Nango vs TrueLayer Data API

Nango provides infrastructure for building, running and maintaining integrations between products or AI agents and external APIs. It supports authentication, agent tools, webhooks, triggers and managed incremental data syncs, with a catalog listing more than 1,000 APIs. Integrations are built as code, with local development, CI/CD and multiple environments. Authentication options include OAuth 2.0, OAuth 1.0a, API keys, JWT, Basic auth and MCP auth. Nango manages token refresh, encrypts credentials in transit and at rest, and provides tenant isolation. Runtime features include resumable executions, retries, rate-limit handling, logs, metrics and alerts. The Free plan is free and has monthly caps of 10 connections, 10 compute hours and 10GB of data transfer. Pay-as-you-go costs $50 a month, includes $50 in monthly credits, and lists separate rates for connections, compute and data transfer. Self-hosting and custom connectors are supported. Nango says it does not currently offer EU-hosted cloud; Enterprise BYOC instances are available in AWS, GCP or Azure regions.

TrueLayer Data API gives applications access to identity, account, transaction and balance data for integrated banks through a single interface. Account details may include the holder’s name, account number and IBAN; card data may include the network, last four digits and name on card, with balances and transactions available at card level. Listed uses include account verification and aggregation, affordability checks, rewards and insights, and money management. TrueLayer offers a customizable user journey or a custom authentication flow for regulated customers. Non-regulated customers and agents of TrueLayer customers must use the customizable flow. Documentation lists client libraries for Node.js, Python, Java and .NET, as well as web and mobile SDKs and hosted payment-page options. The free Sandbox plan uses mock data and has no production access. Production pricing is based on volume and use case; access requires a registered business or commercial entity, a signed commercial agreement and KYB/KYC. TrueLayer requires HTTPS and says data is encrypted at rest and in transit. Identical API requests are cached for one hour, and persistently unreasonable request volumes may be throttled or blocked. The company is headquartered in London and was founded in 2016.