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APIs · head to head

Akana vs Treasury Prime

Akana logo

Akana

APIs

Enterprise API lifecycle management platform

From
$2500/monthly
Rated
-
Full reviewWebsite
Treasury Prime logo

Treasury Prime

APIs

Banking as a service platform sold to sponsor banks rather than to fintechs

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Akana owned by Perforce and sold within their portfolio rather than independently, and akana.com redirects to perforce.com; Treasury Prime a fintech cannot buy Treasury Prime directly since the 2024 pivot, so the sales process starts with finding a sponsor bank willing to take your programme, which adds months and removes most of your negotiating leverage on fees.
  • They diverge on capability: Akana covers API Lifecycle Management, Treasury Prime covers BankOS.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Akana and Treasury Prime actually diverge.

Attributes where Akana and Treasury Prime differ
AttributeAkanaTreasury Prime
Starting price$2500/monthlyOn request
Pricing modelsubscriptionquote
PlatformsCloud, On-premise, HybridAPI, Web
Founded2001Unknown

Identical on both: free tier (No), 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 Akana

  • API Lifecycle Management
  • API Security
  • Governance Controls
  • OAuth
  • SAML
  • LDAP
  • Active Directory
  • Cloud support

Only in Treasury Prime

  • BankOS
  • OneKey Banking
  • Deposit accounts
  • Payments
  • Card issuing
  • Bank oversight tooling
  • Ledger and reconciliation
  • Programme onboarding

What people use each for

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

Akana

  • API lifecycle management across REST, SOAP and GraphQLnot Treasury Prime
  • Applying OAuth, JWT and SAML policies at the gatewaynot Treasury Prime
  • Running the same platform on-premises, in Kubernetes or across cloudsnot Treasury Prime
  • Developer portal and API monetisationnot Treasury Prime
  • Monitoring API traffic and enforcing quotasnot Treasury Prime

Treasury Prime

  • A community or regional bank that wants to run an embedded finance line with examiner-acceptable oversight of its fintech programmesnot Akana
  • A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Akana
  • A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Akana
  • A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot Akana

Where each one falls short

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

Akana

  • Owned by Perforce and sold within their portfolio rather than independently, and akana.com redirects to perforce.com
  • Pricing is not published; only a 30 day trial is offered

Treasury Prime

  • A fintech cannot buy Treasury Prime directly since the 2024 pivot, so the sales process starts with finding a sponsor bank willing to take your programme, which adds months and removes most of your negotiating leverage on fees.
  • Commercial terms including minimum deposit balances, reserve requirements and per transaction pricing are set by the bank rather than the platform, so two fintechs on the same software can face materially different economics with no public benchmark.
  • The company cut roughly half its staff in the 2024 pivot, which reduced the teams that supported fintech customers directly and left fintechs relying on their bank for support rather than on the vendor who wrote the software.
  • Bank risk appetite is now the binding constraint, and after the Synapse failure sponsor banks decline programmes in higher risk categories that a middleware provider would once have onboarded, so some business models simply cannot get placed.
  • If your sponsor bank exits the programme or is told by its regulator to reduce fintech exposure, you are migrating your entire deposit base to another institution, and the software being the same at both ends does not make that a small project.

Pricing, plan by plan

Akana

$2500/monthly
  • Professional$2500/monthly
    • API Gateway
    • Developer Portal
    • Basic analytics
  • Enterprise$5000/monthly
    • Advanced governance
    • Multi-cloud support
    • Premium support
  • Custom$undefined/monthly
    • Custom solutions
    • Dedicated support
    • SLA guarantee

Treasury Prime

On request
  • BankOS$undefined/year
    • Sold to sponsor banks, not directly to fintechs
    • Fintech commercial terms are set by the sponsor bank
    • Minimum deposits, reserves and per transaction fees vary by bank

Which should you pick?

Choose Akana if

  • You need api lifecycle management.
  • You work on Cloud, On-premise, Hybrid.
  • You also want api security.
Akana review

Choose Treasury Prime if

  • You need bankos.
  • You work on API, Web.
  • You also want onekey banking.
Treasury Prime review

Questions people ask

Is Akana or Treasury Prime better?
Neither clearly leads. Akana starts at $2500/monthly and Treasury Prime at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Akana or Treasury Prime?
Akana starts at $2500/monthly and Treasury Prime at On request.
Does Akana or Treasury Prime run on more platforms?
Akana runs on Cloud, On-premise, Hybrid. Treasury Prime runs on API, Web.
What is Akana best used for?
Akana is most often used for api lifecycle management across rest, soap and graphql, applying oauth, jwt and saml policies at the gateway, running the same platform on-premises, in kubernetes or across clouds, developer portal and api monetisation. Of those, api lifecycle management across rest, soap and graphql and applying oauth, jwt and saml policies at the gateway are not what Treasury Prime is typically brought in for.
What can Akana do that Treasury Prime cannot?
Akana covers API Lifecycle Management, API Security, Governance Controls, OAuth. Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments.

Answered from the vendors’ own pages

Akana: What does Akana API Platform include?

Akana provides mediation and integration capabilities for creating easy-to-consume API products from API code, with features for API governance, security, and operational management.

Source
Treasury Prime: Can a fintech buy Treasury Prime directly?

No. Since the 2024 pivot it sells to banks. A fintech contracts with a sponsor bank running BankOS, and the bank sets the terms.

Akana: How does Akana help secure APIs?

Akana addresses the security challenges that come with more APIs and more endpoints, providing tools for enterprise API governance and compliance management.

Source
Treasury Prime: Why did it change model?

Regulatory pressure on the tri-party middleware structure, sharpened by the Synapse failure. Examiners want the bank holding the customer contract and the oversight obligation, which is what bank-direct means.

Treasury Prime: What is OneKey Banking?

A way of spreading deposits across several banks in the network, used for FDIC coverage above a single institution limit and for resilience if one bank exits.

Treasury Prime: Is pricing published?

No, at neither the bank nor the fintech level. Fintech economics are set by the sponsor bank, so expect wide variation.

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