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APIs · head to head

Akoya vs Tinybird

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
Tinybird logo

Tinybird

Databases

Managed ClickHouse with a workflow that turns SQL queries into hosted HTTP APIs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Tinybird 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.; Tinybird it is ClickHouse underneath, so it inherits ClickHouse limits: multi-table joins degrade badly at scale, updates and deletes are expensive mutations rather than cheap operations, and a poorly chosen sorting key at table creation cannot be fixed without rebuilding the data.
  • They diverge on capability: Akoya covers FDX standard APIs, Tinybird covers Managed ClickHouse.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Akoya and Tinybird actually diverge.

Attributes where Akoya and Tinybird differ
AttributeAkoyaTinybird
Starting priceOn requestFree
Pricing modelquotePer month by compute and storage
Free tierNoYes
PlatformsWebWeb, Cloud, Linux, macOS
CategoryAPIsDatabases

Identical on both: user rating (Not yet rated).

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 Tinybird

  • Managed ClickHouse
  • Pipes as APIs
  • Events HTTP endpoint
  • Streaming connectors
  • Materialized views
  • Git-based workflow
  • Token-scoped auth
  • Observability

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 Tinybird
  • A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Tinybird
  • A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Tinybird
  • A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Tinybird

Tinybird

  • A SaaS product adding a per-customer usage dashboard that must render in under a second across billions of eventsnot Akoya
  • A team building rate limiting or fraud checks that need an aggregate over the last few minutes returned inside a request cyclenot Akoya
  • A data team offloading interactive operational dashboards from Snowflake, where per-query warehouse cost makes constant refresh untenablenot Akoya
  • A game or ad-tech company ingesting a high-volume event stream and exposing live counters back to customers through an APInot 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.

Tinybird

  • It is ClickHouse underneath, so it inherits ClickHouse limits: multi-table joins degrade badly at scale, updates and deletes are expensive mutations rather than cheap operations, and a poorly chosen sorting key at table creation cannot be fixed without rebuilding the data.
  • Compute is metered per vCPU-second with overage at 0.0002 USD per second, so an inefficient query shipped to production shows up directly on the invoice rather than merely running slowly.
  • Only the Enterprise tier gets horizontal scaling and dedicated infrastructure; Free, Developer and SaaS all run on shared infrastructure with vertical scaling only, which caps both isolation and headroom for anyone not on a custom contract.
  • Storage is billed at 0.058 USD per gigabyte on top of compute, and egress is charged separately at 0.01 USD per gigabyte intra-cloud and 0.10 USD inter-cloud, so a high-fanout API serving many small responses accrues costs in three places at once.
  • You are building on a proprietary workflow around an open database: the pipes, tokens and API layer are Tinybird specific, so leaving means keeping your data but rewriting the entire serving layer you adopted Tinybird to avoid writing.

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

Tinybird

Free
  • FreeFree
    • 0.25 vCPU on shared infrastructure
    • 10 GB storage included
    • 1,000 requests per day
  • Developer$25/month
    • 0.5 vCPU scaling to 8 vCPU
    • 25 GB storage included
    • Two replicas
  • SaaS$undefined/month
    • Up to 32 vCPU
    • 500 GB storage included
    • Four to sixteen threads per request
  • Enterprise$undefined/year
    • Unlimited vCPU and bottomless storage
    • Dedicated infrastructure and private regions
    • Vertical and horizontal scaling

Which should you pick?

Choose Akoya if

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

Choose Tinybird if

  • You need managed clickhouse.
  • You want to start without paying.
  • You work on Web, Cloud, Linux, macOS.
  • You also want pipes as apis.
Tinybird review

Questions people ask

Is Akoya or Tinybird better?
Neither clearly leads. Akoya starts at On request and Tinybird at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Akoya or Tinybird?
Tinybird has a free tier; the other does not. Paid plans start at On request for Akoya and Free for Tinybird.
Does Akoya or Tinybird run on more platforms?
Akoya runs on Web. Tinybird runs on Web, Cloud, Linux, macOS.
Can I use Tinybird for free?
Yes. Tinybird 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 Tinybird is typically brought in for.
What can Akoya do that Tinybird cannot?
Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Tinybird covers Managed ClickHouse, Pipes as APIs, Events HTTP endpoint, Streaming connectors.

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.

Tinybird: Is Tinybird just hosted ClickHouse?

No. The database is ClickHouse, but the product is the layer above it: publishing parameterised SQL as authenticated, rate-limited REST endpoints without writing an API server.

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.

Tinybird: What does it actually cost?

Free tier at 1,000 requests a day, Developer from 25 USD a month, then compute at 0.0002 USD per vCPU-second and storage at 0.058 USD per gigabyte. Higher tiers are quoted.

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.

Tinybird: Can I run it on my own infrastructure?

Only on Enterprise, which offers dedicated infrastructure and private regions. Lower tiers are shared multi-tenant cloud.

Akoya: Does it help with CFPB section 1033?

It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.

Tinybird: Does it handle updates and deletes?

Poorly, as ClickHouse does. Design for append-only event data; frequent mutation is the wrong workload for this engine.

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