APIs · head to head
Akoya vs Flybits
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
Flybits
APIs
Contextual personalisation and decisioning platform for financial institutions
- 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.; Flybits its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
- They diverge on capability: Akoya covers FDX standard APIs, Flybits covers Contextual decisioning engine.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Akoya and Flybits actually diverge.
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 Flybits
- Contextual decisioning engine
- Non-technical configuration
- Agentic Banking capability
- Customer data unification
- Card-linked offers
- Real-time insight delivery
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 Flybits
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Flybits
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Flybits
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Flybits
Flybits
- A bank wanting to move from generic segment-based marketing to individually contextual offers and messagesnot Akoya
- A product team wanting to configure personalisation rules without needing engineering support for every changenot Akoya
- A bank wanting card-linked contextual offers tied to transaction datanot Akoya
- A financial institution exploring an agentic AI interaction layer across cards, loans and depositsnot 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.
Flybits
- Its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
- The newer Agentic Banking capability is recent enough that long-term reliability, accuracy and customer trust data at scale are still limited compared with its longer-established contextual decisioning engine.
- Pricing is not published, requiring a licensing negotiation per institution.
- As with Meniga, it is a white-label layer rather than a consumer-facing brand, making independent reputation and reliability harder for a prospective bank client to verify directly.
- Expanding from a rules-based personalisation engine into agentic AI interaction is a significant scope and complexity increase, and a bank evaluating it today should confirm which capabilities are mature and in production versus newly launched.
Pricing, plan by plan
Akoya
On request- Akoya Data Access$undefined/year
- Usage-based pricing quoted by data product and call volume
- Separate commercial terms for data recipients and for financial institutions joining the network
- No published rate card
Flybits
On request- Flybits$undefined/year
- Pricing not published, licensed per financial institution deployment
Which should you pick?
Choose Flybits if
- You need contextual decisioning engine.
- You work on Web, iOS, Android.
- You also want non-technical configuration.
Questions people ask
- Is Akoya or Flybits better?
- Neither clearly leads. Akoya starts at On request and Flybits at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Flybits?
- Akoya starts at On request and Flybits at On request.
- Does Akoya or Flybits run on more platforms?
- Akoya runs on Web. Flybits runs on Web, iOS, Android.
- 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 Flybits is typically brought in for.
- What can Akoya do that Flybits cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Flybits covers Contextual decisioning engine, Non-technical configuration, Agentic Banking capability, Customer data unification.
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.
Flybits: Does Flybits require engineering support to run campaigns?
No, it is designed so marketing and product teams can configure personalisation rules directly.
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.
Flybits: What is Agentic Banking?
A newer Flybits capability introducing AI agents as an interaction layer unifying cards, loans and deposits into conversational banking experiences.
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.
Flybits: Is pricing published?
No, it is licensed per financial institution and requires a quote.
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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