# Akoya Bank-owned API network for consumer-permissioned account and holdings data. No scraping. *https://stockmarketstack.com/tools/akoya · Brokerage Account Aggregation APIs* ## Facts ### At a glance | Field | Value | | --- | --- | | Vendor | Akoya | | Category | Brokerage Account Aggregation APIs | | Job | aggregation | | Website | https://akoya.com | | Pricing model | subscription | | Free tier | false | | Open source | false | | Licence | none | | Self-hosted | false | | Tested hands-on | false | | Last updated | 2026-09-13 | ### Pricing | Tier | USD | Period | | --- | --- | --- | | Standard | on request | month | | Enterprise | on request | month | ### Coverage | Field | Value | | --- | --- | | Asset classes | stocks, mutual_funds, bonds, options | | Markets | us | | Works outside the US | false | | Data latency | none | | Platforms | web | | AI features | none | ### Interfaces | Field | Value | | --- | --- | | API | true | | Webhooks | true | | Scripting | none | | Python | false | | Spreadsheet add-in | false | | MCP server | false | | Export | json | ### Capabilities Yes: broker_import No: charting, screening, scanning, backtesting, automation, live_trading, paper_trading, portfolio_tracking, tax_reporting, alerts, news, options_analysis *Verified: pricing 2026-09-13; capabilities 2026-09-13; coverage 2026-09-13.* ## What it is Akoya is a data access network, not an aggregator you sign up to on a Tuesday afternoon. Banks and brokerages join as data providers, fintechs and wealth platforms as data recipients, and Akoya sits between them with one OAuth flow, one agreement and one set of FDX-shaped endpoints. It was spun out of FMR LLC, Fidelity's parent, in February 2020 and is jointly owned by Fidelity, The Clearing House and eleven banks including JPMorgan Chase, Bank of America, Citi and Wells Fargo. The ownership is the product: it explains who joins, and why the network is API-only — the owners are the institutions that wanted screen scraping to stop. Access is OIDC token-based, the consumer authenticates at their own institution inside the recipient's consent flow, and nothing credential-shaped reaches the recipient. ## Pricing Quote-only, and unusually blank about it. The page is headed "Transparent pricing for every stage of growth" and prints no number: Standard covers under 10,000 monthly connections, Enterprise starts at 10,000 and is "custom pricing", and a set-up fee may apply depending on the integration. The free sandbox is genuinely self-service — no sales call — but it is a demo environment, not a free tier: the data comes from Mikomo Financial, a mock provider. Going live means an onboarding questionnaire, a security review (a SOC 2 report, or a questionnaire) and a data access agreement signed via DocuSign. ## Data & coverage Six API products — Accounts & Investments, Balances, Transactions, Customers, Payments and Statements — plus a Tax API still marked beta. Investment payloads carry holdings with typed security objects for stocks, mutual funds, debt and options, an `assetClasses` percentage breakdown, open orders, contributions, vesting and equity grants, and a `taxlots` endpoint with cost basis. Prices arrive as `marketValue` at the time of retrieval — the provider's valuation, not a market feed. US only. Akoya's fintech page names Bank of America, Capital One, Chase, Citibank, Fidelity, PNC, TD Bank, U.S. Bank and Wells Fargo, plus core processors Fiserv and Jack Henry reaching community banks and credit unions. Fidelity is the anchor brokerage; the rest is banks and their wealth arms. Treat the headline counts loosely — 4,500+ institutions on the home page, 4,300+ on the fintech page — while the docs' data dictionary covers element support for ten providers and two core providers. ## Integrations REST over OAuth 2, webhooks for notifications, and a Data Recipient Hub console for registering apps, browsing the live provider directory and reading per-provider implementation notes. There is no maintained client library: the Python and Java SDK repositories search results point at return 404, the docs list none, and `pip install akoya` fetches a 2.6 KB 0.0.1 placeholder from December 2025 with no description and no dependencies. What the vendor publishes openly is three small Go samples. ## Limitations - No published price at any volume, and no way to estimate one from the site. - No production access without a company that can pass a security review and sign a commercial agreement. Whatever the sandbox suggests, this is unusable for a personal project. - A provider that has not joined is unreachable, and there is no scraping fallback. The provider directory also sits behind the Hub login, so you cannot check a broker before you have an account. - Read-only. No order placement, no rebalancing; Payments is ACH credentials, not execution. - No market data, and holding prices are whatever the institution reports. - The regulatory ground is moving. The CFPB's 2024 Section 1033 rule was preliminarily enjoined on 29 October 2025 (E.D. Ky.) and the replacement proposal, still unpublished on 13 September 2026, went to OIRA on 6 August. It is expected to let data providers charge for access — a price on the thing Akoya intermediates. ## Alternatives [SnapTrade](https://stockmarketstack.com/tools/snaptrade) is the opposite end of the same category: brokerage-focused, self-serve, and willing to sell to a two-person shop. [Plaid Investments](https://stockmarketstack.com/tools/plaid-investments), [MX](https://stockmarketstack.com/tools/mx), [Mastercard Open Finance](https://stockmarketstack.com/tools/mastercard-open-finance) and [Yodlee](https://stockmarketstack.com/tools/yodlee) reach institutions Akoya cannot, because some of that reach is still scraped. Refusing to scrape is a security property and a coverage ceiling at once. ## FAQ ### Can an individual developer get an Akoya API key? A sandbox key, yes — signup is self-service, free and needs no sales call, but it returns test data from a mock provider called Mikomo Financial. Production access is a different thing entirely — an onboarding questionnaire, a security and risk review (SOC 2 report or a security questionnaire) and a data access agreement signed through DocuSign. A hobby project does not clear that. ### Does Akoya cover brokerage accounts or only bank accounts? Both, and investments are a first-class product rather than an afterthought. The Investments API returns holdings with per-security detail, an asset-class percentage breakdown, open orders, contributions, vesting schedules and equity grants, plus a separate tax-lot endpoint with cost basis. Fidelity is the anchor brokerage; most of the rest of the named network is banks and their wealth arms. ### What does Akoya cost? Nothing is published. The pricing page splits customers into Standard (under 10,000 monthly connections) and Enterprise (10,000 and above, custom pricing) and prints no dollar figure at either, adding only that a set-up or implementation fee may apply depending on the integration. ### Does the CFPB open banking rule require banks to be on Akoya? No, and as of 13 September 2026 it does not require much of anything. The 2024 Section 1033 rule was preliminarily enjoined on 29 October 2025 in the Eastern District of Kentucky, the CFPB opened a replacement rulemaking, and the replacement proposal went to OIRA for review on 6 August 2026 without being published. Akoya membership has always been commercial, not compulsory. ## Also worth comparing - [MX](https://stockmarketstack.com/tools/mx.md) — Bank-grade aggregation API with investment holdings billed as its own product. - [Plaid Investments](https://stockmarketstack.com/tools/plaid-investments.md) — Read-only holdings, cost basis and investment transactions from 3,200 brokerages. - [Wealthica Business](https://stockmarketstack.com/tools/wealthica-business.md) — Canadian wealth aggregation — 125 published providers, positions, transactions, CUSIP. - [Yodlee](https://stockmarketstack.com/tools/yodlee.md) — Long-running aggregation platform whose holdings carry CUSIP, ISIN and SEDOL. - [Mastercard Open Finance](https://stockmarketstack.com/tools/mastercard-open-finance.md) — The old Finicity API under Mastercard's name, with holdings on the account object. - [SnapTrade](https://stockmarketstack.com/tools/snaptrade.md) — One API for reading brokerage holdings and placing orders at supported brokers.