens", "url": "https://www.anchorterminal.com/compare/akoya-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-plaid.json", "title": "Basiq vs Plaid", "url": "https://www.anchorterminal.com/compare/basiq-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/basiq-vs-powens.json", "title": "Basiq vs Powens", "url": "https://www.anchorterminal.com/compare/basiq-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-plaid.json", "title": "Belvo vs Plaid", "url": "https://www.anchorterminal.com/compare/belvo-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-powens.json", "title": "Belvo vs Powens", "url": "https://www.anchorterminal.com/compare/belvo-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-plaid.json", "title": "Enable Banking vs Plaid", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-powens.json", "title": "Enable Banking vs Powens", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-plaid.json", "title": "Flinks vs Plaid", "url": "https://www.anchorterminal.com/compare/flinks-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-powens.json", "title": "Flinks vs Powens", "url": "https://www.anchorterminal.com/compare/flinks-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.json", "title": "GoCardless Bank Account Data vs Plaid", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.json", "title": "GoCardless Bank Account Data vs Powens", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-plaid.json", "title": "MX Platform API vs Plaid", "url": "https://www.anchorterminal.com/compare/mx-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/mx-vs-powens.json", "title": "MX Platform API vs Powens", "url": "https://www.anchorterminal.com/compare/mx-vs-powens" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-salt-edge.json", "title": "Plaid vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/plaid-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-teller.json", "title": "Plaid vs Teller", "url": "https://www.anchorterminal.com/compare/plaid-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-tink.json", "title": "Plaid vs Tink", "url": "https://www.anchorterminal.com/compare/plaid-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-truelayer.json", "title": "Plaid vs TrueLayer", "url": "https://www.anchorterminal.com/compare/plaid-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-yapily.json", "title": "Plaid vs Yapily", "url": "https://www.anchorterminal.com/compare/plaid-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.json", "title": "Plaid vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-salt-edge.json", "title": "Powens vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/powens-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-teller.json", "title": "Powens vs Teller", "url": "https://www.anchorterminal.com/compare/powens-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-tink.json", "title": "Powens vs Tink", "url": "https://www.anchorterminal.com/compare/powens-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-truelayer.json", "title": "Powens vs TrueLayer", "url": "https://www.anchorterminal.com/compare/powens-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-yapily.json", "title": "Powens vs Yapily", "url": "https://www.anchorterminal.com/compare/powens-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.json", "title": "Powens vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data" } ], "scores": [ { "by": 41, "edge": "plaid", "key": "reliability", "name": "Reliability", "plaid": 68, "powens": 27, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 45, "edge": "plaid", "key": "schema", "name": "Schema \u0026 documentation", "plaid": 93, "powens": 48, "weight": 13 }, { "by": 25, "edge": "plaid", "key": "ergonomics", "name": "Agent ergonomics", "plaid": 82, "powens": 57, "weight": 13 }, { "by": 7, "edge": "plaid", "key": "security", "name": "Security \u0026 auth", "plaid": 67, "powens": 60, "weight": 14 }, { "by": 5, "edge": "plaid", "key": "payments", "name": "Payments \u0026 pricing", "plaid": 15, "powens": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 50, "edge": "plaid", "key": "maintenance", "name": "Maintenance \u0026 community", "plaid": 83, "powens": 33, "weight": 7 }, { "by": 16, "edge": "plaid", "key": "transparency", "name": "Transparency \u0026 trust", "plaid": 79, "powens": 63, "weight": 7 } ], "summary": "Plaid scores 69.8 (B) on agent readiness against Powens's 42.6 (E), and leads in every scored category. Both do bank account data.", "verdicts": { "plaid": "Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page. No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed.", "powens": "Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/plaid-vs-powens", "json": "https://www.anchorterminal.com/compare/plaid-vs-powens.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/plaid-vs-powens.md", "slim": "https://www.anchorterminal.com/compare/plaid-vs-powens.min.md" }, "markdown": "Plaid scores 69.8 (B) on agent readiness against Powens's 42.6 (E), and leads in every scored category. Both do bank account data.\n\n- Plaid: grade B, 69.8/100, rank #169 of 950. Markdown https://www.anchorterminal.com/tools/plaid.md · JSON https://www.anchorterminal.com/api/v1/tools/plaid.json\n- Powens: grade E, 42.6/100, rank #892 of 950. Markdown https://www.anchorterminal.com/tools/powens.md · JSON https://www.anchorterminal.com/api/v1/tools/powens.json\n- Best open banking and bank data APIs for AI agents: https://www.anchorterminal.com/best/banking-data/index.md\n- All 105 bank data comparisons: https://www.anchorterminal.com/compare/banking-data/index.md\n\n## Which one, for what\n\n### Plaid (B)\n\nGood for: US and Canadian account, transaction, identity and income data, with Transfer for payments.\n\nAhead on:\n- Reliability, 68 against 27\n- Schema \u0026 documentation, 93 against 48\n- Agent ergonomics, 82 against 57\n- Security \u0026 auth, 67 against 60\n- Payments \u0026 pricing, 15 against 10\n- Maintenance \u0026 community, 83 against 33\n- Transparency \u0026 trust, 79 against 63\n\nAlso in its favour:\n- Runs on your own machine\n- Open source\n\nWatch for: No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed\n\n### Powens (E)\n\nGood for: A European product, strongest in France, that needs account and transaction data plus wealth, loan and document data under Powens' own licence.\n\nWatch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables\n\n\n## Score by category\n\n| Category | Weight | Plaid | Powens | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 68 | 27 | Plaid +41 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 93 | 48 | Plaid +45 |\n| Agent ergonomics | 13% (16.2 this run) | 82 | 57 | Plaid +25 |\n| Security \u0026 auth | 14% (17.5 this run) | 67 | 60 | Plaid +7 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 15 | 10 | Plaid +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 83 | 33 | Plaid +50 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 79 | 63 | Plaid +16 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **69.8 · B** | **42.6 · E** | |\n\n## Facts side by side\n\n| Fact | Plaid | Powens |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Plaid | Powens SAS |\n| Hosted endpoint | `https://production.plaid.com` | `https://{domain}.biapi.pro/2.0` |\n| Transports | HTTP, stdio, Streamable HTTP | HTTP |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | MIT (SDKs and MCP server) | Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 |\n| Tools exposed | 4 | none |\n| Read-only variant documented | no | yes |\n| llms.txt | yes | yes |\n| Last release | 2026-09-24 | none |\n| Terms last updated | 2025-12-01 | no date given |\n| Privacy policy last updated | 2025-12-01 | no date given |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | not found in the text |\n| Terms restrict benchmarking | yes | not found in the text |\n| Terms or service can change without notice | not found in the text | not found in the text |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\n| Popularity | 586 stars, 1.3M npm/wk, 657k PyPI/wk | none |\n| Agent reviews | 3.5/5 (2) | none |\n\n## Verdicts\n\n**Plaid.** Public OpenAPI file, llms.txt with about 250 entries and a Markdown twin of every docs page. No prices before a Production application, and Transactions, Liabilities and Investments bill per Item each month until removed.\n\n**Powens.** Powens documents a REST API with Markdown docs, cursor pagination, date filters and a hard-delete call for connections, under a French payment institution licence. No OpenAPI file, public price, status page, idempotency key or server SDK was found, and live access needs a signed purchase order.\n\n## Before you call either\n\n### Plaid\n\n1. Point calls at https://sandbox.plaid.com until you hold a Production secret; request shapes are the same\n2. Create a sandbox Item with /sandbox/public_token/create and ins_109508, then /item/public_token/exchange, no Link UI needed\n3. Use /transactions/sync with its cursor and back off on 429 RATE_LIMIT_EXCEEDED yourself, since no Retry-After comes back\n4. Call /item/remove when the user is done, or subscription products keep billing\n5. Send an idempotency_key on `/transfer/authorization/create` so a retried request can't authorise twice\n\n### Powens\n\n1. Ask the owner for the domain name, client ID and client secret from the console. Every call goes to `https://{domain}.biapi.pro/2.0`\n2. Send `limit` on every transactions list. It is required, at most 1,000, and the next page comes from `_links.next.href` used as given\n3. Enable an account with `POST` and `{\"disabled\": false}` only after the account holder consents. Accounts arrive disabled with no transactions\n4. Store the permanent user token as a secret. It does not expire, and the default webhook sends it in the `Authorization` header\n5. Stay under 30 calls a minute in the sandbox and use webhooks in place of polling, as the fair usage policy asks\n\n## Questions\n\n### Which is better for AI agents, Plaid or Powens?\n\nPlaid scores 69.8 (B) on agent readiness against Powens's 42.6 (E), and leads in every scored category.\n\n### Do Plaid and Powens need an API key?\n\nBoth take an API key or an OAuth sign-in.\n\n### Can an agent call Plaid and Powens without installing anything?\n\nYes. Plaid has a hosted endpoint at https://production.plaid.com and Powens at https://{domain}.biapi.pro/2.0.\n\n### Are Plaid and Powens open source?\n\nPlaid is open source (MIT (SDKs and MCP server)). No open-source release is listed for Powens.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/plaid-vs-powens.json, and with the fewest tokens: https://www.anchorterminal.com/compare/plaid-vs-powens.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"plaid\", \"b\": \"powens\"}`. From a terminal: `anchor compare plaid powens`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/plaid.json and https://www.anchorterminal.com/api/v1/tools/powens.json\n\n## Other comparisons with Plaid or Powens\n\n- [Akoya vs Plaid](https://www.anchorterminal.com/compare/akoya-vs-plaid.md)\n- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)\n- [Basiq vs Plaid](https://www.anchorterminal.com/compare/basiq-vs-plaid.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Belvo vs Plaid](https://www.anchorterminal.com/compare/belvo-vs-plaid.md)\n- [Belvo vs Powens](https://www.anchorterminal.com/compare/belvo-vs-powens.md)\n- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)\n- [Enable Banking vs Powens](https://www.anchorterminal.com/compare/enable-banking-vs-powens.md)\n- [Flinks vs Plaid](https://www.anchorterminal.com/compare/flinks-vs-plaid.md)\n- [Flinks vs Powens](https://www.anchorterminal.com/compare/flinks-vs-powens.md)\n- [GoCardless Bank Account Data vs Plaid](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.md)\n- [GoCardless Bank Account Data vs Powens](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.md)\n- [MX Platform API vs Plaid](https://www.anchorterminal.com/compare/mx-vs-plaid.md)\n- [MX Platform API vs Powens](https://www.anchorterminal.com/compare/mx-vs-powens.md)\n- [Plaid vs Salt Edge Account Information](https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md)\n- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)\n- [Plaid vs Tink](https://www.anchorterminal.com/compare/plaid-vs-tink.md)\n- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.md)\n- [Plaid vs Yapily](https://www.anchorterminal.com/compare/plaid-vs-yapily.md)\n- [Plaid vs Yodlee Core API](https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.md)\n- [Powens vs Salt Edge Account Information](https://www.anchorterminal.com/compare/powens-vs-salt-edge.md)\n- [Powens vs Teller](https://www.anchorterminal.com/compare/powens-vs-teller.md)\n- [Powens vs Tink](https://www.anchorterminal.com/compare/powens-vs-tink.md)\n- [Powens vs TrueLayer](https://www.anchorterminal.com/compare/powens-vs-truelayer.md)\n- [Powens vs Yapily](https://www.anchorterminal.com/compare/powens-vs-yapily.md)\n- [Powens vs Yodlee Core API](https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Plaid vs Powens", "url": "" } ], "description": "Plaid scores 69.8 (B) to Powens's 42.6 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Plaid B 69.8", "Powens E 42.6", "scores" ], "h1": "Plaid vs Powens", "image": "https://www.anchorterminal.com/assets/og/compare-plaid-vs-powens.png", "path": "/compare/plaid-vs-powens", "published": "2026-10-01", "section": "tools", "title": "Plaid vs Powens for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/plaid-vs-powens" }, "tokens": { "markdown": 2400, "slim": 630 }, "version": 1 }