VOL. XCIV, NO. 247

★ FINANCIAL TOOLS & SERVICES DIRECTORY ★

PRICE: 5 CENTS

Tuesday, October 28, 2025

Tool Comparison

Fintool vs OTC Markets comparison

Compare pricing, supported platforms, categories, and standout capabilities to decide which tool fits your workflow.

Quick takeaways

Fintool adds Transcripts, Financials, Watchlist, AI Chat, AI Report, and AI Earnings Summary coverage that OTC Markets skips.

OTC Markets includes Order Book / Level II, News, Ticker Changes, Splits, Dividends, and Regulatory Filings Monitoring categories that Fintool omits.

OTC Markets keeps a free entry point that Fintool lacks.

In depth comparison

Fintool

fintool.com

Hands-on review

AI-powered research platform combining SEC filings, earnings transcripts, and financial data with natural-language querying. Two tiers: Regular includes unlimited queries, filings and transcripts, advanced screening, real-time market data, and up to 5 user seats. Enterprise adds API access, private-data connectors, and enterprise-grade security. A 14-day free trial is available.

Platforms

WebAPI

Pricing

Subscription

Quick highlights

Natural-language answers backed by SEC filings, earnings calls, and financial data, always with citations.
Built-in company screener and watchlists, plus workflow tools and sharable watchlists.
Public REST API (v2) with API key authentication, supporting chat endpoints and optional streaming via Server-Sent Events.
Plan structure: Regular plan covers unlimited queries, filings, transcripts, advanced screening, real-time data, and 5 seats; Enterprise adds API access, private-data integrations, and enhanced security. A free 14-day trial is included.
Enterprise-grade private data handling: connectors for SharePoint, OneDrive, and Google Drive; role-based access control, audit logs, SIEM export, and IDP integrations (Okta, Azure AD, Google Workspace). Vendor promises no training on customer data; AES-256 at rest and TLS 1.2+ in transit.

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OTC Markets

otcmarkets.com

Primary operator and market data source for U.S. OTC equities via OTC Link ATS/ECN/NQB (SEC‑regulated ATSs). Commercial data products include Real‑Time Level 1+ (inside quote & trades), Level 2+ (full quote book with MPIDs), 15‑minute delayed Level 1+, End‑of‑Day, reference/security master, and compliance datasets (Blue Sky, Promotion/CE, Compliance Analytics). Delivery options include real‑time multicast feeds, SFTP/FTP files, and a REST Disclosure API. Website provides delayed quotes, corporate actions, screeners and issuer news (DNS).

Platforms

WebAPI

Pricing

FreeSubscription

Quick highlights

Real‑Time Level 1+ (inside bid/offer + trades) and Level 2+ (full quote book with market participant IDs) data products; Delayed Level 1+ on a 15‑minute basis; End‑of‑Day snapshots.
Level 2 quote montage specification (fields: MPID, price, QAP, size, time‑of‑update) and display requirements.
Reference & pricing files (security master with optional CUSIP), plus End‑of‑Day pricing files; secure SFTP delivery supported.
Disclosure API (REST, JSON/CSV/XML) with app‑key auth; filter by symbol/CUSIP/company; document retrieval; plan‑level rate‑limit guidance.
Compliance & regulatory data: Blue Sky Data (state eligibility monitoring), Promotion Data file (Caveat Emptor/tier/share data), and Compliance Analytics (multi‑factor risk scoring).

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Where they differ

Fintool

Distinct strengths include:

Transcripts Financials Watchlist AI Chat AI Report AI Earnings Summary

Natural-language answers backed by SEC filings, earnings calls, and financial data, always with citations.
Built-in company screener and watchlists, plus workflow tools and sharable watchlists.
Public REST API (v2) with API key authentication, supporting chat endpoints and optional streaming via Server-Sent Events.
Plan structure: Regular plan covers unlimited queries, filings, transcripts, advanced screening, real-time data, and 5 seats; Enterprise adds API access, private-data integrations, and enhanced security. A free 14-day trial is included.

OTC Markets

Distinct strengths include:

Order Book / Level II News Ticker Changes Splits Dividends Regulatory Filings Monitoring

Real‑Time Level 1+ (inside bid/offer + trades) and Level 2+ (full quote book with market participant IDs) data products; Delayed Level 1+ on a 15‑minute basis; End‑of‑Day snapshots.
Level 2 quote montage specification (fields: MPID, price, QAP, size, time‑of‑update) and display requirements.
Reference & pricing files (security master with optional CUSIP), plus End‑of‑Day pricing files; secure SFTP delivery supported.
Disclosure API (REST, JSON/CSV/XML) with app‑key auth; filter by symbol/CUSIP/company; document retrieval; plan‑level rate‑limit guidance.

Feature-by-feature breakdown

Attribute	Fintool	OTC Markets
Categories Which research workflows each platform targets	Shared: Screeners, Data APIs, APIs & SDKs Unique: Transcripts, Financials, Watchlist, AI Chat, AI Report, AI Earnings Summary	Shared: Screeners, Data APIs, APIs & SDKs Unique: Order Book / Level II, News, Ticker Changes, Splits, Dividends, Regulatory Filings Monitoring
Asset types Supported asset classes and universes	Stocks	Stocks, Bonds
Experience levels Who each product is built for	Beginner, Intermediate, Advanced	Beginner, Intermediate, Advanced
Platforms Where you can access the product	Web, API	Web, API
Pricing High-level pricing models	Subscription	Free, Subscription
Key features Core capabilities called out by each vendor	Unique Natural-language answers backed by SEC filings, earnings calls, and financial data, always with citations. Built-in company screener and watchlists, plus workflow tools and sharable watchlists. Public REST API (v2) with API key authentication, supporting chat endpoints and optional streaming via Server-Sent Events. Plan structure: Regular plan covers unlimited queries, filings, transcripts, advanced screening, real-time data, and 5 seats; Enterprise adds API access, private-data integrations, and enhanced security. A free 14-day trial is included. Enterprise-grade private data handling: connectors for SharePoint, OneDrive, and Google Drive; role-based access control, audit logs, SIEM export, and IDP integrations (Okta, Azure AD, Google Workspace). Vendor promises no training on customer data; AES-256 at rest and TLS 1.2+ in transit. Workflow templates like 'Draft an Earnings Memo with AI', integrated charting, and collaborative sharing controls.	Unique Real‑Time Level 1+ (inside bid/offer + trades) and Level 2+ (full quote book with market participant IDs) data products; Delayed Level 1+ on a 15‑minute basis; End‑of‑Day snapshots. Level 2 quote montage specification (fields: MPID, price, QAP, size, time‑of‑update) and display requirements. Reference & pricing files (security master with optional CUSIP), plus End‑of‑Day pricing files; secure SFTP delivery supported. Disclosure API (REST, JSON/CSV/XML) with app‑key auth; filter by symbol/CUSIP/company; document retrieval; plan‑level rate‑limit guidance. Compliance & regulatory data: Blue Sky Data (state eligibility monitoring), Promotion Data file (Caveat Emptor/tier/share data), and Compliance Analytics (multi‑factor risk scoring). Coverage of OTC Link ATS via MIC 'OTCM'; OTC Link ATS/ECN/NQB each operate as SEC‑regulated ATSs.
Tested Verified by hands-on testing inside Find My Moat	Yes	Not yet
Editor pick Featured inside curated shortlists	Standard listing	Standard listing

Frequently Asked Questions

Which workflows do Fintool and OTC Markets both support?

Both platforms cover Screeners, Data APIs, and APIs & SDKs workflows, so you can research those use cases in either tool before digging into the feature differences below.

Which tool offers a free plan?

OTC Markets offers a free entry point, while Fintool requires a paid subscription. Review the pricing table to see how the paid tiers compare.

How can you access Fintool and OTC Markets?

Both Fintool and OTC Markets prioritize web or desktop access. Investors wanting a mobile-first workflow may need to rely on responsive web views.

What unique strengths set the two platforms apart?

Fintool differentiates itself with Natural-language answers backed by SEC filings, earnings calls, and financial data, always with citations., Built-in company screener and watchlists, plus workflow tools and sharable watchlists., and Public REST API (v2) with API key authentication, supporting chat endpoints and optional streaming via Server-Sent Events., whereas OTC Markets stands out for Real‑Time Level 1+ (inside bid/offer + trades) and Level 2+ (full quote book with market participant IDs) data products; Delayed Level 1+ on a 15‑minute basis; End‑of‑Day snapshots., Level 2 quote montage specification (fields: MPID, price, QAP, size, time‑of‑update) and display requirements., and Reference & pricing files (security master with optional CUSIP), plus End‑of‑Day pricing files; secure SFTP delivery supported..

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