APIs · head to head
Akoya vs Skaleet
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
Skaleet
APIs
Cloud-native core banking and payment hub with deployments measured in months
- 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.; Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
- They diverge on capability: Akoya covers FDX standard APIs, Skaleet covers Cloud-native core.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Akoya and Skaleet 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 Skaleet
- Cloud-native core
- Payment hub
- Card management
- Lending
- API-first
- Configurable products
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 Skaleet
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Skaleet
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Skaleet
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Skaleet
Skaleet
- A banking group launching a digital savings or deposit brand in a new country within a yearnot Akoya
- A bank modernising payments to ISO 20022 without replacing its whole corenot Akoya
- A payroll or HR software company adding embedded banking to its productnot Akoya
- A payment service provider needing a ledger and accounts under its existing licencenot 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.
Skaleet
- The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
- Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
- It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
- As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
- Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.
Pricing, plan by plan
Akoya
On request- Akoya Data Access$undefined/year
- Usage-based pricing quoted by data product and call volume
- Separate commercial terms for data recipients and for financial institutions joining the network
- No published rate card
Skaleet
On request- Skaleet Core Banking Platform$undefined/year
- Subscription licence scaled by accounts and transaction volume
- Payment hub licensable separately from the full core
- Implementation and configuration charged as a project
Which should you pick?
Choose Skaleet if
- You need cloud-native core.
- You work on Web, REST API, Linux.
- You also want payment hub.
Questions people ask
- Is Akoya or Skaleet better?
- Neither clearly leads. Akoya starts at On request and Skaleet at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Skaleet?
- Akoya starts at On request and Skaleet at On request.
- Does Akoya or Skaleet run on more platforms?
- Akoya runs on Web. Skaleet runs on Web, REST API, Linux.
- 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 Skaleet is typically brought in for.
- What can Akoya do that Skaleet cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Skaleet covers Cloud-native core, Payment hub, Card management, Lending.
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.
Skaleet: What was Skaleet called before?
TagPay. The company rebranded to Skaleet while keeping the same platform lineage.
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.
Skaleet: Can I buy just the payment hub?
Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.
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.
Skaleet: How fast are real deployments?
Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.
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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