# Akoya

**Canonical:** https://apis.io/providers/akoya/  
**Website:** https://akoya.com/  
**APIs profiled:** 11

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.

## Kin Score — 54.4 / 100 (strong)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 54.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 45.1 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 42.1 |
| Developer Ergonomics | 64.3 |
| Commercial Clarity | 67.1 |
| Access Clarity | 67.1 |

Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags).

## Agent readiness — 35.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: medium).

## APIs (11)

- **Akoya Accounts API** — 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...
- **Akoya Balances API** — 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 ...
- **Akoya Transactions API** — Retrieves transaction history for a consumer's permissioned accounts, returning FDX-aligned transaction records (amount, date, description, categorization, and status). Supports...
- **Akoya Investments API** — Provides FDX-aligned investment and brokerage account data for consumer-permissioned accounts, including holdings/positions and tax lots for wealth-management and investing use ...
- **Akoya Statements API** — 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...
- **Akoya Customers API** — Returns FDX-aligned customer/party information for the consumer who owns the permissioned accounts — name, contact details, and identity attributes — supporting identity verific...
- **Akoya Payments API** — Provides secure, consumer-permissioned access to ACH and real-time payment (RTP) account credentials — tokenized account and routing identifiers (bankId, identifier, type, ident...
- **Akoya Tax API** — 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...
- **Akoya Consent API** — 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...
- **Akoya Apps Management API** — 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...
- **Akoya Notifications API** — 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...

## Security (3)

- **Akoya Authentication** — oauth2 · 2 schemes
- **Akoya Domain Security** — TLSv1.3 · HSTS · DMARC
- **Akoya Trust Center** — SOC 2 Type 2, FIPS 140

## Plans (1)

- **Akoya Plans Pricing**

## Tags

Fintech, Open Banking, Open Finance, Aggregator, Data Access Network, Tokenized, Consumer-Permissioned, FDX, Account Aggregation, United States

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/akoya/). Scores are computed from the provider's own public artifacts under a published rubric.