{ "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": "2026-10-10T04:41:00.230266985Z", "lastOk": false, "lastStatus": 0, "lastMs": 0, "lastNote": "invalid character \"{\" in host name", "authRequired": false, "uptime24h": 0, "uptime30d": 0, "p50ms24h": 0, "p95ms24h": 0, "samples24h": 133, "samples30d": 133, "days": [ { "date": "2026-10-09", "probes": 85, "ok": 0 }, { "date": "2026-10-10", "probes": 48, "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": "2026-10-10T04:41:00.230266985Z" } }, "answer": "Yapily scores 57.6 (C) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth.", "b": { "slug": "yapily", "name": "Yapily", "vendor": "Yapily", "vendorUrl": "https://www.yapily.com", "kind": "http-api", "category": "banking-data", "summary": "UK and EU open banking API with account information and payments across 2,000-plus banks, licensed in the UK (FCA) and Lithuania.", "url": "https://www.anchorterminal.com/tools/yapily", "markdownUrl": "https://www.anchorterminal.com/tools/yapily.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/yapily.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/yapily.json", "repo": "https://github.com/yapily/yapily-sdk-nodejs", "license": "MIT (SDKs)", "transports": [ "http", "streamable-http" ], "remoteUrl": "https://api.yapily.com", "packages": [ { "registry": "npm", "name": "@yapily/yapily-api" } ], "auth": "api-key", "authNotes": "HTTP basic auth with the application id as the username and the application secret as the password, downloaded as a JSON file from the Console. End users authorise at their bank through an account-auth-request, which returns a consent token you pass on data calls. The docs MCP server at docs.yapily.com/mcp needs no auth at all, because it only searches the documentation.", "pricing": "paid", "pricingNotes": "No published prices. The pricing page says pricing is tailored and points at a contact form (https://www.yapily.com/pricing). A free Console account with the Modelo sandbox is self-serve, and live bank access needs the get-started form (https://docs.yapily.com/getting-started/get-started.md).", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 14, "npmWeekly": 50, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://docs.yapily.com", "llmsTxt": "https://docs.yapily.com/llms.txt", "openapi": "https://docs.yapily.com/openapi-converted.json", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "llms-txt", "openapi", "mcp", "uk", "eu", "webhooks", "enterprise", "closed-source" ], "lastRelease": "2025-06-30", "graded": true, "anchor": { "graded": true, "score": 57.6, "grade": "C", "agentReady": false, "rank": 603, "ranked": true, "rankOf": 950, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 77, "maintenance": 67, "payments": 10, "reliability": 55, "schema": 88, "security": 37, "transparency": 71 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "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.", "bestFor": "UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.", "strengths": [ "llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file", "Error bodies carry a source of USER, INSTITUTION or YAPILY and a tracingId", "Changelog with ten dated entries from July to September 2026, breaking changes flagged", "Public subprocessor list with locations, primary hosting in London", "Transactions take from, before, limit up to 1,000 and sort" ], "weaknesses": [ "No public pricing; live access starts with a sales form", "No security.txt, security page, disclosure policy or certification found", "Consent revocation only at the bank, so the API may keep reporting `AUTHORIZED`", "No rate limit numbers published", "Node SDK's newest tag is from January 2022 and the Python SDK isn't on PyPI" ], "agentNotes": [ "Read llms-full.txt once and cache it; it's the whole documentation in one fetch", "Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty", "Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation", "Check the error source field first; USER and INSTITUTION failures won't clear on retry", "In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 57.6 } ], "editorialScores": { "ergonomics": 77, "maintenance": 67, "payments": 10, "reliability": 55, "schema": 88, "security": 37, "transparency": 70 }, "provenanceScore": 72 }, "connect": { "http": "curl -u \"$YAPILY_APPLICATION_ID:$YAPILY_APPLICATION_SECRET\" https://api.yapily.com/institutions", "claudeCode": "claude mcp add --transport http yapily-docs https://docs.yapily.com/mcp", "config": { "mcpServers": { "yapily-docs": { "type": "http", "url": "https://docs.yapily.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/yapily" }, "area": "domain-data", "provenance": { "legalEntity": "Yapily Ltd", "domain": "yapily.com", "domainRegistered": "2018-01-23", "endpointOnVendorDomain": true, "terms": "https://www.yapily.com/legal/website-terms-of-use", "privacy": "https://www.yapily.com/legal/privacy-policy", "statusPage": "https://status.yapily.com", "changelog": "", "securityTxt": "none", "checked": "2026-09-30", "notes": [ "Yapily Ltd, company 10842280, 66 Paul Street, London EC2A 4NA, is unregulated; Yapily Connect Ltd (company 11598433, FCA 827001) and Yapily Connect UAB (company 305602679, Bank of Lithuania LB002045) hold the licences.", "The customer contract is the Data Handling Agreement at yapily.com/legal/data-handling-agreement; the website terms are what's public.", "www.yapily.com/.well-known/security.txt returns 404.", "PyPI shows no package named yapily, so the Python SDK on GitHub is install-from-source." ], "score": 72 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/yapily.json", "live": { "slug": "yapily", "probe": { "target": "https://api.yapily.com", "method": "get", "lastAt": "2026-10-10T04:41:09.972026325Z", "lastOk": true, "lastStatus": 404, "lastMs": 147, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 150, "p95ms24h": 215, "samples24h": 248, "samples30d": 2282, "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": 48, "ok": 48 } ] }, "vendorStatus": { "page": "https://status.yapily.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T04:41:36.924767555Z" }, "versions": [ { "registry": "npm", "name": "@yapily/yapily-api", "version": "8.0.0", "seenAt": "2026-10-09T17:29:14.202087627Z" } ], "githubStars": 14, "npmWeekly": 17, "securityTxt": { "url": "https://yapily.com/.well-known/security.txt", "state": "none", "checkedAt": "2026-10-09T15:40:19.828998176Z" }, "llmsTxt": { "url": "https://docs.yapily.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-09T14:03:02.052519597Z" }, "domain": { "domain": "yapily.com", "registered": "2018-01-23", "source": "https://rdap.verisign.com/com/v1/domain/yapily.com", "checkedAt": "2026-10-04T13:06:12.962175252Z" }, "pages": [ { "url": "https://www.yapily.com/pricing", "kind": "pricing", "status": 200, "checkedAt": "2026-10-09T18:55:59.840026407Z", "changedAt": "2026-10-09T18:55:59.840026407Z", "fingerprint": "2b46f252c706" }, { "url": "https://www.yapily.com/legal/privacy-policy", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:55:55.727825634Z", "changedAt": "2026-10-09T18:55:55.727825634Z", "fingerprint": "00dc9f949cb0" }, { "url": "https://www.yapily.com/legal/website-terms-of-use", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:55:57.874947083Z", "changedAt": "2026-10-09T18:55:57.874947083Z", "fingerprint": "738a94a50562" } ], "updatedAt": "2026-10-10T04:41:36.924767555Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Powens SAS", "b": "Yapily", "name": "Vendor" }, { "a": "https://{domain}.biapi.pro/2.0", "b": "https://api.yapily.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP, Streamable HTTP", "name": "Transports" }, { "a": "OAuth or key", "b": "API key", "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": "MIT (SDKs)", "name": "Licence" }, { "a": "yes", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "none", "b": "2025-06-30", "name": "Last release" }, { "a": "no date given", "b": "2022-12-05", "name": "Terms last updated" }, { "a": "no date given", "b": "no date given", "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": "14 stars, 50 npm/wk", "name": "Popularity" }, { "a": "none", "b": "2.5/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Yapily scores 57.6 (C) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth.", "question": "Which is better for AI agents, Powens or Yapily?" }, { "answer": "Powens takes an API key or an OAuth sign-in. Yapily needs an API key.", "question": "Do Powens and Yapily need an API key?" }, { "answer": "Yes. Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0 and Yapily at https://api.yapily.com.", "question": "Can an agent call Powens and Yapily without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Security \u0026 auth, 60 against 37" ], "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, 55 against 27", "Schema \u0026 documentation, 88 against 48", "Agent ergonomics, 77 against 57", "Maintenance \u0026 community, 67 against 33", "Transparency \u0026 trust, 71 against 63" ], "also": null, "goodFor": "UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.", "slug": "yapily", "watchFor": "No public pricing; live access starts with a sales form" } ], "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-yapily.json", "title": "Akoya vs Yapily", "url": "https://www.anchorterminal.com/compare/akoya-vs-yapily" }, { "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-yapily.json", "title": "Basiq vs Yapily", "url": "https://www.anchorterminal.com/compare/basiq-vs-yapily" }, { "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-yapily.json", "title": "Belvo vs Yapily", "url": "https://www.anchorterminal.com/compare/belvo-vs-yapily" }, { "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-yapily.json", "title": "Enable Banking vs Yapily", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yapily" }, { "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-yapily.json", "title": "Flinks vs Yapily", "url": "https://www.anchorterminal.com/compare/flinks-vs-yapily" }, { "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-yapily.json", "title": "GoCardless Bank Account Data vs Yapily", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily" }, { "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-yapily.json", "title": "MX Platform API vs Yapily", "url": "https://www.anchorterminal.com/compare/mx-vs-yapily" }, { "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-yapily.json", "title": "Plaid vs Yapily", "url": "https://www.anchorterminal.com/compare/plaid-vs-yapily" }, { "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-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-yapily.json", "title": "Salt Edge Account Information vs Yapily", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/teller-vs-yapily.json", "title": "Teller vs Yapily", "url": "https://www.anchorterminal.com/compare/teller-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/tink-vs-yapily.json", "title": "Tink vs Yapily", "url": "https://www.anchorterminal.com/compare/tink-vs-yapily" }, { "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/yapily-vs-yodlee-financial-data.json", "title": "Yapily vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data" } ], "scores": [ { "by": 28, "edge": "yapily", "key": "reliability", "name": "Reliability", "powens": 27, "weight": 16, "yapily": 55 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 40, "edge": "yapily", "key": "schema", "name": "Schema \u0026 documentation", "powens": 48, "weight": 13, "yapily": 88 }, { "by": 20, "edge": "yapily", "key": "ergonomics", "name": "Agent ergonomics", "powens": 57, "weight": 13, "yapily": 77 }, { "by": 23, "edge": "powens", "key": "security", "name": "Security \u0026 auth", "powens": 60, "weight": 14, "yapily": 37 }, { "by": 0, "edge": "", "key": "payments", "name": "Payments \u0026 pricing", "powens": 10, "weight": 10, "yapily": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 34, "edge": "yapily", "key": "maintenance", "name": "Maintenance \u0026 community", "powens": 33, "weight": 7, "yapily": 67 }, { "by": 8, "edge": "yapily", "key": "transparency", "name": "Transparency \u0026 trust", "powens": 63, "weight": 7, "yapily": 71 } ], "summary": "Yapily scores 57.6 (C) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth. 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.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/powens-vs-yapily", "json": "https://www.anchorterminal.com/compare/powens-vs-yapily.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/powens-vs-yapily.md", "slim": "https://www.anchorterminal.com/compare/powens-vs-yapily.min.md" }, "markdown": "Yapily scores 57.6 (C) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth. 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- Yapily: grade C, 57.6/100, rank #603 of 950. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.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\nAhead on:\n- Security \u0026 auth, 60 against 37\n\nWatch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables\n\n### Yapily (C)\n\nGood for: UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.\n\nAhead on:\n- Reliability, 55 against 27\n- Schema \u0026 documentation, 88 against 48\n- Agent ergonomics, 77 against 57\n- Maintenance \u0026 community, 67 against 33\n- Transparency \u0026 trust, 71 against 63\n\nWatch for: No public pricing; live access starts with a sales form\n\n\n## Score by category\n\n| Category | Weight | Powens | Yapily | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 27 | 55 | Yapily +28 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 48 | 88 | Yapily +40 |\n| Agent ergonomics | 13% (16.2 this run) | 57 | 77 | Yapily +20 |\n| Security \u0026 auth | 14% (17.5 this run) | 60 | 37 | Powens +23 |\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 | 67 | Yapily +34 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 63 | 71 | Yapily +8 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **42.6 · E** | **57.6 · C** | |\n\n## Facts side by side\n\n| Fact | Powens | Yapily |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Powens SAS | Yapily |\n| Hosted endpoint | `https://{domain}.biapi.pro/2.0` | `https://api.yapily.com` |\n| Transports | HTTP | HTTP, Streamable HTTP |\n| Auth | OAuth or key | API key |\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 | MIT (SDKs) |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| Last release | none | 2025-06-30 |\n| Terms last updated | no date given | 2022-12-05 |\n| Privacy policy last updated | no date given | no date given |\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 | 14 stars, 50 npm/wk |\n| Agent reviews | none | 2.5/5 (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**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.\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### Yapily\n\n1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch\n2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty\n3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation\n4. Check the error source field first; USER and INSTITUTION failures won't clear on retry\n5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days\n\n## Questions\n\n### Which is better for AI agents, Powens or Yapily?\n\nYapily scores 57.6 (C) on agent readiness against Powens's 42.6 (E), and leads in 5 of 7 scored categories. Powens leads on security \u0026 auth.\n\n### Do Powens and Yapily need an API key?\n\nPowens takes an API key or an OAuth sign-in. Yapily needs an API key.\n\n### Can an agent call Powens and Yapily without installing anything?\n\nYes. Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0 and Yapily at https://api.yapily.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/powens-vs-yapily.json, and with the fewest tokens: https://www.anchorterminal.com/compare/powens-vs-yapily.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"powens\", \"b\": \"yapily\"}`. From a terminal: `anchor compare powens yapily`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/powens.json and https://www.anchorterminal.com/api/v1/tools/yapily.json\n\n## Other comparisons with Powens or Yapily\n\n- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)\n- [Akoya vs Yapily](https://www.anchorterminal.com/compare/akoya-vs-yapily.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Basiq vs Yapily](https://www.anchorterminal.com/compare/basiq-vs-yapily.md)\n- [Belvo vs Powens](https://www.anchorterminal.com/compare/belvo-vs-powens.md)\n- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)\n- [Enable Banking vs Powens](https://www.anchorterminal.com/compare/enable-banking-vs-powens.md)\n- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)\n- [Flinks vs Powens](https://www.anchorterminal.com/compare/flinks-vs-powens.md)\n- [Flinks vs Yapily](https://www.anchorterminal.com/compare/flinks-vs-yapily.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 Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)\n- [MX Platform API vs Powens](https://www.anchorterminal.com/compare/mx-vs-powens.md)\n- [MX Platform API vs Yapily](https://www.anchorterminal.com/compare/mx-vs-yapily.md)\n- [Plaid vs Powens](https://www.anchorterminal.com/compare/plaid-vs-powens.md)\n- [Plaid vs Yapily](https://www.anchorterminal.com/compare/plaid-vs-yapily.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 Yodlee Core API](https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.md)\n- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)\n- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)\n- [Tink vs Yapily](https://www.anchorterminal.com/compare/tink-vs-yapily.md)\n- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)\n- [Yapily vs Yodlee Core API](https://www.anchorterminal.com/compare/yapily-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 Yapily", "url": "" } ], "description": "Yapily scores 57.6 (C) 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", "Yapily C 57.6", "scores" ], "h1": "Powens vs Yapily", "image": "https://www.anchorterminal.com/assets/og/compare-powens-vs-yapily.png", "path": "/compare/powens-vs-yapily", "published": "2026-10-01", "section": "tools", "title": "Powens vs Yapily for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/powens-vs-yapily" }, "tokens": { "markdown": 2300, "slim": 580 }, "version": 1 }