APIs · head to head
Akoya vs Episode Six
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
Episode Six
APIs
Payment processing and ledger platform deployable on premise or in your own cloud
- From
- On request
- Rated
- -
The short version
- 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.; Episode Six deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.
- They diverge on capability: Akoya covers FDX standard APIs, Episode Six covers Tritium API platform.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Akoya and Episode Six actually diverge.
| Attribute | Akoya | Episode Six |
|---|---|---|
| Platforms | Web | Web, API, On-premise |
Identical on both: starting price (On request), pricing model (quote), 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 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 Episode Six
- Tritium API platform
- Flexible deployment
- Multi product issuing
- Digital wallets
- Multi currency ledger
- Network connectivity
- Configurable product engine
- Institutional controls
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 Episode Six
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Episode Six
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Episode Six
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Episode Six
Episode Six
- A bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloudnot Akoya
- A large institution replacing a legacy card processor without moving off its own infrastructurenot Akoya
- A telco or airline launching a branded wallet and card product at national scalenot Akoya
- A bank running prepaid, debit and credit products that wants them on one ledger rather than three processorsnot 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.
Episode Six
- Deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.
- Implementation runs to quarters and involves core banking, network certification and fraud system integration, so time to first card is far longer than with a self serve issuer processor.
- Pricing is entirely bespoke and weighted to large programmes, which prices out fintechs and small issuers who would be better served by a hosted platform.
- Being smaller than the incumbent processors, its network certifications and operational presence vary by region, so a global rollout can find gaps in specific markets.
- The flexibility of six hundred APIs and a configurable product engine shifts design responsibility onto the buyer, and institutions without strong internal payments architects end up dependent on professional services.
Pricing, plan by plan
Akoya
On request- Akoya Data Access$undefined/year
- Usage-based pricing quoted by data product and call volume
- Separate commercial terms for data recipients and for financial institutions joining the network
- No published rate card
Episode Six
On request- Tritium platform$undefined/year
- Licence and implementation quoted per institution
- Deployment model affects cost materially: on premise, private cloud or hosted
- Processing fees typically per transaction or per active card
Which should you pick?
Choose Episode Six if
- You need tritium api platform.
- You work on Web, API, On-premise.
- You also want flexible deployment.
Questions people ask
- Is Akoya or Episode Six better?
- Neither clearly leads. Akoya starts at On request and Episode Six at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Episode Six?
- Akoya starts at On request and Episode Six at On request.
- Does Akoya or Episode Six run on more platforms?
- Akoya runs on Web. Episode Six runs on Web, API, On-premise.
- 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 Episode Six is typically brought in for.
- What can Akoya do that Episode Six cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Episode Six covers Tritium API platform, Flexible deployment, Multi product issuing, Digital wallets.
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.
Episode Six: Can Episode Six run inside our own data centre?
Yes. On premise and private cloud deployment is the main reason banks choose it over hosted only processors.
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.
Episode Six: Is it suitable for a startup issuing its first cards?
Not really. The licence, implementation timeline and cost are aimed at banks and large institutions.
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.
Episode Six: Do we still need a card licence or sponsor?
Yes. Episode Six is a processor. Network membership, licensing or a sponsor arrangement remains your responsibility.
Akoya: Does it help with CFPB section 1033?
It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.
Related pages
More on Episode Six
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