APIs · head to head
Akoya vs Salt Edge
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
Salt Edge
APIs
Independent open banking aggregator covering Europe by PSD2 API and other markets by direct connection
- 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.; Salt Edge coverage outside regulated open banking markets is not all direct bank API, and connections that are not regulated interfaces break when a bank changes its systems, so a headline country count overstates the reliability you will actually experience.
- They diverge on capability: Akoya covers FDX standard APIs, Salt Edge covers Account information.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Akoya and Salt Edge 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 Salt Edge
- Account information
- Payment initiation
- Wide country coverage
- Open Banking Gateway
- Categorisation and enrichment
- Consent management
- Partner and white label
- Sandbox
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 Salt Edge
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Salt Edge
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Salt Edge
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Salt Edge
Salt Edge
- A lender operating across several European and non-EU markets that needs one aggregation contract rather than a different provider per countrynot Akoya
- A fintech that wants an aggregator not owned by a card network because its use case competes with card productsnot Akoya
- An accounting or treasury product that needs bank feeds in markets the large aggregators do not servenot Akoya
- A bank that must publish PSD2-compliant APIs and would rather buy the compliance layer than build itnot 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.
Salt Edge
- Coverage outside regulated open banking markets is not all direct bank API, and connections that are not regulated interfaces break when a bank changes its systems, so a headline country count overstates the reliability you will actually experience.
- Pricing is not published and is usage-based, so two providers cannot be compared without running both sales processes, and cost grows with the connected user base rather than with revenue.
- Support and engineering are distributed across Eastern Europe and Canada, and buyers in other time zones report slower turnaround on connection-specific breakages than they get from a domestic provider.
- PSD2 consent rules require customers to reauthenticate periodically, and Salt Edge cannot change that, so any product depending on continuous data must design for consent expiry and the drop-off it causes.
- United States coverage is weaker than Plaid or Mastercard Open Banking, so a company with meaningful US volume ends up running two aggregators and normalising between them.
Pricing, plan by plan
Akoya
On request- Akoya Data Access$undefined/year
- Usage-based pricing quoted by data product and call volume
- Separate commercial terms for data recipients and for financial institutions joining the network
- No published rate card
Salt Edge
On request- Salt Edge Open Banking API$undefined/year
- Account information and payment initiation
- Coverage across 50 plus countries
- Consent management and enrichment
Which should you pick?
Choose Salt Edge if
- You need account information.
- You work on Web, API.
- You also want payment initiation.
Questions people ask
- Is Akoya or Salt Edge better?
- Neither clearly leads. Akoya starts at On request and Salt Edge at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Salt Edge?
- Akoya starts at On request and Salt Edge at On request.
- Does Akoya or Salt Edge run on more platforms?
- Akoya runs on Web. Salt Edge runs on Web, API.
- 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 Salt Edge is typically brought in for.
- What can Akoya do that Salt Edge cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Salt Edge covers Account information, Payment initiation, Wide country coverage, Open Banking Gateway.
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.
Salt Edge: Who owns Salt Edge?
It is independently owned, unlike Tink (Visa), Finicity (Mastercard) or Yodlee (Envestnet), which matters if your use case competes with the owner.
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.
Salt Edge: Is all coverage direct bank API?
No. Inside PSD2 markets connections use regulated APIs; elsewhere coverage relies on direct connections whose reliability depends on the bank not changing its systems. Ask for a per-institution answer.
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.
Salt Edge: Does it do payments as well as data?
Yes, payment initiation is supported in European markets where PSD2 applies.
Akoya: Does it help with CFPB section 1033?
It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.
Salt Edge: What does it cost?
Not published. Pricing is usage-based and quoted, though the sandbox is free.
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