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APIs · head to head

Akoya vs Auth0

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
Auth0 logo

Auth0

Technology

Secure access for everyone

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Auth0 has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Auth0 free tier limited to 25,000 monthly active users, requiring upgrade for growth beyond that
  • They diverge on capability: Akoya covers FDX standard APIs, Auth0 covers Universal login.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Akoya and Auth0 actually diverge.

Attributes where Akoya and Auth0 differ
AttributeAkoyaAuth0
Starting priceOn requestFree
Pricing modelquoteUnknown
Free tierNoYes
PlatformsWebWeb, iOS, Android
CategoryAPIsTechnology
FoundedUnknown2013

Identical on both: user rating (Not yet rated).

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 Akoya

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

Only in Auth0

  • Universal login
  • Social login
  • Multi-factor authentication
  • Passwordless
  • User management
  • Anomaly detection
  • Extensibility
  • Machine to machine

What people use each for

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

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 Auth0
  • A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Auth0
  • A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Auth0
  • A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Auth0

Auth0

  • B2C authenticationnot Akoya
  • B2B authenticationnot Akoya
  • B2E authenticationnot Akoya
  • API securitynot Akoya
  • Mobile app securitynot Akoya

Where each one falls short

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

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.

Auth0

  • Free tier limited to 25,000 monthly active users, requiring upgrade for growth beyond that
  • Advanced features like MFA and RBAC only available on paid Essentials tier and above
  • Ownership by Okta introduces risk that independent product roadmap may change

Pricing, plan by plan

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

Auth0

Free
  • FreeFree
    • Up to 25,000 monthly active users
    • Basic authentication
    • Email/password login
  • Essentials (B2C)$35/month
    • Unlimited MAUs beyond free tier
    • Multi-Factor Authentication
    • Role-Based Access Control
  • Professional (B2C)$240/month
    • All Essentials features
    • Advanced security
    • Custom branding

Which should you pick?

Choose Akoya if

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

Choose Auth0 if

  • You need universal login.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want social login.
Auth0 review

Questions people ask

Is Akoya or Auth0 better?
Neither clearly leads. Akoya starts at On request and Auth0 at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Akoya or Auth0?
Auth0 has a free tier; the other does not. Paid plans start at On request for Akoya and Free for Auth0.
Does Akoya or Auth0 run on more platforms?
Akoya runs on Web. Auth0 runs on Web, iOS, Android.
Can I use Auth0 for free?
Yes. Auth0 has a free tier, so you can try it without paying. Akoya starts at On request.
What is Akoya best used for?
Akoya is most often used for a wealth management platform that needs fidelity brokerage holdings and tax lots, which cannot be scraped since fidelity closed that route in october 2023, a tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload pdfs, a lender that needs a permissioning trail defensible under cfpb section 1033 rather than a credential-sharing arrangement, a bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interface. Of those, a wealth management platform that needs fidelity brokerage holdings and tax lots, which cannot be scraped since fidelity closed that route in october 2023 and a tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload pdfs are not what Auth0 is typically brought in for.
What can Akoya do that Auth0 cannot?
Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Auth0 covers Universal login, Social login, Multi-factor authentication, Passwordless.

Answered from the vendors’ own pages

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.

Auth0: How much does Auth0 cost?

Auth0 has a Free tier for up to 25,000 monthly active users (MAUs). Paid plans start at $35/month (Essentials B2C) and scale to $240/month (Professional B2C) and higher for Enterprise. Pricing scales with MAU usage.

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.

Auth0: Does Auth0 include Multi-Factor Authentication?

No. MFA, RBAC (Role-Based Access Control), and premium support are not included in the free tier and require upgrading to paid Essentials plans or higher.

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.

Auth0: Is Auth0 independent or part of a larger company?

Auth0 was acquired by Okta in May 2021 for $6.5 billion. It now operates as a subsidiary business unit within Okta, but maintains its own brand and operations.

Source
Akoya: Does it help with CFPB section 1033?

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

Auth0: Who should use Auth0 vs Okta?

Auth0 is developer-focused and serves customer identity use cases (B2C). Okta serves workforce identity (B2B) and has broader enterprise features. Auth0 now serves both markets post-acquisition but maintains its developer-friendly positioning.

Source
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