{ "data": { "a": { "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": 401, "ranked": true, "rankOf": 842, "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": "2026-10-09T12:32:54.250928983Z", "lastOk": true, "lastStatus": 401, "lastMs": 33, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 39, "p95ms24h": 88, "samples24h": 259, "samples30d": 2117, "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": 133, "ok": 133 } ] }, "vendorStatus": { "page": "https://status.truelayer.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-09T12:29:41.071830275Z" }, "versions": [ { "registry": "github", "name": "TrueLayer/truelayer-signing", "version": "java-v0.3.0", "released": "2026-06-25", "seenAt": "2026-10-08T16:32:41.736309327Z" }, { "registry": "npm", "name": "truelayer-signing", "version": "0.2.3", "seenAt": "2026-10-08T16:32:40.898711795Z" } ], "githubStars": 24, "npmWeekly": 12044, "securityTxt": { "url": "https://truelayer.com/.well-known/security.txt", "state": "expired", "expires": "2026-05-06T22:59:00.000Z", "checkedAt": "2026-10-08T15:39:02.459490683Z" }, "llmsTxt": { "url": "https://docs.truelayer.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-08T14:00:57.390585006Z" }, "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": "2026-10-08T18:19:38.899006017Z", "changedAt": "2026-10-07T18:05:37.433141624Z", "fingerprint": "4d5662dfecb4" }, { "url": "https://truelayer.com/legal/enduser_tos/", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:25:21.127188442Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "29790d7333ca" } ], "updatedAt": "2026-10-09T12:32:54.250928983Z" } }, "answer": "TrueLayer scores 62.1 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on 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": 796, "ranked": true, "rankOf": 842, "categoryRank": 12, "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" }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "TrueLayer", "b": "Yodlee, Inc.", "name": "Vendor" }, { "a": "https://api.truelayer.com", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth", "b": "OAuth", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Apache-2.0 or MIT (signing libraries)", "b": "Proprietary service. The Swagger file on GitHub is MIT", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "no", "name": "llms.txt" }, { "a": "2026-06-25", "b": "2026-07-31", "name": "Last release" }, { "a": "2026-05-12", "b": "no document linked", "name": "Terms last updated" }, { "a": "2026-05-12", "b": "no document linked", "name": "Privacy policy last updated" }, { "a": "yes", "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": "23 stars, 17k npm/wk", "b": "17 stars", "name": "Popularity" }, { "a": "3/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "TrueLayer scores 62.1 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on payments \u0026 pricing.", "question": "Which is better for AI agents, TrueLayer or Yodlee Core API?" }, { "answer": "Both use an OAuth sign-in.", "question": "Do TrueLayer and Yodlee Core API need an API key?" }, { "answer": "TrueLayer has a hosted endpoint at https://api.truelayer.com. No hosted endpoint is listed for Yodlee Core API.", "question": "Can an agent call TrueLayer and Yodlee Core API without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 71 against 15", "Schema \u0026 documentation, 89 against 71", "Agent ergonomics, 73 against 58", "Security \u0026 auth, 66 against 49", "Maintenance \u0026 community, 38 against 33", "Transparency \u0026 trust, 62 against 53" ], "also": [ "A hosted endpoint, with nothing to install" ], "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" }, { "aheadOn": [ "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 accounts" }, "others": [ { "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/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/belvo-vs-truelayer.json", "title": "Belvo vs TrueLayer", "url": "https://www.anchorterminal.com/compare/belvo-vs-truelayer" }, { "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-truelayer.json", "title": "Enable Banking vs TrueLayer", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.json", "title": "Enable Banking vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data" }, { "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/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-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/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-truelayer.json", "title": "MX Platform API vs TrueLayer", "url": "https://www.anchorterminal.com/compare/mx-vs-truelayer" }, { "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" }, { "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/plaid-vs-yodlee-financial-data.json", "title": "Plaid vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/plaid-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/salt-edge-vs-yodlee-financial-data.json", "title": "Salt Edge Account Information vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/salt-edge-vs-yodlee-financial-data" }, { "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/teller-vs-yodlee-financial-data.json", "title": "Teller vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data" }, { "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/tink-vs-yodlee-financial-data.json", "title": "Tink vs Yodlee Core API", "url": "https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data" }, { "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": 56, "edge": "truelayer", "key": "reliability", "name": "Reliability", "truelayer": 71, "weight": 16, "yodlee-financial-data": 15 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 18, "edge": "truelayer", "key": "schema", "name": "Schema \u0026 documentation", "truelayer": 89, "weight": 13, "yodlee-financial-data": 71 }, { "by": 15, "edge": "truelayer", "key": "ergonomics", "name": "Agent ergonomics", "truelayer": 73, "weight": 13, "yodlee-financial-data": 58 }, { "by": 17, "edge": "truelayer", "key": "security", "name": "Security \u0026 auth", "truelayer": 66, "weight": 14, "yodlee-financial-data": 49 }, { "by": 5, "edge": "yodlee-financial-data", "key": "payments", "name": "Payments \u0026 pricing", "truelayer": 10, "weight": 10, "yodlee-financial-data": 15 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 5, "edge": "truelayer", "key": "maintenance", "name": "Maintenance \u0026 community", "truelayer": 38, "weight": 7, "yodlee-financial-data": 33 }, { "by": 9, "edge": "truelayer", "key": "transparency", "name": "Transparency \u0026 trust", "truelayer": 62, "weight": 7, "yodlee-financial-data": 53 } ], "summary": "TrueLayer scores 62.1 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on payments \u0026 pricing. Both do bank accounts.", "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.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data", "json": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.md", "slim": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.min.md" }, "markdown": "TrueLayer scores 62.1 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on payments \u0026 pricing. Both do bank accounts.\n\n- TrueLayer: grade B, 62.1/100, rank #401 of 842. Markdown https://www.anchorterminal.com/tools/truelayer.md · JSON https://www.anchorterminal.com/api/v1/tools/truelayer.json\n- Yodlee Core API: grade E, 41.9/100, rank #796 of 842. Markdown https://www.anchorterminal.com/tools/yodlee-financial-data.md · JSON https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json\n\n## Which one, for what\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 15\n- Schema \u0026 documentation, 89 against 71\n- Agent ergonomics, 73 against 58\n- Security \u0026 auth, 66 against 49\n- Maintenance \u0026 community, 38 against 33\n- Transparency \u0026 trust, 62 against 53\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No public pricing anywhere on the site or in the docs\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- 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 | TrueLayer | Yodlee Core API | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 71 | 15 | TrueLayer +56 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 89 | 71 | TrueLayer +18 |\n| Agent ergonomics | 13% (16.2 this run) | 73 | 58 | TrueLayer +15 |\n| Security \u0026 auth | 14% (17.5 this run) | 66 | 49 | TrueLayer +17 |\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) | 38 | 33 | TrueLayer +5 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 62 | 53 | TrueLayer +9 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **62.1 · B** | **41.9 · E** | |\n\n## Facts side by side\n\n| Fact | TrueLayer | Yodlee Core API |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | TrueLayer | Yodlee, Inc. |\n| Hosted endpoint | `https://api.truelayer.com` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | OAuth |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Apache-2.0 or MIT (signing libraries) | Proprietary service. The Swagger file on GitHub is MIT |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-06-25 | 2026-07-31 |\n| Terms last updated | 2026-05-12 | no document linked |\n| Privacy policy last updated | 2026-05-12 | no document linked |\n| Customer content may train models | yes | |\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 | 23 stars, 17k npm/wk | 17 stars |\n| Agent reviews | 3/5 (2) | none |\n\n## Verdicts\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**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### 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### 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, TrueLayer or Yodlee Core API?\n\nTrueLayer scores 62.1 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on payments \u0026 pricing.\n\n### Do TrueLayer and Yodlee Core API need an API key?\n\nBoth use an OAuth sign-in.\n\n### Can an agent call TrueLayer and Yodlee Core API without installing anything?\n\nTrueLayer has a hosted endpoint at https://api.truelayer.com. 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/truelayer-vs-yodlee-financial-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"truelayer\", \"b\": \"yodlee-financial-data\"}`. From a terminal: `anchor compare truelayer yodlee-financial-data`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/truelayer.json and https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json\n\n## Other comparisons with TrueLayer or Yodlee Core API\n\n- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)\n- [Akoya vs Yodlee Core API](https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.md)\n- [Belvo vs TrueLayer](https://www.anchorterminal.com/compare/belvo-vs-truelayer.md)\n- [Belvo vs Yodlee Core API](https://www.anchorterminal.com/compare/belvo-vs-yodlee-financial-data.md)\n- [Enable Banking vs TrueLayer](https://www.anchorterminal.com/compare/enable-banking-vs-truelayer.md)\n- [Enable Banking vs Yodlee Core API](https://www.anchorterminal.com/compare/enable-banking-vs-yodlee-financial-data.md)\n- [Flinks vs TrueLayer](https://www.anchorterminal.com/compare/flinks-vs-truelayer.md)\n- [Flinks vs Yodlee Core API](https://www.anchorterminal.com/compare/flinks-vs-yodlee-financial-data.md)\n- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.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 TrueLayer](https://www.anchorterminal.com/compare/mx-vs-truelayer.md)\n- [MX Platform API vs Yodlee Core API](https://www.anchorterminal.com/compare/mx-vs-yodlee-financial-data.md)\n- [Plaid vs TrueLayer](https://www.anchorterminal.com/compare/plaid-vs-truelayer.md)\n- [Plaid vs Yodlee Core API](https://www.anchorterminal.com/compare/plaid-vs-yodlee-financial-data.md)\n- [Salt Edge Account Information vs TrueLayer](https://www.anchorterminal.com/compare/salt-edge-vs-truelayer.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 TrueLayer](https://www.anchorterminal.com/compare/teller-vs-truelayer.md)\n- [Teller vs Yodlee Core API](https://www.anchorterminal.com/compare/teller-vs-yodlee-financial-data.md)\n- [Tink vs TrueLayer](https://www.anchorterminal.com/compare/tink-vs-truelayer.md)\n- [Tink vs Yodlee Core API](https://www.anchorterminal.com/compare/tink-vs-yodlee-financial-data.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": "2026-10-09", "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": "TrueLayer vs Yodlee Core API", "url": "" } ], "description": "TrueLayer scores 62.1 (B) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 6 of 7 scored categories. Yodlee Core API leads on payments \u0026 pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "TrueLayer B 62.1", "Yodlee Core API E 41.9", "scores" ], "h1": "TrueLayer vs Yodlee Core API", "image": "https://www.anchorterminal.com/assets/og/compare-truelayer-vs-yodlee-financial-data.png", "path": "/compare/truelayer-vs-yodlee-financial-data", "published": "2026-10-01", "section": "tools", "title": "TrueLayer vs Yodlee Core API for AI agents, B 62.1 vs E 41.9", "toc": null, "updated": "2026-10-09", "url": "https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data" }, "tokens": { "markdown": 2350, "slim": 680 }, "version": 1 }