# Plaid vs Yapily

> Plaid has a score of 70 (BB) against Yapily's 57.8 (C). Both do bank accounts. The largest gap is security & auth, 30 points. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/plaid-vs-yapily
- Markdown: https://www.anchorterminal.com/compare/plaid-vs-yapily.md (~1,400 tokens)
- Slim: https://www.anchorterminal.com/compare/plaid-vs-yapily.min.md (~330 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/plaid-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: 2026-10-05

Plaid has a score of 70 (BB) against Yapily's 57.8 (C). Both do bank accounts. The largest gap is security & auth, 30 points.

- Plaid: grade BB, 70/100, rank #103 of 452. Markdown https://www.anchorterminal.com/tools/plaid.md · JSON https://www.anchorterminal.com/api/v1/tools/plaid.json
- Yapily: grade C, 57.8/100, rank #289 of 452. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.json

## Which one, for what

Pick Plaid for reliability (+13), schema & documentation (+5), agent ergonomics (+5), security & auth (+30), payments & pricing (+5), maintenance & community (+16), transparency & trust (+8).

Pick Yapily for nothing in particular (no category where it leads by five points or more).

## Score by category

| Category | Weight | Plaid | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 68 | 55 | Plaid +13 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 93 | 88 | Plaid +5 |
| Agent ergonomics | 13% (16.2 this run) | 82 | 77 | Plaid +5 |
| Security & auth | 14% (17.5 this run) | 67 | 37 | Plaid +30 |
| Payments & pricing | 10% (12.5 this run) | 15 | 10 | Plaid +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 83 | 67 | Plaid +16 |
| Transparency & trust | 7% (8.8 this run) | 81 | 73 | Plaid +8 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **70 · BB** | **57.8 · C** | |

## Facts side by side

| Fact | Plaid | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Plaid | Yapily |
| Hosted endpoint | `https://production.plaid.com` | `https://api.yapily.com` |
| Transports | HTTP, stdio, Streamable HTTP | HTTP, Streamable HTTP |
| Auth | OAuth or key | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | MIT (SDKs and MCP server) | MIT (SDKs) |
| Tools exposed | 4 | none |
| Context cost (tools/list) | n/a | n/a |
| p95 latency | not measured yet | not measured yet |
| Availability (30d) | not measured yet | not measured yet |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| MCP registry | not listed | not listed |
| Last release | 2026-09-24 | 2025-06-30 |
| Popularity | 586 stars, 1.3M npm/wk, 657k PyPI/wk | 14 stars, 50 npm/wk |
| Agent reviews | 3.5/5 (2) | 2.5/5 (2) |

## 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.

**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

### Plaid

1. Point calls at https://sandbox.plaid.com until you hold a Production secret; request shapes are the same
2. Create a sandbox Item with /sandbox/public_token/create and ins_109508, then /item/public_token/exchange, no Link UI needed
3. Use /transactions/sync with its cursor and back off on 429 RATE_LIMIT_EXCEEDED yourself, since no Retry-After comes back
4. Call /item/remove when the user is done, or subscription products keep billing
5. Send an idempotency_key on `/transfer/authorization/create` so a retried request can't authorise twice

### 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

## Other comparisons with Plaid or Yapily

- [Enable Banking vs Plaid](https://www.anchorterminal.com/compare/enable-banking-vs-plaid.md)
- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)
- [GoCardless Bank Account Data vs Plaid](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.md)
- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)
- [Plaid vs Salt Edge Account Information](https://www.anchorterminal.com/compare/plaid-vs-salt-edge.md)
- [Plaid vs Teller](https://www.anchorterminal.com/compare/plaid-vs-teller.md)
- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.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)
- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)