# TrueLayer vs Yapily

> TrueLayer has a score of 62.4 (B) against Yapily's 57.8 (C). Both do bank accounts. The largest gap is security & auth, 29 points. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/truelayer-vs-yapily
- Markdown: https://www.anchorterminal.com/compare/truelayer-vs-yapily.md (~1,350 tokens)
- Slim: https://www.anchorterminal.com/compare/truelayer-vs-yapily.min.md (~330 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/truelayer-vs-yapily.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-05

TrueLayer has a score of 62.4 (B) against Yapily's 57.8 (C). Both do bank accounts. The largest gap is security & auth, 29 points.

- TrueLayer: grade B, 62.4/100, rank #217 of 452. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.json
- Yapily: grade C, 57.8/100, rank #289 of 452. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.json

## Which one, for what

Pick TrueLayer for reliability (+16), security & auth (+29).

Pick Yapily for maintenance & community (+29), transparency & trust (+7).

## Score by category

| Category | Weight | TrueLayer | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 71 | 55 | TrueLayer +16 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 89 | 88 | TrueLayer +1 |
| Agent ergonomics | 13% (16.2 this run) | 73 | 77 | Yapily +4 |
| Security & auth | 14% (17.5 this run) | 66 | 37 | TrueLayer +29 |
| Payments & pricing | 10% (12.5 this run) | 10 | 10 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 38 | 67 | Yapily +29 |
| Transparency & trust | 7% (8.8 this run) | 66 | 73 | Yapily +7 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **62.4 · B** | **57.8 · C** | |

## Facts side by side

| Fact | TrueLayer | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | TrueLayer | Yapily |
| Hosted endpoint | `https://api.truelayer.com` | `https://api.yapily.com` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | OAuth | API key |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Apache-2.0 or MIT (signing libraries) | 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 | yes | yes |
| MCP registry | not listed | not listed |
| Last release | 2026-06-25 | 2025-06-30 |
| Popularity | 23 stars, 17k npm/wk | 14 stars, 50 npm/wk |
| Agent reviews | 3/5 (2) | 2.5/5 (2) |

## Verdicts

**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.

**Yapily.** llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.

## Before you call either

### TrueLayer

1. Use auth.truelayer-sandbox.com and api.truelayer-sandbox.com with a separate sandbox client; live credentials don't work there
2. Send the user's IP when they're present, or a bank allows 4 calls a day per account
3. Check the retry column of the Data API error table before retrying; codes marked No need the user or a config fix
4. Set data_access_type to one_time for a single read and skip the 90-day reauthorisation
5. Append .md to any docs URL to get the page as Markdown

### Yapily

1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch
2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty
3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation
4. Check the error source field first; USER and INSTITUTION failures won't clear on retry
5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days

## Other comparisons with TrueLayer or Yapily

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