There are ~10k depository institutions in the US. Maybe 20 of the largest offer OAuth connections (look at the list of FDX members for a good proxy).

Plaid, Finicity, and Yodlee all purport to support both those direct connections with big banks and the long tail of smaller banks and credit unions. It reads like Stripe has built some direct connections (where possible) and is wrapping other providers for everyone else. That is also, as I understand it, what MX does.

https://financialdataexchange.org/FDX/The-Consortium/Members...

What makes you say there are no real alternatives? Yodlee and Finicity were both around long before plaid. MX is newer.

Asking out of a genuine interest in which aggregator people with experience find is best in terms of connection stability, data quality, and coverage.

MX has the best stability and connections.

Plaid tends to be better for Payments and early stage fintechs.

Yodlee for investments.

Yodlee is the lesser evil here... it still disconnects accounts frequently and data is only pulled every ~12 hours.

I'm the co-founder of Realize (https://realizefi.com/), we tried using all of these APIs for our first app and found them to be super broken. Our API uses a mix of brokerages public and private APIs, which allows us to provide reliable connections and pull data in real time.

Yodlee is not the lesser evil. I have read through privacy and contracts from Yodlee, Plaid, and MX in the past.

MX as a company, are the real good guys. There is no packaging of data for third party use that has ever occurred. In fact, I'm looking through due diligence packages from MX right now and I can confirm what I am saying.

Yodlee was caught. Plaid was caught. I do not yet know about Finicity.

I was more so referring to the quality of the account connections (frequency, reliability, amount of data pulled, etc.)

I don't think any of them are actually evil!

Does anyone have a view on whether Finicity, MX, Yodlee, or anyone else does a better job with commercial/SMB bank accounts?