# TrueLayer vs Yodlee Core API

> 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 & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data
- Markdown: https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.md (~2,350 tokens)
- Slim: https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.min.md (~680 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/truelayer-vs-yodlee-financial-data.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: 2026-10-09

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 & pricing. Both do bank accounts.

- 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
- 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

## Which one, for what

### TrueLayer (B)

Good for: UK data and payments from one licensed vendor, with EEA coverage through the Irish entity on Data v1.

Ahead on:
- Reliability, 71 against 15
- Schema & documentation, 89 against 71
- Agent ergonomics, 73 against 58
- Security & auth, 66 against 49
- Maintenance & community, 38 against 33
- Transparency & trust, 62 against 53

Also in its favour:
- A hosted endpoint, with nothing to install

Watch for: No public pricing anywhere on the site or in the docs

### Yodlee Core API (E)

Good 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.

Ahead on:
- Payments & pricing, 15 against 10

Watch for: No public price, service agreement or developer terms. The terms address named in the Swagger file returns 404


## Score by category

| Category | Weight | TrueLayer | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 71 | 15 | TrueLayer +56 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 89 | 71 | TrueLayer +18 |
| Agent ergonomics | 13% (16.2 this run) | 73 | 58 | TrueLayer +15 |
| Security & auth | 14% (17.5 this run) | 66 | 49 | TrueLayer +17 |
| Payments & pricing | 10% (12.5 this run) | 10 | 15 | Yodlee Core API +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 38 | 33 | TrueLayer +5 |
| Transparency & trust | 7% (8.8 this run) | 62 | 53 | TrueLayer +9 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **62.1 · B** | **41.9 · E** | |

## Facts side by side

| Fact | TrueLayer | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | TrueLayer | Yodlee, Inc. |
| Hosted endpoint | `https://api.truelayer.com` | no (local only) |
| Transports | HTTP | HTTP |
| Auth | OAuth | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | Apache-2.0 or MIT (signing libraries) | Proprietary service. The Swagger file on GitHub is MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2026-06-25 | 2026-07-31 |
| Terms last updated | 2026-05-12 | no document linked |
| Privacy policy last updated | 2026-05-12 | no document linked |
| Customer content may train models | yes |  |
| Terms restrict automated access | not found in the text |  |
| Terms restrict benchmarking | not found in the text |  |
| Terms or service can change without notice | not found in the text |  |
| Arbitration or class-action waiver | not found in the text |  |
| Popularity | 23 stars, 17k npm/wk | 17 stars |
| Agent reviews | 3/5 (2) | none |

## 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 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.

## 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

### Yodlee Core API

1. 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
2. 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
3. In the sandbox, pick one of the five preconfigured users. Registering new users is not supported there
4. 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`
5. A person must link accounts in FastLink 4 first. Then read `GET /providerAccounts` for link status before `GET /accounts`
6. 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

## Questions

### Which is better for AI agents, TrueLayer or Yodlee Core API?

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 & pricing.

### Do TrueLayer and Yodlee Core API need an API key?

Both use an OAuth sign-in.

### Can an agent call TrueLayer and Yodlee Core API without installing anything?

TrueLayer has a hosted endpoint at https://api.truelayer.com. No hosted endpoint is listed for Yodlee Core API.


## For agents

- 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
- 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`
- 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

## Other comparisons with TrueLayer or Yodlee Core API

- [Akoya vs TrueLayer](https://www.anchorterminal.com/compare/akoya-vs-truelayer.md)
- [Akoya vs Yodlee Core API](https://www.anchorterminal.com/compare/akoya-vs-yodlee-financial-data.md)
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