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APIs · head to head

Akoya vs Kong

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
Kong logo

Kong

APIs

Cloud-native API gateway and service connectivity platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Kong 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.; Kong the Plus plan includes 1M API requests a month and charges $200 a month for each additional million
  • They diverge on capability: Akoya covers FDX standard APIs, Kong covers API Gateway.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Akoya and Kong actually diverge.

Attributes where Akoya and Kong differ
AttributeAkoyaKong
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes
PlatformsWebLinux, Docker, Kubernetes
FoundedUnknown2010

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 Kong

  • API Gateway
  • Authentication & Authorization
  • Rate Limiting
  • Kubernetes
  • Consul
  • Eureka
  • PostgreSQL
  • Linux 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 Kong
  • A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Kong
  • A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Kong
  • A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Kong

Kong

  • API gateway management and routingnot Akoya
  • API development and testingnot Akoya
  • Enterprise API security and governancenot 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.

Kong

  • The Plus plan includes 1M API requests a month and charges $200 a month for each additional million
  • Plus is capped at 10M requests a month, so growth past that forces an Enterprise contract
  • Plus limits published APIs to 20 and includes one Developer Portal, with a second at $200 a month
  • SSO and audit logging are Enterprise only
  • Enterprise pricing is custom and billed annually

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

Kong

Free
  • Kong Konnect Free TrialFree
    • 30-day free trial
    • Full enterprise functionality
    • Unlimited gateways
  • Kong Konnect Plus$null/month
    • Per gateway pricing billed monthly
    • Up to 5 Serverless Gateways, 2 Hybrid, 2 Dedicated Cloud Gateways
    • 1M API requests included per month
  • Kong Insomnia EssentialsFree
    • Unlimited projects and CLI access
    • Up to 3 Git Sync users
    • 1,000 mock server requests per month
  • Kong Insomnia Pro$12/month
    • Unlimited users with Git Sync access
    • Unlimited organizations
    • RBAC

Which should you pick?

Choose Akoya if

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

Choose Kong if

  • You need api gateway.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes.
  • You also want authentication & authorization.
Kong review

Questions people ask

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

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.

Kong: Does Kong offer a free trial?

Yes, Kong Konnect offers a 30-day free trial with full enterprise functionality, unlimited gateways, and no credit card required.

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.

Kong: How much does Kong Insomnia Pro cost?

Kong Insomnia Pro is $12 per user per month with 15% savings available for annual billing.

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.

Kong: What are Kong Konnect Plus API request limits?

Kong Konnect Plus includes 1M API requests per month; additional requests cost $200 per 1M (maximum 10M per month).

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.

Kong: What is included in Kong Insomnia Enterprise?

Kong Insomnia Enterprise is $45 per user per month with SSO, SCIM, vault integrations, unlimited mock server requests, and Konnect integration.

Source
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