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APIs · head to head

Ozone API vs Skyflow

Ozone API logo

Ozone API

APIs

Standards-compliant open banking API layer for banks and regulators

From
On request
Rated
-
Full reviewWebsite
Skyflow logo

Skyflow

APIs

Data privacy vault that holds sensitive records outside your own systems

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Ozone API it provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.; Skyflow reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.
  • They diverge on capability: Ozone API covers Multi-standard support, Skyflow covers Tokenised storage.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Ozone API and Skyflow actually diverge.

Attributes where Ozone API and Skyflow differ
AttributeOzone APISkyflow
PlatformsWeb, REST API, LinuxAPI, Web, Self-hosted

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 Ozone API

  • Multi-standard support
  • Consent management
  • Developer portal
  • Regulatory reporting
  • Premium API monetisation
  • Deployment flexibility

Only in Skyflow

  • Tokenised storage
  • Polymorphic encryption
  • Field level access policies
  • Data residency
  • Secure functions
  • PCI scope reduction
  • Detokenisation gateway
  • Audit trail

What people use each for

The jobs each tool is most often brought in to do.

Ozone API

  • A building society facing an open banking compliance deadline with no API team of its ownnot Skyflow
  • A bank operating in several jurisdictions that must satisfy different open banking standards at oncenot Skyflow
  • A regulator or standards body building national open finance infrastructurenot Skyflow
  • A bank wanting to sell premium APIs beyond the regulatory minimum without building entitlement plumbingnot Skyflow

Skyflow

  • A fintech that wants card and bank account data out of its own infrastructure so its application servers leave PCI DSS assessment scopenot Ozone API
  • A company entering India or the EU with data localisation obligations that would otherwise require standing up regional databases and operationsnot Ozone API
  • A health technology business that needs protected health information isolated from the analytics stack while still supporting aggregate reportingnot Ozone API
  • An engineering team that wants support agents to see masked identifiers and payment services to see real ones, enforced centrally rather than in every servicenot Ozone API

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Ozone API

  • It provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.
  • Value is driven by regulatory obligation, so an institution not under a mandate struggles to build a business case for the spend.
  • It is a small UK vendor selling to large regulated institutions, which raises procurement and vendor viability questions during bank due diligence.
  • Premium API monetisation is a genuine capability but few banks have found real demand, so revenue projections used to justify the purchase often do not materialise.
  • Standards evolve continuously and each revision means a change programme in your own systems, even where Ozone absorbs the specification work at the API edge.

Skyflow

  • Reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.
  • Every read of a protected field becomes a network call to a third party, so latency and an external availability dependency enter paths that were previously local database reads, and outage planning has to account for a vendor you do not control.
  • Analytics and joins on vaulted data are constrained; work that was a simple SQL join now happens through secure functions or on tokens, and data teams routinely discover this after the engineering team has committed.
  • Unwinding the vault later is a rewrite rather than a migration because tokens are threaded through every service, so the switching cost climbs steadily and the negotiating position at renewal weakens with each release.
  • Scope reduction is an architectural claim your own assessor must accept, so the audit saving is real only if the implementation genuinely keeps sensitive values off your systems, and partial implementations that leave a cache or a log line in place deliver the cost without the benefit.

Pricing, plan by plan

Ozone API

On request
  • Ozone API$undefined/year
    • Annual licence or managed service subscription, quoted
    • Scaling by institution size, standards in scope and API call volume
    • Implementation and core integration charged separately

Skyflow

On request
  • Skyflow Data Privacy Vault$undefined/year
    • Platform fee plus usage by data subject count
    • Priced additionally per data residency region
    • PCI Level 1, SOC 2 Type 2, ISO 27001 and HIPAA coverage

Which should you pick?

Choose Ozone API if

  • You need multi-standard support.
  • You work on Web, REST API, Linux.
  • You also want consent management.
Ozone API review

Choose Skyflow if

  • You need tokenised storage.
  • You work on API, Web, Self-hosted.
  • You also want polymorphic encryption.
Skyflow review

Questions people ask

Is Ozone API or Skyflow better?
Neither clearly leads. Ozone API starts at On request and Skyflow at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Ozone API or Skyflow?
Ozone API starts at On request and Skyflow at On request.
Does Ozone API or Skyflow run on more platforms?
Ozone API runs on Web, REST API, Linux. Skyflow runs on API, Web, Self-hosted.
What is Ozone API best used for?
Ozone API is most often used for a building society facing an open banking compliance deadline with no api team of its own, a bank operating in several jurisdictions that must satisfy different open banking standards at once, a regulator or standards body building national open finance infrastructure, a bank wanting to sell premium apis beyond the regulatory minimum without building entitlement plumbing. Of those, a building society facing an open banking compliance deadline with no api team of its own and a bank operating in several jurisdictions that must satisfy different open banking standards at once are not what Skyflow is typically brought in for.
What can Ozone API do that Skyflow cannot?
Ozone API covers Multi-standard support, Consent management, Developer portal, Regulatory reporting. Skyflow covers Tokenised storage, Polymorphic encryption, Field level access policies, Data residency.

Answered from the vendors’ own pages

Ozone API: Is this a competitor to Plaid or TrueLayer?

No, the opposite side. Ozone is bought by the bank exposing data; Plaid and TrueLayer consume it on behalf of third parties.

Skyflow: Does Skyflow really take my systems out of PCI scope?

It can, if card data never touches your infrastructure and the detokenisation happens at the boundary. Your QSA has to agree the design, so validate the architecture with your assessor before signing.

Ozone API: Does it connect to my core banking system?

It provides the standards-compliant API surface and adapters, but connecting your core is an integration project you scope separately.

Skyflow: What does it cost?

Nothing is published. Reported annual contracts sit around 195,000 US dollars, built from a platform fee plus usage by data subject count and additional charges per data residency region.

Ozone API: Which standards does it support?

UK Open Banking, Berlin Group, FDX, Consumer Data Right and Gulf regional standards, among others, from one platform.

Skyflow: How does it help with data localisation?

Records can be pinned to a specified region, so an Indian or EU residency requirement is met by the vault rather than by you running regional databases and operations teams.

Skyflow: Can I still run analytics on vaulted data?

Partly. Aggregates and comparisons are supported through polymorphic encryption and secure functions, but arbitrary joins against other datasets are harder than they were, and this is the most common late surprise.

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