APIs · head to head
Akoya vs Stoplight
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 Stoplight 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.; Stoplight the free plan allows one project and one user
- They diverge on capability: Akoya covers FDX standard APIs, Stoplight covers API Design.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Akoya and Stoplight 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 Stoplight
- API Design
- API Documentation
- Governance
- GitHub
- GitLab
- Jenkins
- Azure DevOps
- Web 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 Stoplight
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Stoplight
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Stoplight
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Stoplight
Stoplight
- API design and documentationnot Akoya
- API governance and standardsnot Akoya
- Team collaboration on API developmentnot Akoya
- API mocking and testingnot 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.
Stoplight
- The free plan allows one project and one user
- Private projects, multi branch support and custom domains start at the Startup plan, $113 a month billed annually
- SSO and shared style guides are Pro Team only, at $362 a month billed annually
- Seats beyond each plan's allowance are $11 to $27 each per month depending on tier and billing period
Pricing, plan by plan
Akoya
On request- Akoya Data Access$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
Stoplight
Free- FreeFree
- 1 project
- 1 user
- Basic API design and documentation features
- Basic$56/month
- Annual: $44/user/year
- 3 included users; $14 per additional user (monthly)
- Unlimited projects
- Startup$147/month
- Annual: $113/user/year
- 8 included users; $14 per additional user (monthly)
- Private projects
- Pro Team$453/month
- Annual: $362/user/year
- 15 included users; $27 per additional user (monthly)
- Up to 20 teams
Which should you pick?
Choose Stoplight if
- You need api design.
- You want to start without paying.
- You work on Web, Cloud.
- You also want api documentation.
Questions people ask
- Is Akoya or Stoplight better?
- Neither clearly leads. Akoya starts at On request and Stoplight at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Stoplight?
- Stoplight has a free tier; the other does not. Paid plans start at On request for Akoya and Free for Stoplight.
- Does Akoya or Stoplight run on more platforms?
- Akoya runs on Web. Stoplight runs on Web, Cloud.
- Can I use Stoplight for free?
- Yes. Stoplight 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 Stoplight is typically brought in for.
- What can Akoya do that Stoplight cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Stoplight covers API Design, API Documentation, Governance, GitHub.
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.
Stoplight: How much does Stoplight cost?
Stoplight starts with a free plan (1 project, 1 user), then Basic at $56/month per user (or $44/year), Startup at $147/month per user (or $113/year), Pro Team at $453/month per user (or $362/year), and Enterprise at custom pricing.
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.
Stoplight: How many included users are in each Stoplight plan?
Basic includes 3 users, Startup includes 8 users, and Pro Team includes 15 users. Additional users beyond the included count cost $14/month for Basic and Startup, or $27/month for Pro Team.
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.
Stoplight: Does Stoplight offer a free trial?
Yes, all paid Stoplight plans include a 14-day free trial. The free plan has no trial period as it is always available.
SourceAkoya: Does it help with CFPB section 1033?
It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.
Stoplight: Does Stoplight's free plan have limitations?
Yes, the free plan includes only 1 project and 1 user. Users viewing public documentation anonymously are not counted toward the 1-user limit.
SourceRelated pages
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