mtrap

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.

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