APIs · head to head
Akoya vs Zeplo
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
Zeplo
APIs
Message queue as a URL prefix, adding retries and delays to any HTTP request
- From
- Free
- Rated
- -
The short version
- Only Zeplo 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.; Zeplo zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
- They diverge on capability: Akoya covers FDX standard APIs, Zeplo covers URL prefix interface.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Akoya and Zeplo 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 Zeplo
- URL prefix interface
- Retries with backoff
- Delayed delivery
- Cron scheduling
- Concurrency limits
- Deduplication keys
- Request logs
- Team workspaces
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 Zeplo
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Zeplo
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Zeplo
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Zeplo
Zeplo
- A Vercel or Cloudflare Workers application that needs retried background jobs without deploying a separate always-on workernot Akoya
- A team that wants a webhook receiver protected by a concurrency limit so a burst does not overwhelm a downstream APInot Akoya
- A small product needing cron jobs against HTTP endpoints without adding a scheduler to its infrastructurenot Akoya
- A developer adding idempotent retries to an unreliable third-party API call with a one-line URL changenot 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.
Zeplo
- Zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
- The free Developer tier includes only 500 requests a month and one team member, so it is a demonstration allowance rather than a usable free plan for anything real.
- Overage on the Developer tier is 20 US dollars per 100,000 requests, two hundred times the marginal rate on the Company tier, so exceeding the free allowance without upgrading is expensive.
- Team members cost 15 US dollars each beyond the plan allowance, which is an odd charge on an infrastructure product billed by request volume.
- Log retention is 30 days on both published tiers, so anything requiring longer audit trails on job execution has to be logged separately.
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
Zeplo
Free- DeveloperFree
- 500 requests a month included
- $20 per additional 100,000 requests
- 1 team member
- Company$39/month
- 1,000,000 requests a month included
- $10 per additional million requests
- Up to 3 team members
- Enterprise$undefined/month
- Volume discounts
- Custom team size
- Support with SLA
Which should you pick?
Choose Zeplo if
- You need url prefix interface.
- You want to start without paying.
- You work on Web, Cloud.
- You also want retries with backoff.
Questions people ask
- Is Akoya or Zeplo better?
- Neither clearly leads. Akoya starts at On request and Zeplo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Zeplo?
- Zeplo has a free tier; the other does not. Paid plans start at On request for Akoya and Free for Zeplo.
- Does Akoya or Zeplo run on more platforms?
- Akoya runs on Web. Zeplo runs on Web, Cloud.
- Can I use Zeplo for free?
- Yes. Zeplo 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 Zeplo is typically brought in for.
- What can Akoya do that Zeplo cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Zeplo covers URL prefix interface, Retries with backoff, Delayed delivery, Cron scheduling.
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.
Zeplo: How does Zeplo work?
You prefix your endpoint URL with zeplo.to and add query parameters for retries, delay, cron or concurrency. No SDK or broker is needed.
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.
Zeplo: What does it cost?
Free for 500 requests a month; 39 US dollars a month for a million requests, then 10 dollars per additional million.
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.
Zeplo: Is it suitable for critical jobs?
It is a small vendor in your execution path with no published SLA below Enterprise, so weigh that against the convenience.
Akoya: Does it help with CFPB section 1033?
It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.
Zeplo: Does it work with serverless platforms?
Yes, that is its main use, covering Vercel, Cloudflare Workers, Netlify and similar environments that lack long-running workers.
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