{
  "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": "2026-10-10T03:53:38.755342095Z",
          "lastOk": false,
          "lastStatus": 0,
          "lastMs": 0,
          "lastNote": "invalid character \"{\" in host name",
          "authRequired": false,
          "uptime24h": 0,
          "uptime30d": 0,
          "p50ms24h": 0,
          "p95ms24h": 0,
          "samples24h": 125,
          "samples30d": 125,
          "days": [
            {
              "date": "2026-10-09",
              "probes": 85,
              "ok": 0
            },
            {
              "date": "2026-10-10",
              "probes": 40,
              "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": "2026-10-10T03:53:38.755342095Z"
      }
    },
    "answer": "Powens and Yodlee Core API score within a point of each other on agent readiness, 42.6 (E) and 41.9 (E). Yodlee Core API leads on schema \u0026 documentation and payments \u0026 pricing.",
    "b": {
      "slug": "yodlee-financial-data",
      "name": "Yodlee Core API",
      "vendor": "Yodlee, Inc.",
      "vendorUrl": "https://www.yodlee.com",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "Yodlee's Core API (v1.1) aggregates a consumer's bank, card, investment, loan and insurance accounts for balances, categorised transactions, holdings, statements and account-owner details. Consumers link accounts through the embedded FastLink 4 widget.",
      "url": "https://www.anchorterminal.com/tools/yodlee-financial-data",
      "markdownUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json",
      "repo": "https://github.com/Yodlee/OpenAPI",
      "license": "Proprietary service. The Swagger file on GitHub is MIT",
      "transports": [
        "http"
      ],
      "packages": [],
      "auth": "oauth",
      "authNotes": "Self-serve for the sandbox. Registering on the developer portal gives a `clientId`, a `secret` and an admin `loginName` on the API dashboard. `POST /auth/token` takes the id and secret in a form body and a `loginName` header, and returns a bearer token that lasts 30 minutes and acts for that user, or for the admin on administrative calls. Every call also sends `Api-Version: 1.1`. Each environment (sandbox, development, production) has its own credentials. How production access is granted is not stated in the public docs. Full account numbers and holder details need Yodlee Security Office approval.",
      "pricing": "paid",
      "pricingNotes": "No public price. `/pricing` returns 404 on yodlee.com and on the developer portal, and product pages ask for a demo. The sandbox is free on registration, with five preconfigured users and sample data only, so an agent's owner can test without a contract (checked 2026-10-08).",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the developer docs, the Swagger file or yodlee.com (checked 2026-10-08).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 17,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-08"
      },
      "docsUrl": "https://developer.yodlee.com/resources/yodlee/yodlee-api-overview/docs",
      "openapi": "https://raw.githubusercontent.com/Yodlee/OpenAPI/main/swagger.yaml",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.identity",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "oauth",
        "openapi",
        "sandbox",
        "webhooks",
        "sales-led",
        "closed-source",
        "enterprise",
        "soc2"
      ],
      "lastRelease": "2026-07-31",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 41.9,
        "grade": "E",
        "agentReady": false,
        "rank": 900,
        "ranked": true,
        "rankOf": 950,
        "categoryRank": 14,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 58,
          "maintenance": 33,
          "payments": 15,
          "reliability": 15,
          "schema": 71,
          "security": 49,
          "transparency": 53
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-08"
        },
        "negative": 0,
        "verdict": "A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.",
        "bestFor": "A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.",
        "strengths": [
          "Public Swagger 2.0 file on GitHub (MIT) with 98 operations, 267 definitions and `Y`-prefixed error codes listed per operation",
          "Access tokens expire after 30 minutes, are bound to one end user's `loginName`, and can be revoked with `DELETE /auth/token`",
          "Free sandbox on registration with five preconfigured test users, per the docs",
          "Consent endpoints list, renew and record open banking consents, and `DELETE /user/unregister` removes a user and their data",
          "The Security FAQ states an annual SOC 2 Type 2 assessment, PCI DSS 4.0.1 Level One certification and yearly third-party penetration tests"
        ],
        "weaknesses": [
          "No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404",
          "No status page, rate limit, 429 guidance, idempotency key or SLA was found in the pages read",
          "No official server SDK. Yodlee's docs tell developers to generate a client from the Swagger file",
          "The Swagger file was last updated on 22 April 2026 to the November 2025 release and lacks fields added in June and July 2026, such as `isCrypto`",
          "The sandbox cannot register new users, and full account numbers and holder details need Yodlee Security Office approval",
          "The privacy notice covers only Yodlee's own consumer services and websites, and no DPA or sub-processor list is public"
        ],
        "agentNotes": [
          "Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes",
          "Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data",
          "In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there",
          "Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`",
          "A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`",
          "Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop"
        ],
        "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": 41.9
          }
        ],
        "editorialScores": {
          "ergonomics": 58,
          "maintenance": 33,
          "payments": 15,
          "reliability": 15,
          "schema": 71,
          "security": 49,
          "transparency": 32
        },
        "provenanceScore": 73
      },
      "connect": {
        "http": "POST /auth/token\nApi-Version: 1.1\nloginName: \u003cloginName\u003e\nContent-Type: application/x-www-form-urlencoded\n\nclientId=\u003cclientId\u003e\u0026secret=\u003csecret\u003e"
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/yodlee-financial-data"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Yodlee, Inc.",
        "domain": "yodlee.com",
        "domainRegistered": "1999-02-09",
        "endpointOnVendorDomain": null,
        "terms": "",
        "privacy": "",
        "statusPage": "",
        "changelog": "https://developer.yodlee.com/resources/yodlee",
        "securityTxt": "none",
        "checked": "2026-10-08",
        "notes": [
          "The privacy notice names Yodlee, Inc. and its subsidiaries Yodlee Credit, LLC, Yodlee Data Services, LLC and Yodlee Infotech Private Limited. The company page says Yodlee was acquired by Envestnet in 2015 and joined the STG portfolio in 2025.",
          "`terms` is left out. No service agreement or developer terms are published. The Swagger file gives https://developer.yodlee.com/terms/condition as its terms of service, and that address returns 404.",
          "`privacy` is left out. The privacy notice at https://www.yodlee.com/legal/privacy-notice says it applies to Yodlee's direct-to-consumer services and websites, and that a client's own privacy practices apply to services delivered through a Yodlee client, which is how API data is handled.",
          "`endpointOnVendorDomain` is null. The public docs print API paths without a host, and the host is given with the credentials on a dashboard we did not read.",
          "No status page is linked from yodlee.com or the developer portal, and status.yodlee.com did not answer.",
          "https://www.yodlee.com/.well-known/security.txt returns the home page, and the same path on developer.yodlee.com returns 404.",
          "Verisign's RDAP server gives a registration date of 1999-02-09 and CSC Corporate Domains, Inc. as registrar."
        ],
        "score": 73
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/yodlee-financial-data.json",
      "live": {
        "slug": "yodlee-financial-data",
        "versions": [
          {
            "registry": "github",
            "name": "Yodlee/OpenAPI",
            "version": "sep2025",
            "released": "2025-10-22",
            "seenAt": "2026-10-09T17:29:18.232477111Z"
          }
        ],
        "githubStars": 17,
        "securityTxt": {
          "url": "https://yodlee.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-09T15:40:20.54741355Z"
        },
        "pages": [
          {
            "url": "https://developer.yodlee.com/resources/yodlee",
            "kind": "changelog",
            "status": 200,
            "checkedAt": "2026-10-09T18:35:28.970241298Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "a4a82bc1e084"
          }
        ],
        "updatedAt": "2026-10-09T18:35:28.970241298Z"
      }
    },
    "facts": [
      {
        "a": "HTTP API",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Powens SAS",
        "b": "Yodlee, Inc.",
        "name": "Vendor"
      },
      {
        "a": "https://{domain}.biapi.pro/2.0",
        "b": "no (local only)",
        "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": "Proprietary service. The Swagger file on GitHub is MIT",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "none",
        "b": "2026-07-31",
        "name": "Last release"
      },
      {
        "a": "no date given",
        "b": "no document linked",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "no document linked",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Customer content may train models"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Terms restrict automated access"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "",
        "name": "Arbitration or class-action waiver"
      },
      {
        "a": "none",
        "b": "17 stars",
        "name": "Popularity"
      }
    ],
    "faq": [
      {
        "answer": "Powens and Yodlee Core API score within a point of each other on agent readiness, 42.6 (E) and 41.9 (E). Yodlee Core API leads on schema \u0026 documentation and payments \u0026 pricing.",
        "question": "Which is better for AI agents, Powens or Yodlee Core API?"
      },
      {
        "answer": "Powens takes an API key or an OAuth sign-in. Yodlee Core API uses an OAuth sign-in.",
        "question": "Do Powens and Yodlee Core API need an API key?"
      },
      {
        "answer": "Powens has a hosted endpoint at https://{domain}.biapi.pro/2.0. No hosted endpoint is listed for Yodlee Core API.",
        "question": "Can an agent call Powens and Yodlee Core API without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 27 against 15",
          "Security \u0026 auth, 60 against 49",
          "Transparency \u0026 trust, 63 against 53"
        ],
        "also": [
          "A hosted endpoint, with nothing to install"
        ],
        "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": [
          "Schema \u0026 documentation, 71 against 48",
          "Payments \u0026 pricing, 15 against 10"
        ],
        "also": null,
        "goodFor": "A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.",
        "slug": "yodlee-financial-data",
        "watchFor": "No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404"
      }
    ],
    "job": {
      "capability": "bank.accounts",
      "name": "Bank account data"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/akoya-vs-powens.json",
        "title": "Akoya vs Powens",
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      },
      {
        "json": "https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.json",
        "title": "Akoya vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-powens.json",
        "title": "Basiq vs Powens",
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      {
        "json": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.json",
        "title": "Basiq vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data"
      },
      {
        "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-yodlee-financial-data.json",
        "title": "Belvo vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data"
      },
      {
        "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"
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      {
        "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.json",
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      {
        "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-yodlee-financial-data.json",
        "title": "Flinks vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data"
      },
      {
        "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"
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      {
        "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.json",
        "title": "GoCardless Bank Account Data vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data"
      },
      {
        "json": "https://www.anchorterminal.com/compare/mx-vs-powens.json",
        "title": "MX Platform API vs Powens",
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      },
      {
        "json": "https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.json",
        "title": "MX Platform API vs Yodlee Core API",
        "url": "https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data"
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      {
        "json": "https://www.anchorterminal.com/compare/plaid-vs-powens.json",
        "title": "Plaid vs Powens",
        "url": "https://www.anchorterminal.com/compare/plaid-vs-powens"
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      {
        "json": "https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.json",
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        "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"
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      {
        "json": "https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.json",
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        "title": "Teller vs Yodlee Core API",
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        "json": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.json",
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    "scores": [
      {
        "by": 12,
        "edge": "powens",
        "key": "reliability",
        "name": "Reliability",
        "powens": 27,
        "weight": 16,
        "yodlee-financial-data": 15
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 23,
        "edge": "yodlee-financial-data",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "powens": 48,
        "weight": 13,
        "yodlee-financial-data": 71
      },
      {
        "by": 1,
        "edge": "yodlee-financial-data",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "powens": 57,
        "weight": 13,
        "yodlee-financial-data": 58
      },
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        "by": 11,
        "edge": "powens",
        "key": "security",
        "name": "Security \u0026 auth",
        "powens": 60,
        "weight": 14,
        "yodlee-financial-data": 49
      },
      {
        "by": 5,
        "edge": "yodlee-financial-data",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "powens": 10,
        "weight": 10,
        "yodlee-financial-data": 15
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "powens": 33,
        "weight": 7,
        "yodlee-financial-data": 33
      },
      {
        "by": 10,
        "edge": "powens",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "powens": 63,
        "weight": 7,
        "yodlee-financial-data": 53
      }
    ],
    "summary": "Powens and Yodlee Core API score within a point of each other on agent readiness, 42.6 (E) and 41.9 (E). Yodlee Core API leads on schema \u0026 documentation and payments \u0026 pricing. 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.",
      "yodlee-financial-data": "A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data."
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  "markdown": "Powens and Yodlee Core API score within a point of each other on agent readiness, 42.6 (E) and 41.9 (E). Yodlee Core API leads on schema \u0026 documentation and payments \u0026 pricing. 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- Yodlee Core API: grade E, 41.9/100, rank #900 of 950. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.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- Reliability, 27 against 15\n- Security \u0026 auth, 60 against 49\n- Transparency \u0026 trust, 63 against 53\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No OpenAPI or other machine-readable contract was found. The reference is hand-written tables\n\n### Yodlee Core API (E)\n\nGood for: A bank, wealth firm or fintech with a Yodlee contract that needs wide account coverage, including investment holdings, loans and insurance, in the US, UK, Australia and India.\n\nAhead on:\n- Schema \u0026 documentation, 71 against 48\n- Payments \u0026 pricing, 15 against 10\n\nWatch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404\n\n\n## Score by category\n\n| Category | Weight | Powens | Yodlee Core API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 27 | 15 | Powens +12 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 48 | 71 | Yodlee Core API +23 |\n| Agent ergonomics | 13% (16.2 this run) | 57 | 58 | Yodlee Core API +1 |\n| Security \u0026 auth | 14% (17.5 this run) | 60 | 49 | Powens +11 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 15 | Yodlee Core API +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 33 | 33 | even |\n| Transparency \u0026 trust | 7% (8.8 this run) | 63 | 53 | Powens +10 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **42.6 · E** | **41.9 · E** | |\n\n## Facts side by side\n\n| Fact | Powens | Yodlee Core API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Powens SAS | Yodlee, Inc. |\n| Hosted endpoint | `https://{domain}.biapi.pro/2.0` | no (local only) |\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 | Proprietary service. The Swagger file on GitHub is MIT |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | no |\n| Last release | none | 2026-07-31 |\n| Terms last updated | no date given | no document linked |\n| Privacy policy last updated | no date given | no document linked |\n| Customer content may train models | not found in the text |  |\n| Terms restrict automated access | not found in the text |  |\n| Terms restrict benchmarking | not found in the text |  |\n| Terms or service can change without notice | not found in the text |  |\n| Arbitration or class-action waiver | not found in the text |  |\n| Popularity | none | 17 stars |\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**Yodlee Core API.** A public Swagger 2.0 file covers 98 operations with per-operation error codes, and tokens last 30 minutes and are bound to one end user. No price, service terms, status page, rate limit or SLA is published, there is no official server SDK, and the sandbox is limited to five preconfigured users with sample data.\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### Yodlee Core API\n\n1. Get a token with `POST /auth/token`, sending `Api-Version: 1.1` and the end user's `loginName` as headers and `clientId` and `secret` in a form body. Reuse it for up to 30 minutes\n2. Use the admin `loginName` only for administrative calls such as webhook subscriptions. A token made with a user's `loginName` reads only that user's data\n3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there\n4. Page `GET /transactions` with `skip` and `top` (1 to 500). Without dates it returns the last 30 days, and at most two years with `fromDate` and `toDate`\n5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`\n6. Subscribe to `DATA_UPDATES` or `REFRESH` webhooks, or poll `GET /dataExtracts/events` in windows of at most 60 minutes, and do not poll accounts in a loop\n\n## Questions\n\n### Which is better for AI agents, Powens or Yodlee Core API?\n\nPowens and Yodlee Core API score within a point of each other on agent readiness, 42.6 (E) and 41.9 (E). Yodlee Core API leads on schema \u0026 documentation and payments \u0026 pricing.\n\n### Do Powens and Yodlee Core API need an API key?\n\nPowens takes an API key or an OAuth sign-in. Yodlee Core API uses an OAuth sign-in.\n\n### Can an agent call Powens and Yodlee Core API without installing anything?\n\nPowens has a hosted endpoint at https://{domain}.biapi.pro/2.0. No hosted endpoint is listed for Yodlee Core API.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/powens-vs-yodlee-financial-data.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"powens\", \"b\": \"yodlee-financial-data\"}`. From a terminal: `anchor compare powens yodlee-financial-data`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/powens.json and https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json\n\n## Other comparisons with Powens or Yodlee Core API\n\n- [Akoya vs Powens](https://www.anchorterminal.com/compare/akoya-vs-powens.md)\n- [Akoya vs Yodlee Core API](https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.md)\n- [Basiq vs Powens](https://www.anchorterminal.com/compare/basiq-vs-powens.md)\n- [Basiq vs Yodlee Core API](https://www.anchorterminal.com/compare/basiq-vs-yodlee-financial-data.md)\n- [Belvo vs Powens](https://www.anchorterminal.com/compare/belvo-vs-powens.md)\n- [Belvo vs Yodlee Core API](https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.md)\n- [Enable Banking vs Powens](https://www.anchorterminal.com/compare/enable-banking-vs-powens.md)\n- [Enable Banking vs Yodlee Core API](https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.md)\n- [Flinks vs Powens](https://www.anchorterminal.com/compare/flinks-vs-powens.md)\n- [Flinks vs Yodlee Core API](https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.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 Yodlee Core API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yodlee-financial-data.md)\n- [MX Platform API vs Powens](https://www.anchorterminal.com/compare/mx-vs-powens.md)\n- [MX Platform API vs Yodlee Core API](https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md)\n- [Plaid vs Powens](https://www.anchorterminal.com/compare/plaid-vs-powens.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- [Salt Edge Account Information vs Yodlee Core API](https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data.md)\n- [Teller vs Yodlee Core API](https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.md)\n- [Tink vs Yodlee Core API](https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.md)\n- [TrueLayer vs Yodlee Core API](https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.md)\n- [Yapily vs Yodlee Core API](https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.md)\n",
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    "title": "Powens vs Yodlee Core for AI agents in 2026: scores and prices",
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