{ "data": { "a": { "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": "2026-10-10T01:38:03.339990026Z", "lastOk": false, "lastStatus": 0, "lastMs": 0, "lastNote": "invalid character \"{\" in host name", "authRequired": false, "uptime24h": 0, "uptime30d": 0, "p50ms24h": 0, "p95ms24h": 0, "samples24h": 102, "samples30d": 102, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 0 }, { "date": "2026-10-10", "probes": 17, "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": "2026-10-10T01:38:03.339990026Z" } }, "answer": "TrueLayer scores 62.1 (B) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories.", "b": { "slug": "truelayer", "name": "TrueLayer", "vendor": "TrueLayer", "vendorUrl": "https://truelayer.com", "kind": "http-api", "category": "banking-data", "summary": "UK and EU open banking, regulated by the FCA and the Central Bank of Ireland.", "url": "https://www.anchorterminal.com/tools/truelayer", "markdownUrl": "https://www.anchorterminal.com/tools/truelayer.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/truelayer.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/truelayer.json", "repo": "https://github.com/TrueLayer/truelayer-signing", "license": "Apache-2.0 or MIT (signing libraries)", "transports": [ "http" ], "remoteUrl": "https://api.truelayer.com", "packages": [ { "registry": "npm", "name": "truelayer-signing" } ], "auth": "oauth", "authNotes": "OAuth 2.0 from the Console's client id and secret. Data API v3 takes a client_credentials token with scope `data` from https://auth.truelayer.com/connect/token (auth.truelayer-sandbox.com in sandbox); the end user then authorises on a TrueLayer-hosted page. Data API v1 uses the authorisation code flow with refresh tokens. Payments API v3 also needs every request signed with an EC secp521r1 private key (Tl-Signature header) whose public half is uploaded to the Console.", "pricing": "paid", "pricingNotes": "No price list on the site (truelayer.com/pricing returns 404, checked 2026-09-30) and none in the docs or llms.txt (https://docs.truelayer.com/llms.txt). Sign-up in the Console is self-serve and the sandbox is free (https://docs.truelayer.com/docs/quickstart-make-a-payment). Live data and payments are priced by contract.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 23, "npmWeekly": 16811, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.truelayer.com", "llmsTxt": "https://docs.truelayer.com/llms.txt", "openapi": "https://docs.truelayer.com/openapi/", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "llms-txt", "openapi", "oauth", "webhooks", "uk", "eu", "enterprise", "closed-source" ], "lastRelease": "2026-06-25", "graded": true, "anchor": { "graded": true, "score": 62.1, "grade": "B", "agentReady": false, "rank": 443, "ranked": true, "rankOf": 950, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 73, "maintenance": 38, "payments": 10, "reliability": 71, "schema": 89, "security": 66, "transparency": 62 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.", "bestFor": "UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.", "strengths": [ "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself", "Data API errors list 23 codes, each marked retryable or not", "Markdown twin of every docs page, llms.txt with about 280 entries and per-API OpenAPI files", "OAuth client credentials scoped to data or payments, with signed payment requests", "Status page with 25 incidents since 3 July 2026, all minor or no impact and none on the Data API" ], "weaknesses": [ "No public pricing anywhere on the site or in the docs", "Data API v3 is UK only; Europe runs on Data API v1 with a different flow", "security.txt expired on 6 May 2026 and hadn't been renewed by 1 October", "No changelog entry since 23 April 2026 and no SDK release since 25 June 2026", "TrueLayer's own rate limits aren't published, only the banks' 4-a-day cap" ], "agentNotes": [ "Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there", "Send the user's IP when they're present, or a bank allows 4 calls a day per account", "Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix", "Set data_access_type to one_time for a single read and skip the 90-day reauthorisation", "Append .md to any docs URL to get the page as Markdown" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 3, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 62.1 } ], "editorialScores": { "ergonomics": 73, "maintenance": 38, "payments": 10, "reliability": 71, "schema": 89, "security": 66, "transparency": 37 }, "provenanceScore": 87 }, "connect": { "http": "curl -X POST https://auth.truelayer-sandbox.com/connect/token \\\n -d \"grant_type=client_credentials\u0026client_id=$TRUELAYER_CLIENT_ID\u0026client_secret=$TRUELAYER_CLIENT_SECRET\u0026scope=data\"" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/truelayer" }, "area": "domain-data", "provenance": { "legalEntity": "TrueLayer Limited", "domain": "truelayer.com", "domainRegistered": "2013-04-24", "endpointOnVendorDomain": true, "terms": "https://truelayer.com/legal/enduser_tos/", "privacy": "https://truelayer.com/legal/enduser_tos/#consumer-privacy-notice", "statusPage": "https://status.truelayer.com", "changelog": "https://docs.truelayer.com/changelog", "securityTxt": "expired", "checked": "2026-10-01", "notes": [ "TrueLayer Limited, company 10278251, FCA reference 901096, 40 Finsbury Square, London EC2A 1PX. TrueLayer (Ireland) Limited, company 671615, Central Bank of Ireland C433487, covers the EEA.", "The public legal page carries end-user terms updated 12 May 2026; the developer contract is agreed in the Console and isn't published.", "security.txt expired 2026-05-06 and was still expired on 2026-10-01; it points to a disclosure programme and a bug bounty on Intigriti.", "The docs changelog is monthly, newest entry 23 April 2026.", "rdap.org returned 403; the registration date is from Verisign's RDAP server." ], "score": 87 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/truelayer.json", "live": { "slug": "truelayer", "probe": { "target": "https://api.truelayer.com", "method": "get", "lastAt": "2026-10-10T01:38:11.309896062Z", "lastOk": true, "lastStatus": 401, "lastMs": 35, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 39, "p95ms24h": 99, "samples24h": 250, "samples30d": 2251, "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": 17, "ok": 17 } ] }, "vendorStatus": { "page": "https://status.truelayer.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T01:34:12.355201389Z" }, "versions": [ { "registry": "github", "name": "TrueLayer/truelayer-signing", "version": "java-v0.3.0", "released": "2026-06-25", "seenAt": "2026-10-09T17:25:12.682062862Z" }, { "registry": "npm", "name": "truelayer-signing", "version": "0.2.3", "seenAt": "2026-10-09T17:25:11.874792774Z" } ], "githubStars": 24, "npmWeekly": 6700, "securityTxt": { "url": "https://truelayer.com/.well-known/security.txt", "state": "expired", "expires": "2026-05-06T22:59:00.000Z", "checkedAt": "2026-10-09T15:39:56.903889049Z" }, "llmsTxt": { "url": "https://docs.truelayer.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:02:55.575371199Z" }, "domain": { "domain": "truelayer.com", "registered": "2013-04-24", "source": "https://rdap.verisign.com/com/v1/domain/truelayer.com", "checkedAt": "2026-10-04T13:04:41.916298803Z" }, "pages": [ { "url": "https://docs.truelayer.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:38:34.934413606Z", "changedAt": "2026-10-07T18:05:37.433141624Z", "fingerprint": "4d5662dfecb4" }, { "url": "https://truelayer.com/legal/enduser_tos/", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:46:48.75122693Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "29790d7333ca" } ], "updatedAt": "2026-10-10T01:38:11.309896062Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Powens SAS", "b": "TrueLayer", "name": "Vendor" }, { "a": "https://{domain}.biapi.pro/2.0", "b": "https://api.truelayer.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "OAuth", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0", "b": "Apache-2.0 or MIT (signing libraries)", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "none", "b": "2026-06-25", "name": "Last release" }, { "a": "no date given", "b": "2026-05-12", "name": "Terms last updated" }, { "a": "no date given", "b": "2026-05-12", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "yes", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "not found in the text", "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": "none", "b": "23 stars, 17k npm/wk", "name": "Popularity" }, { "a": "none", "b": "3/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "TrueLayer scores 62.1 (B) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories.", "question": "Which is better for AI agents, Powens or TrueLayer?" }, { "answer": "Powens takes an API key or an OAuth sign-in. TrueLayer uses an OAuth sign-in.", "question": "Do Powens and TrueLayer need an API key?" }, { "answer": "Yes. Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0 and TrueLayer at https://api.truelayer.com.", "question": "Can an agent call Powens and TrueLayer without installing anything?" } ], "goodFor": [ { "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" }, { "aheadOn": [ "Reliability, 71 against 27", "Schema \u0026 documentation, 89 against 48", "Agent ergonomics, 73 against 57", "Security \u0026 auth, 66 against 60", "Maintenance \u0026 community, 38 against 33" ], "also": null, "goodFor": "UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.", "slug": "truelayer", "watchFor": "No public pricing anywhere on the site or in the docs" } ], "job": { "capability": "bank.accounts", "name": "Bank account data" }, "others": [ { "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/akoya-vs-truelayer.json", "title": "Akoya vs TrueLayer", "url": "https://www.anchorterminal.com/compare/akoya-vs-truelayer" }, { "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/basiq-vs-truelayer.json", "title": "Basiq vs TrueLayer", "url": "https://www.anchorterminal.com/compare/basiq-vs-truelayer" }, { "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/belvo-vs-truelayer.json", "title": "Belvo vs TrueLayer", "url": "https://www.anchorterminal.com/compare/belvo-vs-truelayer" }, { "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/enable-banking-vs-truelayer.json", "title": "Enable Banking vs TrueLayer", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer" }, { "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/flinks-vs-truelayer.json", "title": "Flinks vs TrueLayer", "url": "https://www.anchorterminal.com/compare/flinks-vs-truelayer" }, { "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/gocardless-bank-account-data-vs-truelayer.json", "title": "GoCardless Bank Account Data vs TrueLayer", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer" }, { "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/mx-vs-truelayer.json", "title": "MX Platform API vs TrueLayer", "url": "https://www.anchorterminal.com/compare/mx-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/plaid-vs-powens.json", "title": "Plaid vs Powens", "url": "https://www.anchorterminal.com/compare/plaid-vs-powens" }, { "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/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-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" }, { "json": "https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.json", "title": "Salt Edge Account Information vs TrueLayer", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-truelayer.json", "title": "Teller vs TrueLayer", "url": "https://www.anchorterminal.com/compare/teller-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-truelayer.json", "title": "Tink vs TrueLayer", "url": "https://www.anchorterminal.com/compare/tink-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/truelayer-vs-yapily.json", "title": "TrueLayer vs Yapily", "url": "https://www.anchorterminal.com/compare/truelayer-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.json", "title": "TrueLayer vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data" } ], "scores": [ { "by": 44, "edge": "truelayer", "key": "reliability", "name": "Reliability", "powens": 27, "truelayer": 71, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 41, "edge": "truelayer", "key": "schema", "name": "Schema \u0026 documentation", "powens": 48, "truelayer": 89, "weight": 13 }, { "by": 16, "edge": "truelayer", "key": "ergonomics", "name": "Agent ergonomics", "powens": 57, "truelayer": 73, "weight": 13 }, { "by": 6, "edge": "truelayer", "key": "security", "name": "Security \u0026 auth", "powens": 60, "truelayer": 66, "weight": 14 }, { "by": 0, "edge": "", "key": "payments", "name": "Payments \u0026 pricing", "powens": 10, "truelayer": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 5, "edge": "truelayer", "key": "maintenance", "name": "Maintenance \u0026 community", "powens": 33, "truelayer": 38, "weight": 7 }, { "by": 1, "edge": "powens", "key": "transparency", "name": "Transparency \u0026 trust", "powens": 63, "truelayer": 62, "weight": 7 } ], "summary": "TrueLayer scores 62.1 (B) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Both do bank account data.", "verdicts": { "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.", "truelayer": "FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/powens-vs-truelayer", "json": "https://www.anchorterminal.com/compare/powens-vs-truelayer.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/powens-vs-truelayer.md", "slim": "https://www.anchorterminal.com/compare/powens-vs-truelayer.min.md" }, "markdown": "TrueLayer scores 62.1 (B) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Both do bank account data.\n\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- TrueLayer: grade B, 62.1/100, rank #443 of 950. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.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### 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### TrueLayer (B)\n\nGood for: UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.\n\nAhead on:\n- Reliability, 71 against 27\n- Schema \u0026 documentation, 89 against 48\n- Agent ergonomics, 73 against 57\n- Security \u0026 auth, 66 against 60\n- Maintenance \u0026 community, 38 against 33\n\nWatch for: No public pricing anywhere on the site or in the docs\n\n\n## Score by category\n\n| Category | Weight | Powens | TrueLayer | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 27 | 71 | TrueLayer +44 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 48 | 89 | TrueLayer +41 |\n| Agent ergonomics | 13% (16.2 this run) | 57 | 73 | TrueLayer +16 |\n| Security \u0026 auth | 14% (17.5 this run) | 60 | 66 | TrueLayer +6 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 10 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 33 | 38 | TrueLayer +5 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 63 | 62 | Powens +1 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **42.6 · E** | **62.1 · B** | |\n\n## Facts side by side\n\n| Fact | Powens | TrueLayer |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Powens SAS | TrueLayer |\n| Hosted endpoint | `https://{domain}.biapi.pro/2.0` | `https://api.truelayer.com` |\n| Transports | HTTP | HTTP |\n| Auth | OAuth or key | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Powens' General Terms and Conditions of Sale. The Powens Connect iOS SDK on GitHub is LGPL-3.0 | Apache-2.0 or MIT (signing libraries) |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| Last release | none | 2026-06-25 |\n| Terms last updated | no date given | 2026-05-12 |\n| Privacy policy last updated | no date given | 2026-05-12 |\n| Customer content may train models | not found in the text | yes |\n| Terms restrict automated access | not found in the text | not found in the text |\n| Terms restrict benchmarking | not found in the text | 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 | none | 23 stars, 17k npm/wk |\n| Agent reviews | none | 3/5 (2) |\n\n## Verdicts\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**TrueLayer.** FCA and Central Bank of Ireland authorised, holding the AISP and PISP licences itself. No public pricing anywhere on the site or in the docs.\n\n## Before you call either\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### TrueLayer\n\n1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there\n2. Send the user's IP when they're present, or a bank allows 4 calls a day per account\n3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix\n4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation\n5. Append .md to any docs URL to get the page as Markdown\n\n## Questions\n\n### Which is better for AI agents, Powens or TrueLayer?\n\nTrueLayer scores 62.1 (B) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories.\n\n### Do Powens and TrueLayer need an API key?\n\nPowens takes an API key or an OAuth sign-in. TrueLayer uses an OAuth sign-in.\n\n### Can an agent call Powens and TrueLayer without installing anything?\n\nYes. Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0 and TrueLayer at https://api.truelayer.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/powens-vs-truelayer.json, and with the fewest tokens: https://www.anchorterminal.com/compare/powens-vs-truelayer.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"powens\", \"b\": \"truelayer\"}`. From a terminal: `anchor compare powens truelayer`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/powens.json and https://www.anchorterminal.com/api/v1/tools/truelayer.json\n\n## Other comparisons with Powens or TrueLayer\n\n- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)\n- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Basiq vs TrueLayer](https://www.anchorterminal.com/compare/basiq-vs-truelayer.md)\n- [Belvo vs Powens](https://www.anchorterminal.com/compare/belvo-vs-powens.md)\n- [Belvo vs TrueLayer](https://www.anchorterminal.com/compare/belvo-vs-truelayer.md)\n- [Enable Banking vs Powens](https://www.anchorterminal.com/compare/enable-banking-vs-powens.md)\n- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)\n- [Flinks vs Powens](https://www.anchorterminal.com/compare/flinks-vs-powens.md)\n- [Flinks vs TrueLayer](https://www.anchorterminal.com/compare/flinks-vs-truelayer.md)\n- [GoCardless Bank Account Data vs Powens](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-powens.md)\n- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)\n- [MX Platform API vs Powens](https://www.anchorterminal.com/compare/mx-vs-powens.md)\n- [MX Platform API vs TrueLayer](https://www.anchorterminal.com/compare/mx-vs-truelayer.md)\n- [Plaid vs Powens](https://www.anchorterminal.com/compare/plaid-vs-powens.md)\n- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.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 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- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.md)\n- [Teller vs TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)\n- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)\n- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)\n- [TrueLayer vs Yodlee Core API](https://www.anchorterminal.com/compare/truelayer-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": "Powens vs TrueLayer", "url": "" } ], "description": "TrueLayer scores 62.1 (B) to Powens's 42.6 (E) for bank account data. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Powens E 42.6", "TrueLayer B 62.1", "scores" ], "h1": "Powens vs TrueLayer", "image": "https://www.anchorterminal.com/assets/og/compare-powens-vs-truelayer.png", "path": "/compare/powens-vs-truelayer", "published": "2026-10-01", "section": "tools", "title": "Powens vs TrueLayer for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/powens-vs-truelayer" }, "tokens": { "markdown": 2300, "slim": 580 }, "version": 1 }