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APIs · head to head

3scale vs Akoya

3scale logo

3scale

APIs

API management platform for designing, securing, and monetizing APIs

From
$300/monthly
Rated
-
Full reviewWebsite
Akoya logo

Akoya

APIs

Bank-owned, token-based open finance network that replaces screen scraping for US financial data

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 3scale red Hat's managed 3scale services end on 30 June 2027, so anyone adopting the hosted option now is choosing a product with a published end date; Akoya coverage reaches several thousand institutions but does not match aggregators that can still scrape, so applications needing the long tail of small credit unions will run a second data provider alongside it.
  • They diverge on capability: 3scale covers API Gateway, Akoya covers FDX standard APIs.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which 3scale and Akoya actually diverge.

Attributes where 3scale and Akoya differ
Attribute3scaleAkoya
Starting price$300/monthlyOn request
Pricing modelsubscriptionquote
PlatformsCloud, On-premises, HybridWeb
Founded1993Unknown

Identical on both: free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in 3scale

  • API Gateway
  • Developer Portal
  • API Monetization
  • Red Hat OpenShift
  • AWS
  • Azure
  • Kubernetes
  • Cloud support

Only in Akoya

  • FDX standard APIs
  • Token-based access
  • Investment data
  • Accounts, balances and transactions
  • Statements and tax forms
  • Customer identity
  • Consumer permission management
  • Single integration

What people use each for

The jobs each tool is most often brought in to do.

3scale

  • API gateway and lifecycle managementnot Akoya
  • Rate limiting and traffic control across API consumersnot Akoya
  • Developer portal and access key managementnot Akoya
  • Monetising APIs with usage-based plansnot Akoya
  • Hybrid deployment across on-premises and cloudnot Akoya

Akoya

  • A wealth management platform that needs Fidelity brokerage holdings and tax lots, which cannot be scraped since Fidelity closed that route in October 2023not 3scale
  • A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot 3scale
  • A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot 3scale
  • A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot 3scale

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

3scale

  • Red Hat's managed 3scale services end on 30 June 2027, so anyone adopting the hosted option now is choosing a product with a published end date
  • Sold as part of Red Hat middleware rather than standalone, and 3scale.net redirects into redhat.com
  • Pricing is not published and a subscription is required for some services

Akoya

  • Coverage reaches several thousand institutions but does not match aggregators that can still scrape, so applications needing the long tail of small credit unions will run a second data provider alongside it.
  • The network is owned by large banks, so roadmap and coverage priorities reflect owner interests rather than those of the fintechs consuming the data, and a recipient has no leverage over which institutions are added next.
  • Data availability is decided institution by institution, meaning a bank may expose balances but not transactions or investments, and recipients must verify field-level coverage per institution rather than assume the FDX model is fully populated.
  • Pricing is unpublished and usage based, which makes it difficult to compare against aggregator pricing during a build-versus-buy decision and forces a sales cycle before you can model cost.
  • The token model requires the institution to have implemented its side, so newly onboarded institutions arrive on the institution timetable, not yours, and a launch dependent on a specific bank can slip badly.

Pricing, plan by plan

3scale

$300/monthly
  • Starter$300/monthly
    • API gateway
    • Developer portal
    • Basic analytics
  • Professional$750/monthly
    • Advanced features
    • API monetization
    • Enhanced support
  • Enterprise$undefined/monthly
    • Custom deployment
    • Dedicated support
    • Premium SLA

Akoya

On request
  • Akoya Data Access$undefined/year
    • Usage-based pricing quoted by data product and call volume
    • Separate commercial terms for data recipients and for financial institutions joining the network
    • No published rate card

Which should you pick?

Choose 3scale if

  • You need api gateway.
  • You work on Cloud, On-premises, Hybrid.
  • You also want developer portal.
3scale review

Choose Akoya if

  • You need fdx standard apis.
  • You also want token-based access.
Akoya review

Questions people ask

Is 3scale or Akoya better?
Neither clearly leads. 3scale starts at $300/monthly and Akoya at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 3scale or Akoya?
3scale starts at $300/monthly and Akoya at On request.
Does 3scale or Akoya run on more platforms?
3scale runs on Cloud, On-premises, Hybrid. Akoya runs on Web.
What is 3scale best used for?
3scale is most often used for api gateway and lifecycle management, rate limiting and traffic control across api consumers, developer portal and access key management, monetising apis with usage-based plans. Of those, api gateway and lifecycle management and rate limiting and traffic control across api consumers are not what Akoya is typically brought in for.
What can 3scale do that Akoya cannot?
3scale covers API Gateway, Developer Portal, API Monetization, Red Hat OpenShift. Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions.

Answered from the vendors’ own pages

3scale: Does Red Hat 3scale require a subscription?

Yes. The page states a subscription may be required for some services, though specific subscription details and costs are not published on this page.

Source
Akoya: Who owns Akoya?

A group of large US banks. It was spun out of Fidelity, which is why Fidelity data access runs through it.

3scale: Is a trial available for 3scale?

A 'Start a trial' link is mentioned in navigation, but trial duration, included features, and limitations are not specified on this page.

Source
Akoya: Is Akoya screen scraping?

No. It uses FDX standard APIs with OpenID Connect tokens, so credentials are never shared with or stored by the data recipient.

3scale: When will Red Hat 3scale end support?

Red Hat 3scale API Management maintenance and managed services will end on June 30, 2027. Customers should plan migrations accordingly.

Source
Akoya: Can we use Akoya alone instead of an aggregator?

Usually not. Its investment and large-institution coverage is excellent, but the long tail of smaller institutions is thinner, so most teams run both.

Akoya: Does it help with CFPB section 1033?

It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.

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