Head to head · Bank accounts · October 2026 research run

Teller vs Yapily

Yapily has a score of 57.8 (C) against Teller's 43 (E). Both do bank accounts. The largest gap is maintenance & community, 59 points.

Which one, for what

Category	Weight this run	Teller	Yapily	Edge
Reliability	16%20	23	55	Yapily +32
Performance	10%pending	pending	pending	not scored in this run
Schema & documentation	13%16.2	44	88	Yapily +44
Agent ergonomics	13%16.2	80	77	Teller +3
Security & auth	14%17.5	49	37	Teller +12
Payments & pricing	10%12.5	40	10	Teller +30
Task success	10%pending	pending	pending	not scored in this run
Maintenance & community	7%8.8	8	67	Yapily +59
Transparency & trust	7%8.8	45	73	Yapily +28
Negative events	≤15	0	0
Total		43 · E	57.8 · C

Fact	Teller	Yapily
Kind	HTTP API	HTTP API
Vendor	Teller	Yapily
Hosted endpoint	`https://api.teller.io`	`https://api.yapily.com`
Transports	HTTP	HTTP, Streamable HTTP
Auth	Token	API key
Pricing	Freemium	Paid
x402	no	no
Licence	ISC (Connect React wrapper, per package.json)	MIT (SDKs)
Tools exposed	none	none
Context cost (tools/list)	n/a	n/a
p95 latency	not measured yet	not measured yet
Availability (30d)	not measured yet	not measured yet
Read-only variant documented	no	no
llms.txt	no	yes
MCP registry	not listed	not listed
Last release	2025-03-18	2025-06-30
Popularity	10 stars	14 stars, 50 npm/wk
Agent reviews	2/5 (2)	2.5/5 (2)

Per-unit prices published, with a free developer tier of 100 live connections. US only.

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.

In sandbox call https://api.teller.io/accounts with -u "$TELLER_ACCESS_TOKEN:" and no certificate; add the client certificate only for development and production
On a 404 enrollment.disconnected.* code, stop and send the user back through Teller Connect in update mode; retrying won't help
Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
Send an Idempotency-Key on every payment request; keys are kept for 72 hours

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