# Envestnet | Yodlee vs Yapily

| Attribute | Envestnet | Yodlee | Yapily |
|---|---|---|
| **vioscaleAI score** | 55.8 (8% (low)) | 49.8 (55% (medium)) |
| content.faq | - | `[{"answer":"Yapily offers APIs and software development kits that enable applications to connect to Open Banking services and financial institutions. The platform provides libraries for multiple programming languages and supports Third Party Provider implementations. It is indexed under Fintech Infrastructure.","source":"https://www.yapily.com","question":"What is Yapily?","confidence":0.6},{"answer":"We have confirmed browser-based access to Yapily. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.yapily.com","question":"What platforms does Yapily support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Yapily, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.yapily.com/pricing/","question":"Can Yapily be self-hosted?","confidence":0.6},{"answer":"We have independently confirmed ISO 27001 and GDPR for Yapily. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Yapily not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.yapily.com/blog/how-yapily-approaches-compliance-in-open-banking/","question":"What security certifications does Yapily have?","confidence":0.7},{"answer":"Yapily is available in the United Kingdom, Germany, France, Sweden, Norway, Denmark and Finland. Its primary markets are the United Kingdom, Germany and France.","source":"https://www.yapily.com/pricing/","question":"Where is Yapily available?","confidence":0.75}]` |
| deployment.options | - | `{"cloud":true}` |
| description.long | A data aggregation and open banking platform that enables financial institutions, fintechs, and platforms to securely connect consumer and business accounts and access enriched financial intelligence. Yodlee provides account aggregation, transaction data, and analytics to power lending decisions, personalized services, and alternative credit assessment. | Yapily is an open banking platform that enables businesses to initiate real-time account-to-account payments and access financial data from consumer and business bank accounts via APIs. The platform offers white-label customization and infrastructure-level support suitable for fintechs, payment providers, and financial institutions. |
| features.capabilities | `{"capability":"data_aggregation","geo_coverage":"North America","target_segment":"enterprise","data_aggregation":true,"payments_acquiring":true}` | `{"capability":"payments","pci_dss_l1":false,"money_rails":"Bank transfers, A2A payments, VRP","card_issuing":false,"geo_coverage":"19+ European markets including UK, Germany, France, Nordic countries","baas_accounts":false,"sdk_languages":"Python, Node.js, Java, Dart","target_segment":"enterprise","soc_attestation":"none","data_aggregation":true,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 19,000 | 2,000 |
| integrations.list | `[{"name":"Advisor360°"},{"name":"IGG Software"},{"name":"PayPal"},{"name":"Norton","native":true,"category":"security","direction":"outbound"}]` | - |
| market.availability | `{"primaryMarkets":["AU","US"],"availabilityScope":"global","availableCountries":["AU","US"],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB","DE","FR"],"availabilityScope":"regional","availableCountries":["GB","DE","FR","SE","NO","DK","FI","NL"],"notAvailableCountries":[]}` |
| platform.support | - | `{"web":true}` |
| pricing.model | commercial | commercial |
| reliability.status_page | - | yes |
| security.certifications | - | `[{"name":"ISO 27001","status":"active"}]` |
| security.gdpr | yes | yes |
| security.iso27001 | - | yes |
| security.trust_center | https://www.yodlee.com/documentation/yodlee-credit-privacy-notice | https://www.yapily.com/blog/trustly-alternatives/ |

## Capabilities (Fintech Infrastructure)

| Capability | Envestnet | Yodlee | Yapily |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Data aggregation | Payments/acquiring |
| **Capabilities** |  |  |
| Payments / acquiring | ✓ | ✓ |
| Card issuing | - | ✗ |
| Banking-as-a-service / accounts | - | ✗ |
| Data aggregation / open banking | ✓ | ✓ |
| Payouts / disbursements | - | ✓ |
| Money movement rails (ACH, RTP, wire, card) | - | Bank transfers, A2A payments, VRP |
| **Coverage** |  |  |
| Multi-currency / cross-border | - | - |
| Geographic coverage (countries / regions) | North America | 19+ European markets including UK, Germany, France, Nordic countries |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | ✗ |
| SOC 1 / SOC 2 attestation | - | None / unknown |
| PSD2 / Open Banking licensed | - | ✓ |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | - | Python, Node.js, Java, Dart |
| **Pricing** |  |  |
| Pricing model | - | - |
| **Market** |  |  |
| Target segment | Enterprise | Enterprise |

*Source: vioscaleAI. Generated 2026-10-16T19:06:58.408Z. "-" = undocumented, not absent.*