Yodlee

Yodlee provides financial data aggregation and analytics through open finance APIs, sold by outcome rather than by endpoint: wealth management, business financial management, payment enablement and data intelligence, across retail banking, technology, lending and merchant payments.

Positioning around wealth management is what separates this from the developer facing aggregators. A wealth platform needs a household's complete asset picture including accounts held elsewhere, because advice given without visibility of the assets a client holds at another institution is advice given blind. That is a harder aggregation problem than a payments use case, requiring investment positions and cost basis rather than a balance and a transaction list.

Selling to the institution rather than to the developer follows from that, and the site reflects it, organised around industries and business outcomes instead of API references. The buyer is a bank product owner asking what this will let them offer, not an engineer comparing response formats.

Longevity matters in aggregation more than in most software. Coverage is built institution by institution over years and cannot be replicated quickly, which is the real asset behind any of these products, and the reason incumbents in this category are rarely displaced on features alone.