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APIs · head to head

Aiia vs LiteLLM

Aiia logo

Aiia

APIs

Open banking and open finance API platform, now operating as Mastercard Open Banking

From
On request
Rated
-
Full reviewWebsite
LiteLLM logo

LiteLLM

APIs

The AI Gateway for platform teams

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only LiteLLM has a free tier, so it costs nothing to try first.
  • Each has a real cost: Aiia it is now part of Mastercard rather than an independent company, so a business specifically wanting to avoid card network dependency in its banking infrastructure no longer gets that separation by choosing Aiia.; LiteLLM enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Aiia and LiteLLM actually diverge.

Attributes where Aiia and LiteLLM differ
AttributeAiiaLiteLLM
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsWeb, APIWeb

Identical on both: user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Aiia

  • Bank account data access
  • Payment initiation
  • Mastercard Open Finance integration
  • Modern authentication support
  • Multi-country coverage
  • Developer documentation and sandbox

Only in LiteLLM

Nothing recorded that Aiia does not also cover.

What people use each for

The jobs each tool is most often brought in to do.

Aiia

  • A lending or credit product needing affordability checks via European bank account datanot LiteLLM
  • A personal finance or accounting product needing transaction history across Nordic and European banksnot LiteLLM
  • A payments product wanting account-to-account payment initiation under open banking regulationnot LiteLLM
  • A business wanting the stability and continued investment of Mastercard ownership behind its banking connectivity providernot LiteLLM

LiteLLM

  • Accessing 140+ LLM providers through single APInot Aiia
  • Implementing cost-based routing for advanced AI tasksnot Aiia
  • Deploying new LLM models usually within a daynot Aiia
  • Switching backend models with config changes onlynot Aiia
  • Maintaining consistent access across 100+ endpointsnot Aiia

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Aiia

  • It is now part of Mastercard rather than an independent company, so a business specifically wanting to avoid card network dependency in its banking infrastructure no longer gets that separation by choosing Aiia.
  • Pricing is not published and requires engaging Mastercard's open finance sales process, which can be a heavier sales motion than dealing with a smaller independent open banking provider.
  • Its strongest bank coverage remains concentrated in the Nordics and Northern Europe, so companies needing dense coverage in Southern or Eastern Europe should verify current bank connectivity before committing.
  • Brand confusion is real: developer documentation, login portals and older case studies still reference "Aiia" while newer Mastercard material refers to "Mastercard Open Banking," and a company researching either name in isolation may miss half the relevant material.
  • As with any open banking platform, reliability still depends on the consistency of the underlying banks' own APIs, which is a systemic industry issue rather than something Aiia specifically controls.

LiteLLM

  • Enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales
  • Not per-token based pricing for Enterprise tier

Pricing, plan by plan

Aiia

On request
  • Aiia Enterprise (Mastercard Open Banking)$undefined/year
    • Pricing not published, quote via Mastercard Open Finance sales

LiteLLM

Free
  • Open SourceFree
    • 100+ providers
    • One OpenAI API
    • Virtual keys
  • Enterprise$null/mo
    • All Open Source features
    • SSO + SCIM
    • OIDC/JWT authentication

Which should you pick?

Choose Aiia if

  • You need bank account data access.
  • You work on Web, API.
  • You also want payment initiation.
Aiia review

Choose LiteLLM if

  • You want to start without paying.
LiteLLM review

Questions people ask

Is Aiia or LiteLLM better?
Neither clearly leads. Aiia starts at On request and LiteLLM at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Aiia or LiteLLM?
LiteLLM has a free tier; the other does not. Paid plans start at On request for Aiia and Free for LiteLLM.
Does Aiia or LiteLLM run on more platforms?
Aiia runs on Web, API. LiteLLM runs on Web.
Can I use LiteLLM for free?
Yes. LiteLLM has a free tier, so you can try it without paying. Aiia starts at On request.
What is Aiia best used for?
Aiia is most often used for a lending or credit product needing affordability checks via european bank account data, a personal finance or accounting product needing transaction history across nordic and european banks, a payments product wanting account-to-account payment initiation under open banking regulation, a business wanting the stability and continued investment of mastercard ownership behind its banking connectivity provider. Of those, a lending or credit product needing affordability checks via european bank account data and a personal finance or accounting product needing transaction history across nordic and european banks are not what LiteLLM is typically brought in for.
What can Aiia do that LiteLLM cannot?
Aiia covers Bank account data access, Payment initiation, Mastercard Open Finance integration, Modern authentication support.

Answered from the vendors’ own pages

Aiia: Is Aiia still an independent company?

No, it was acquired by Mastercard in 2021 and now operates as part of Mastercard Open Finance Solutions, referenced as Aiia Enterprise.

LiteLLM: Is LiteLLM free to use?

Yes, LiteLLM's open-source version is free forever and requires no credit card. Self-host in minutes with support for 100+ LLM providers.

Source
Aiia: Does the Aiia brand still exist?

Yes, in developer documentation and login portals, but the company behind it is Mastercard.

LiteLLM: What does LiteLLM's Enterprise plan cost?

Enterprise pricing is custom and annual, sized based on your annual gateway request capacity, deployment architecture, and support needs. Not charged per token.

Source
Aiia: Which banks does it cover?

Around 3,000 European banks, with strongest coverage in the Nordics and Northern Europe.

LiteLLM: Is there a free trial for Enterprise?

Yes, a 30-day Enterprise trial key is available via email with no credit card required.

Source
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