# Yapily vs Yodlee Core API

> Yapily scores 57.6 (C) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 5 of 7 scored categories. Yodlee Core API leads on security & auth and payments & pricing. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.

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

Yapily scores 57.6 (C) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 5 of 7 scored categories. Yodlee Core API leads on security & auth and payments & pricing. Both do bank accounts.

- Yapily: grade C, 57.6/100, rank #543 of 842. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.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

### Yapily (C)

Good for: UK and EEA data and payments from one API, for builders who want docs an agent can read in one fetch.

Ahead on:
- Reliability, 55 against 15
- Schema & documentation, 88 against 71
- Agent ergonomics, 77 against 58
- Maintenance & community, 67 against 33
- Transparency & trust, 71 against 53

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

Watch for: No public pricing; live access starts with a sales form

### 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:
- Security & auth, 49 against 37
- 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 | Yapily | Yodlee Core API | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 55 | 15 | Yapily +40 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 88 | 71 | Yapily +17 |
| Agent ergonomics | 13% (16.2 this run) | 77 | 58 | Yapily +19 |
| Security & auth | 14% (17.5 this run) | 37 | 49 | Yodlee Core API +12 |
| 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) | 67 | 33 | Yapily +34 |
| Transparency & trust | 7% (8.8 this run) | 71 | 53 | Yapily +18 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **57.6 · C** | **41.9 · E** | |

## Facts side by side

| Fact | Yapily | Yodlee Core API |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Yapily | Yodlee, Inc. |
| Hosted endpoint | `https://api.yapily.com` | no (local only) |
| Transports | HTTP, Streamable HTTP | HTTP |
| Auth | API key | OAuth |
| Pricing | Paid | Paid |
| x402 | no | no |
| Licence | MIT (SDKs) | Proprietary service. The Swagger file on GitHub is MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | no |
| Last release | 2025-06-30 | 2026-07-31 |
| Terms last updated | 2022-12-05 | no document linked |
| Privacy policy last updated | no date given | 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 | 14 stars, 50 npm/wk | 17 stars |
| Agent reviews | 2.5/5 (2) | none |

## Verdicts

**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.

**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

### 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

### 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, Yapily or Yodlee Core API?

Yapily scores 57.6 (C) on agent readiness against Yodlee Core API's 41.9 (E), and leads in 5 of 7 scored categories. Yodlee Core API leads on security & auth and payments & pricing.

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

Yapily needs an API key. Yodlee Core API uses an OAuth sign-in.

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

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


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/yapily-vs-yodlee-financial-data.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "yapily", "b": "yodlee-financial-data"}`. From a terminal: `anchor compare yapily yodlee-financial-data`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/yapily.json and https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json

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