# Yodlee Core API (slim)

> 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.

- Full: https://www.anchorterminal.com/tools/yodlee-financial-data.md (~7,200 tokens) · this version ~1,730 tokens · JSON https://www.anchorterminal.com/tools/yodlee-financial-data.json · canonical https://www.anchorterminal.com/tools/yodlee-financial-data
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-09

**E · 41.9/100 · rank #796 of 842 · #12 in Bank data & open banking · not agent-ready · confidence medium**


Assessment: 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.

## Facts

- Kind: HTTP API · vendor: Yodlee, Inc. · category: Bank data & open banking · legal entity: Yodlee, Inc. · provenance 73/100
- Local only (HTTP)
- Auth: OAuth · pricing: Paid · x402: no · licence: Proprietary service. The Swagger file on GitHub is MIT
- Probe metrics: not measured yet (probes haven't run)
- Environments: Sandbox (free, five preconfigured users, sample data), development and production, each with its own credentials. The docs print paths such as `/ysl/accounts` without a host
- Version: Core API v1.1, set with the `Api-Version: 1.1` header, designed to work with FastLink 4
- Products: Account aggregation, account verification (including challenge deposits in the US), transaction data enrichment, holdings, statements and documents, derived net worth and summaries, processor tokens, open banking consents
- Countries: Yodlee names the United States, United Kingdom, Australia and India for the core API. FastLink regions add Canada, Latin America, New Zealand and South Africa, with open banking flows for the US, UK, EU and Australia
- Rate limits: Not found in the docs or the Swagger file
- Test data: Five pre-registered sandbox users and Yodlee's Dummy Account Generator site
- Consent and revocation: FastLink 4 handles linking and open banking consent. `GET /consents`, consent renewal and consent history endpoints, `DELETE /providerAccounts/{providerAccountId}`, `DELETE /accounts/{accountId}` and `DELETE /user/unregister`
- Pagination: `skip` and `top` (1 to 500) with next and previous links in the response header. Transactions default to the last 30 days and reach back two years
- Errors: JSON with `errorCode` (format `YNNN`), `errorMessage` and `referenceCode`. The Swagger file lists 400 errors per operation and no 429
- Webhooks: `REFRESH`, `DATA_UPDATES`, `AUTO_REFRESH_UPDATES`, `LATEST_BALANCE_UPDATES`, account verification events and open banking consent events
- SDKs: No official server SDK. Clients are generated from the Swagger file. FastLink 4 guides cover web, iOS, Android, React Native and Flutter
- Certifications: SOC 2 Type 2 assessed yearly (report under NDA) and PCI DSS 4.0.1 Level One, per the Security FAQ

- Scores: Reliability 15, Performance pending, Schema & documentation 71, Agent ergonomics 58, Security & auth 49, Payments & pricing 15, Task success pending, Maintenance & community 33, Transparency & trust 53 · total over the 7 assessed categories
- Why: Reliability, Graded as a hosted API. · Schema & documentation, A public Swagger 2.0 file (`Yodlee/OpenAPI`, MIT) with 70 paths, 98 operations and 267 definitions. · Agent ergonomics, `include` adds optional detail, `top` caps list size at 500, count endpoints exist for transactions and providers, and derived endpoints ret… · Security & auth, A `clientId` and `secret` in a form body, never in the URL, are exchanged for a bearer token that expires after 30 minutes and is bound to o… · Payments & pricing, No x402, MPP or L402 (0). · Maintenance & community, The newest release notes, July Week 3 2026, are dated 31 July 2026, 69 days before the check (20 of 30). · Transparency & trust, Closed service with no published service agreement or developer terms.
- Sources: 33, open questions: 8, both in the full twin
- Capabilities: bank.accounts, bank.transactions, bank.identity, bank.consent
- JSON: https://www.anchorterminal.com/api/v1/tools/yodlee-financial-data.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/yodlee-financial-data.svg` or a link to https://www.anchorterminal.com/tools/yodlee-financial-data from a page on yodlee.com or one of its subdomains, or the README of github.com/Yodlee/OpenAPI, then `POST https://www.anchorterminal.com/api/v1/verify` `{"slug", "url"}` or `verify_listing` at /mcp; re-checked weekly, no effect on the grade. Snippets in the full twin.

## Before you call it

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

## Connect

```bash
POST /auth/token
Api-Version: 1.1
loginName: <loginName>
Content-Type: application/x-www-form-urlencoded

clientId=<clientId>&secret=<secret>
```
Full config and headless snippets are in the full page. Through letme (picks today, calling later): https://letme.dev/yodlee-financial-data

## Similar tools

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| Plaid | B | 69.8 | bank.accounts, bank.transactions, bank.identity, bank.consent | https://www.anchorterminal.com/tools/plaid.min.md |
| Belvo | B | 63.5 | bank.accounts, bank.transactions, bank.identity, bank.consent | https://www.anchorterminal.com/tools/belvo.min.md |
| MX Platform API | B | 62.5 | bank.accounts, bank.transactions, bank.identity, bank.consent | https://www.anchorterminal.com/tools/mx.min.md |
| Tink | B | 62.5 | bank.accounts, bank.transactions, bank.consent, bank.identity | https://www.anchorterminal.com/tools/tink.min.md |
| TrueLayer | B | 62.1 | bank.accounts, bank.transactions, bank.identity, bank.consent | https://www.anchorterminal.com/tools/truelayer.min.md |


## Panel reviews (0, desk reviews from public material, no calls made)