Akoya operates a tokenized, consumer-permissioned data-access network for US open finance, reaching 4,500+ financial institutions and powering 7,500+ apps and data recipients. It implements the Financial Data Exchange (FDX) API standard to replace screen-scraping with token-permissioned, OAuth 2.0 access to consumer financial data. The Akoya API surface is a 100% API-driven catalog organized into consumer data-access products — Accounts, Balances, Transactions, Investments (holdings and tax lots), Statements, Customers, Tax forms, and Payments (ACH/RTP payment networks) — plus a set of platform/service APIs for Consent, Apps Management, and Notifications. Consumers authenticate at their own financial institution's authorization server; data recipients exchange authorization codes for access tokens and call FDX-aligned REST endpoints. Documentation is published as OpenAPI 3.1.0 (rendered via the docs.akoya.com reference hub); Akoya's GitHub org ships Go code samples for the OAuth client-credentials, auth-code, and account-fetch flows. There is no publicly downloadable OpenAPI/Postman artifact — production access requires a network membership agreement.
Akoya publishes 11 APIs on the APIs.io network. Tagged areas include Fintech, Open Banking, Open Finance, Aggregator, and Data Access Network.
The Akoya catalog on APIs.io includes 1 event-driven AsyncAPI specification.
Akoya’s developer surface includes developer portal, documentation, support, pricing, engineering blog, API reference, getting-started guide, and 24 more developer resources.
FDX-aligned REST endpoints returning the list of a consumer's permissioned accounts and detailed account information (account identifiers, type, status, nickname, and product de...
Returns real-time and available balance information for a consumer's permissioned accounts across the Akoya network. Balances are exposed as FDX-aligned fields and are commonly ...
Retrieves transaction history for a consumer's permissioned accounts, returning FDX-aligned transaction records (amount, date, description, categorization, and status). Supports...
Provides FDX-aligned investment and brokerage account data for consumer-permissioned accounts, including holdings/positions and tax lots for wealth-management and investing use ...
Lists and retrieves account statements for a consumer's consented accounts, returning the set of available statements (period, type, and document reference) so recipients can ac...
Returns FDX-aligned customer/party information for the consumer who owns the permissioned accounts — name, contact details, and identity attributes — supporting identity verific...
Retrieves FDX-aligned tax documents for a consumer's permissioned accounts — 1099 form variants (1099-INT, 1099-DIV, 1099-B, and related) and associated tax data — so recipients...
Platform/service API for managing consumer consent grants across the Akoya network, letting data recipients look up and manage the consent records that authorize access to a con...
Platform/service API for creating and managing a data recipient's applications on the Akoya network — registering apps, managing client credentials and configuration, and admini...
Platform/service API for subscribing to and receiving operational notifications about the Akoya network, such as data-provider outages and availability events, delivered via web...
aid: akoya
url: https://raw.githubusercontent.com/api-evangelist/akoya/refs/heads/main/apis.yml
name: Akoya
kind: company
accessModel:
pricing: freemium
onboarding: unknown
trial: false
try_now: false
public: false
label: Freemium
confidence: medium
source:
- plans
generated: '2026-07-22'
method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/akoya.png
tags:
- Fintech
- Open Banking
- Open Finance
- Aggregator
- Data Access Network
- Tokenized
- Consumer-Permissioned
- FDX
- Account Aggregation
- United States
created: '2026-05-08'
modified: '2026-07-23'
specificationVersion: '0.19'
description: Akoya operates a tokenized, consumer-permissioned data-access network for US open finance, reaching 4,500+ financial
institutions and powering 7,500+ apps and data recipients. It implements the Financial Data Exchange (FDX) API standard
to replace screen-scraping with token-permissioned, OAuth 2.0 access to consumer financial data. The Akoya API surface is
a 100% API-driven catalog organized into consumer data-access products — Accounts, Balances, Transactions, Investments (holdings
and tax lots), Statements, Customers, Tax forms, and Payments (ACH/RTP payment networks) — plus a set of platform/service
APIs for Consent, Apps Management, and Notifications. Consumers authenticate at their own financial institution's authorization
server; data recipients exchange authorization codes for access tokens and call FDX-aligned REST endpoints. Documentation
is published as OpenAPI 3.1.0 (rendered via the docs.akoya.com reference hub); Akoya's GitHub org ships Go code samples
for the OAuth client-credentials, auth-code, and account-fetch flows. There is no publicly downloadable OpenAPI/Postman
artifact — production access requires a network membership agreement.
apis:
- aid: akoya:accounts-api
name: Akoya Accounts API
tags:
- Accounts
- Account Details
- FDX
- Open Finance
- Consumer-Permissioned
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://docs.akoya.com/reference/get-accounts
description: FDX-aligned REST endpoints returning the list of a consumer's permissioned accounts and detailed account information
(account identifiers, type, status, nickname, and product details) for the accounts a consumer has consented to share.
Supports a mode query parameter to return FDX-standardized data values. Sandbox routes resolve per data provider under
ddp.akoya.com (e.g. /accounts/v3/{provider} and /accounts-info/v3/{provider}); production is served from api.akoya.com.
Access uses OAuth 2.0 with consumer consent obtained at the data provider's own authorization server.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- FDX-aligned Accounts and Account Details resources
- OAuth 2.0 token-permissioned access
- mode=standard FDX-standardized values
- Sandbox routing per data provider
x-use-cases:
- Account opening and verification
- Personal financial management
- Business financial management
- aid: akoya:balances-api
name: Akoya Balances API
tags:
- Balances
- Accounts
- FDX
- Open Finance
- Consumer-Permissioned
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://akoya.com/products/balances
description: Returns real-time and available balance information for a consumer's permissioned accounts across the Akoya
network. Balances are exposed as FDX-aligned fields and are commonly combined with the Accounts and Transactions products
to power funding verification, lending decisioning, and personal financial management use cases. Access is OAuth 2.0 consumer-permissioned;
consent is captured at the consumer's financial institution and enforced by token scope.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- FDX-aligned balance fields
- Consumer-permissioned OAuth 2.0 access
x-use-cases:
- Funding and balance verification
- Lending and credit decisioning
- Personal financial management
- aid: akoya:transactions-api
name: Akoya Transactions API
tags:
- Transactions
- Accounts
- FDX
- Open Finance
- Consumer-Permissioned
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://docs.akoya.com/reference/get-transactions
description: Retrieves transaction history for a consumer's permissioned accounts, returning FDX-aligned transaction records
(amount, date, description, categorization, and status). Supports a mode query parameter to receive standardized FDX values
and pagination for longer histories. Transactions are one of Akoya's most-used data products, powering personal financial
management, lending, cash-flow underwriting, and business financial management. OAuth 2.0 consumer-permissioned access
with consent enforced by token scope.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/get-transactions
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- FDX-aligned transaction records
- mode=standard standardized values
- Paginated transaction history
x-use-cases:
- Cash-flow underwriting
- Personal financial management
- Lending and credit enhancement
- aid: akoya:investments-api
name: Akoya Investments API
tags:
- Investments
- Holdings
- Tax Lots
- Wealth
- FDX
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://akoya.com/products/investments
description: Provides FDX-aligned investment and brokerage account data for consumer-permissioned accounts, including holdings/positions
and tax lots for wealth-management and investing use cases. The taxlots endpoint returns cost-basis lot detail for permissioned
investment accounts. Data supports wealth aggregation, portfolio analysis, and advisor tooling. OAuth 2.0 consumer-permissioned
access at the data provider's authorization server.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/get-investments
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- FDX-aligned holdings and positions
- Tax lots / cost-basis detail
- Consumer-permissioned OAuth 2.0 access
x-use-cases:
- Wealth management and investing
- Portfolio aggregation and analysis
- aid: akoya:statements-api
name: Akoya Statements API
tags:
- Statements
- Documents
- Accounts
- FDX
- Open Finance
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://akoya.com/products/statements
description: Lists and retrieves account statements for a consumer's consented accounts, returning the set of available
statements (period, type, and document reference) so recipients can access official statement documents for permissioned
accounts. Used for lending documentation, account verification, and financial record retrieval. OAuth 2.0 consumer-permissioned
access enforced by consent scope.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- List of available account statements
- FDX-aligned statement metadata
x-use-cases:
- Lending documentation
- Financial record retrieval
- aid: akoya:customers-api
name: Akoya Customers API
tags:
- Customers
- Identity
- Contact
- FDX
- Consumer-Permissioned
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://akoya.com/products/customers
description: Returns FDX-aligned customer/party information for the consumer who owns the permissioned accounts — name,
contact details, and identity attributes — supporting identity verification, account opening, and KYC-adjacent flows.
Data is limited to what the consumer has consented to share and is scoped to the recipient's authorization. OAuth 2.0
consumer-permissioned access captured at the data provider's authorization server.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/get-customers
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- FDX-aligned customer/party data
- Contact and identity attributes
- Consumer-permissioned OAuth 2.0 access
x-use-cases:
- Identity verification
- Account opening and onboarding
- aid: akoya:payments-api
name: Akoya Payments API
tags:
- Payments
- ACH
- RTP
- Account Verification
- FDX
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://akoya.com/products/payments
description: Provides secure, consumer-permissioned access to ACH and real-time payment (RTP) account credentials — tokenized
account and routing identifiers (bankId, identifier, type, identifierType) — so recipients can verify accounts and authorize
account-to-account transfers without exposing raw account numbers. Enables instant account verification (removing micro-deposits)
and payment enablement. Aligned with FDX payment-network resources and delivered over OAuth 2.0 consumer-permissioned
access.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: ProductPage
url: https://akoya.com/products/payments
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- Tokenized ACH/RTP account credentials
- Instant account verification (no micro-deposits)
- FDX payment-network alignment
x-use-cases:
- Payment enablement / account-to-account transfers
- Account opening and verification
- aid: akoya:tax-api
name: Akoya Tax API
tags:
- Tax
- 1099
- Documents
- FDX
- Consumer-Permissioned
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://docs.akoya.com/reference/get-tax
description: Retrieves FDX-aligned tax documents for a consumer's permissioned accounts — 1099 form variants (1099-INT,
1099-DIV, 1099-B, and related) and associated tax data — so recipients such as tax-preparation software can ingest official
tax forms directly from the source institution. Data is limited to consented accounts and enforced by token scope. OAuth
2.0 consumer-permissioned access at the data provider's authorization server.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- FDX-aligned tax forms (1099 variants)
- Consumer-permissioned OAuth 2.0 access
x-use-cases:
- Tax preparation software
- Income and asset verification
- aid: akoya:consent-api
name: Akoya Consent API
tags:
- Consent
- Authorization
- OAuth
- Platform
- Open Finance
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://docs.akoya.com/docs/akoya-apis
description: Platform/service API for managing consumer consent grants across the Akoya network, letting data recipients
look up and manage the consent records that authorize access to a consumer's financial data. Consent is central to Akoya's
tokenized, permissioned model — it records what a consumer agreed to share, with whom, and for how long, and is enforced
on every data-access call. Uses service-token (client credentials) authentication.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: FDX Standard
url: https://financialdataexchange.org/
x-features:
- Consent record lookup and management
- Enforced on every data-access call
- Service-token (client credentials) auth
x-use-cases:
- Consent lifecycle management
- Data-access governance and revocation
- aid: akoya:apps-management-api
name: Akoya Apps Management API
tags:
- Apps Management
- Platform
- Developer
- OAuth
- Administration
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://docs.akoya.com/docs/akoya-apis
description: Platform/service API for creating and managing a data recipient's applications on the Akoya network — registering
apps, managing client credentials and configuration, and administering the app registrations used to obtain tokens and
call data-access products. Intended for recipient administrators rather than end-consumer data flows. Uses service-token
(client credentials) authentication.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: DeveloperPortal
url: https://docs.akoya.com/
x-features:
- Create and manage recipient applications
- Manage client credentials and configuration
- Service-token (client credentials) auth
x-use-cases:
- Application registration and lifecycle
- Recipient administration
- aid: akoya:notifications-api
name: Akoya Notifications API
tags:
- Notifications
- Webhooks
- Platform
- Outages
- Operations
- United States
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
baseURL: https://api.akoya.com
humanURL: https://docs.akoya.com/docs/akoya-apis
description: Platform/service API for subscribing to and receiving operational notifications about the Akoya network, such
as data-provider outages and availability events, delivered via webhook callbacks to registered subscriptions. Lets data
recipients react to provider status changes programmatically rather than polling. Uses service-token (client credentials)
authentication for subscription management; sandbox test triggers emit sample webhook payloads.
properties:
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: DeveloperPortal
url: https://docs.akoya.com/
x-features:
- Webhook notifications for outage/availability events
- Subscription management
- Sandbox test triggers with sample payloads
x-use-cases:
- Operational monitoring of data providers
- Automated failover and status handling
common:
- type: Website
url: https://akoya.com/
- type: Portal
url: https://akoya.com/
- type: DeveloperPortal
url: https://docs.akoya.com/
- type: Documentation
url: https://docs.akoya.com/reference/api-overview
- type: GitHubOrganization
url: https://github.com/akoya-llc
- type: LinkedIn
url: https://www.linkedin.com/company/akoyanetwork
- type: Support
url: https://akoya.com/contact
- type: Pricing
url: https://akoya.com/pricing
- type: TermsOfService
url: https://akoya.com/terms-of-use
- type: PrivacyPolicy
url: https://akoya.com/privacy-policy
- type: Security
url: https://akoya.com/security
- type: FDX Standard
url: https://financialdataexchange.org/
- type: TrustCenter
url: security/akoya-trust-center.yml
- type: DomainSecurity
url: security/akoya-domain-security.yml
- type: Plans
url: plans/akoya-plans-pricing.yml
- type: RateLimits
url: rate-limits/akoya-rate-limits.yml
- type: FinOps
url: finops/akoya-finops.yml
- type: Blog
url: https://akoya.com/blog
- type: APIReference
url: https://docs.akoya.com/reference/api-overview
- type: GettingStarted
url: https://docs.akoya.com/docs/getting-started
- type: ChangeLog
url: https://docs.akoya.com/changelog
- type: Login
url: https://recipient.ddp.akoya.com/login
- type: Authentication
url: authentication/akoya-authentication.yml
- type: Conventions
url: conventions/akoya-conventions.yml
- type: Sandbox
url: sandbox/akoya-sandbox.yml
- type: Lifecycle
url: lifecycle/akoya-lifecycle.yml
- type: Conformance
url: conformance/akoya-conformance.yml
- type: Compliance
url: https://akoya.com/security
- type: ErrorCatalog
url: errors/akoya-problem-types.yml
- type: Webhooks
url: asyncapi/akoya-notifications-webhooks.yml
- type: LLMsTxt
url: llms/akoya-llms.txt
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
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