APIs · head to head
Akoya vs Prisma
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
The short version
- Only Prisma 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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- They diverge on capability: Akoya covers FDX standard APIs, Prisma covers ORM.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Akoya and Prisma actually diverge.
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- 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 Prisma
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Prisma
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Prisma
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Prisma
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Akoya
- Adding a managed connection pool and edge cache in front of an existing databasenot 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.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
Pricing, plan by plan
Akoya
On request- Akoya Data Access$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
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Which should you pick?
Choose Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Questions people ask
- Is Akoya or Prisma better?
- Neither clearly leads. Akoya starts at On request and Prisma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Prisma?
- Prisma has a free tier; the other does not. Paid plans start at On request for Akoya and Free for Prisma.
- Does Akoya or Prisma run on more platforms?
- Akoya runs on Web. Prisma runs on Node.js, TypeScript.
- Can I use Prisma for free?
- Yes. Prisma 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 Prisma is typically brought in for.
- What can Akoya do that Prisma cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Prisma covers ORM, Query builder, Auto-migrations, 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.
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceAkoya: 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.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceAkoya: 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.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceAkoya: 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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