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APIs · head to head

Akoya vs KeystoneJS

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
KeystoneJS logo

KeystoneJS

APIs

Powerful Node.js headless CMS framework and API platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only KeystoneJS 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.; KeystoneJS database support is limited to PostgreSQL, MySQL and SQLite
  • They diverge on capability: Akoya covers FDX standard APIs, KeystoneJS covers REST API.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Akoya and KeystoneJS actually diverge.

Attributes where Akoya and KeystoneJS differ
AttributeAkoyaKeystoneJS
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsWebNode.js, Self-hosted
FoundedUnknown2016

Identical on both: 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 KeystoneJS

  • REST API
  • GraphQL API
  • Admin interface
  • Node.js
  • Next.js
  • React
  • Databases
  • Node.js support

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

KeystoneJS

  • Headless CMS implementationnot Akoya
  • Content management systemsnot Akoya
  • Customizable API-driven applicationsnot 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.

KeystoneJS

  • Database support is limited to PostgreSQL, MySQL and SQLite
  • Keystone 5 is a separate legacy product documented on a different site and is not covered by the Keystone 6 docs
  • Upgrading requires following a dedicated Migrate to 8.0.0 guide, so major versions are not drop-in
  • Free support is a community Slack; enterprise-grade consulting and support is a separate paid engagement with Thinkmill and no published price

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

KeystoneJS

Free
  • Open SourceFree
    • Full KeystoneJS
    • Community support

Which should you pick?

Choose Akoya if

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

Choose KeystoneJS if

  • You need rest api.
  • You want to start without paying.
  • You work on Node.js, Self-hosted.
  • You also want graphql api.
KeystoneJS review

Questions people ask

Is Akoya or KeystoneJS better?
Neither clearly leads. Akoya starts at On request and KeystoneJS at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Akoya or KeystoneJS?
KeystoneJS has a free tier; the other does not. Paid plans start at On request for Akoya and Free for KeystoneJS.
Does Akoya or KeystoneJS run on more platforms?
Akoya runs on Web. KeystoneJS runs on Node.js, Self-hosted.
Can I use KeystoneJS for free?
Yes. KeystoneJS 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 KeystoneJS is typically brought in for.
What can Akoya do that KeystoneJS cannot?
Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. KeystoneJS covers REST API, GraphQL API, Admin interface, Node.js.

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.

KeystoneJS: Is KeystoneJS free?

Yes, KeystoneJS is free and open source with no licensing fees. Core platform has no lock-in and is contributed to by 250+ developers.

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.

KeystoneJS: What are hosting costs for KeystoneJS?

KeystoneJS is self-hosted and deployment-agnostic. Hosting costs depend on your chosen deployment platform (Vercel, AWS, Heroku, etc.) and infrastructure, not KeystoneJS itself.

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.

KeystoneJS: Does KeystoneJS offer paid support?

Enterprise support with tailored options is available from Thinkmill, the company behind KeystoneJS. Pricing details available upon request.

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.

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