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APIs · head to head

Backendless vs Treasury Prime

Backendless logo

Backendless

APIs

Visual app development platform with REST APIs and cloud backend

From
Free
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

  • Only Backendless has a free tier, so it costs nothing to try first.
  • Each has a real cost: Backendless free tier limited to 50 API requests per minute and 20 database tables; 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: Backendless covers REST API, Treasury Prime covers BankOS.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where Backendless and Treasury Prime differ
AttributeBackendlessTreasury Prime
Starting priceFreeOn request
Pricing modelUnknownquote
Free tierYesNo
PlatformsCloud, Visual builderAPI, Web
Founded2012Unknown

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 Backendless

  • REST API
  • Real-time database
  • Cloud code
  • Custom integrations
  • Webhooks
  • Cloud functions
  • Cloud support
  • Visual builder 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.

Backendless

  • API Developmentnot Treasury Prime
  • API Gatewaynot Treasury Prime
  • API Testingnot Treasury Prime
  • API Documentationnot Treasury Prime
  • Microservicesnot 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 Backendless
  • A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Backendless
  • A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Backendless
  • A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot Backendless

Where each one falls short

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

Backendless

  • Free tier limited to 50 API requests per minute and 20 database tables
  • Smaller community and integration ecosystem compared to Firebase or AWS
  • Customization beyond codeless tools requires developer expertise
  • Limited documentation for advanced use cases and edge cases

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

Backendless

Free
  • FreeFree
    • 50 API requests/minute
    • 20 database tables
    • 1 GB file storage
  • Scale Variable$15/month
    • Unlimited API requests/month
    • 100 database tables
    • 10 GB file storage
  • Scale Fixed$15/month
    • Same as Scale Variable
    • Fixed monthly pricing

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 Backendless if

  • You need rest api.
  • You want to start without paying.
  • You work on Cloud, Visual builder.
  • You also want real-time database.
Backendless 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 Backendless or Treasury Prime better?
Neither clearly leads. Backendless starts at Free and Treasury Prime at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Backendless or Treasury Prime?
Backendless has a free tier; the other does not. Paid plans start at Free for Backendless and On request for Treasury Prime.
Does Backendless or Treasury Prime run on more platforms?
Backendless runs on Cloud, Visual builder. Treasury Prime runs on API, Web.
Can I use Backendless for free?
Yes. Backendless has a free tier, so you can try it without paying. Treasury Prime starts at On request.
What is Backendless best used for?
Backendless is most often used for api development, api gateway, api testing, api documentation. Of those, api development and api gateway are not what Treasury Prime is typically brought in for.
What can Backendless do that Treasury Prime cannot?
Backendless covers REST API, Real-time database, Cloud code, Custom integrations. Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments.

Answered from the vendors’ own pages

Backendless: Does Backendless have a free tier?

Backendless Free plan ($0/month) includes 50 API requests per minute, 20 database tables, 1 GB file storage, 1 visualization, 2 security roles, and basic cloud code capabilities.

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.

Backendless: What features does the Scale plan include?

Scale plan ($15+/month) provides unlimited API requests per month, 100 database tables, 10 GB file storage, 5 visualizations, 10 custom API keys, daily backups, free SSL certificates, and 1,000 real-time connections.

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.

Backendless: Can I add more storage or increase API limits?

Yes, Backendless offers Function Packs ranging from $5-$399/month to increase specific limits such as storage, API requests, or security features.

Source
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.

Backendless: Does Backendless support offline functionality?

Backendless supports real-time sync and offline capabilities for mobile apps, allowing data to sync when connectivity is restored.

Source
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.

Backendless: Is Backendless Pro available for self-hosting?

Yes, Backendless Pro Community Edition is available under free licensing for core functionality. Managed Backendless is a paid option for self-hosted deployments with request-based pricing.

Source
Backendless: What are Backendless's integration limitations?

While Backendless supports many integrations, it has a smaller integration library compared to competitors. Finding solutions to edge cases or complex setups may require more development effort.

Source
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