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APIs · head to head

Codat vs Sanity

Codat logo

Codat

APIs

One API for small business accounting, banking and commerce data

From
On request
Rated
-
Full reviewWebsite
Sanity logo

Sanity

APIs

Headless CMS with real-time collaborative editing and structured content APIs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Sanity has a free tier, so it costs nothing to try first.
  • Each has a real cost: Codat the accounting platforms are metering developer access themselves, with Xero introducing tiered connection based developer pricing from 2 March 2026, so a cost you do not control has been inserted between you and the data and it scales with the number of customers you connect.; Sanity free plan limited to 10,000 documents and 100GB assets
  • They diverge on capability: Codat covers Normalised accounting API, Sanity covers Content API.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Codat and Sanity actually diverge.

Attributes where Codat and Sanity differ
AttributeCodatSanity
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsAPI, WebWeb
FoundedUnknown2011

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 Codat

  • Normalised accounting API
  • Banking and commerce data
  • Lending products
  • Write-back
  • Business verification
  • Supplier onboarding
  • Connection management
  • Data quality handling

Only in Sanity

  • Content API
  • Collaborative editing
  • Structured content
  • Webhooks
  • Third-party services
  • GROQ query language
  • Cloud support
  • JavaScript SDK support

What people use each for

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

Codat

  • A business lender that wants live ledger data for underwriting rather than a borrower emailing exported PDF accountsnot Sanity
  • A commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterlynot Sanity
  • A payment company verifying a merchant trading history before extending working capitalnot Sanity
  • A B2B platform writing bills and payments back into a customer accounting system so reconciliation happens automaticallynot Sanity

Sanity

  • Headless CMS for structured content managementnot Codat
  • Collaborative content editing with real-time multiplayer supportnot Codat
  • API-driven content delivery with GROQ query languagenot Codat

Where each one falls short

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

Codat

  • The accounting platforms are metering developer access themselves, with Xero introducing tiered connection based developer pricing from 2 March 2026, so a cost you do not control has been inserted between you and the data and it scales with the number of customers you connect.
  • Pricing is opaque and enterprise shaped for a product developers expect to evaluate technically first, so build decisions get made before anyone knows the unit economics.
  • Normalisation hides but does not remove the underlying differences between accounting systems, and edge cases in multi-currency, journals and tax handling surface as data quality problems that your team must reason about in each source system anyway.
  • Data quality depends on the small business keeping its books properly, so a lender using ledger data for underwriting inherits the bookkeeping standard of its worst borrower and needs its own validation layer regardless.
  • Connection breakage from expired tokens and platform API changes is an ongoing operational load, and a borrower whose connection lapses stops being monitored silently, which is the failure mode that matters most in a lending portfolio.

Sanity

  • Free plan limited to 10,000 documents and 100GB assets
  • Free plan supports only public datasets
  • Growth plan capped at 50 seats maximum
  • Private datasets, scheduled drafts, and comments/tasks require paid plans
  • Annual billing unavailable for Growth plan; Enterprise-only

Pricing, plan by plan

Codat

On request
  • Codat Platform$undefined/year
    • Priced by connected companies, data types and products
    • Lending and verification products priced above core data access
    • Annual enterprise agreements

Sanity

Free
  • FreeFree
    • Up to 20 seats
    • 2 public datasets only
    • 10,000 documents included
  • Growth$15/month
    • Up to 50 seats per seat
    • 2 private or public datasets
    • 25,000 documents included
  • Enterprise$null/month
    • Custom seats
    • Custom datasets
    • Custom document limits

Which should you pick?

Choose Codat if

  • You need normalised accounting api.
  • You work on API, Web.
  • You also want banking and commerce data.
Codat review

Choose Sanity if

  • You need content api.
  • You want to start without paying.
  • You also want collaborative editing.
Sanity review

Questions people ask

Is Codat or Sanity better?
Neither clearly leads. Codat starts at On request and Sanity at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Codat or Sanity?
Sanity has a free tier; the other does not. Paid plans start at On request for Codat and Free for Sanity.
Does Codat or Sanity run on more platforms?
Codat runs on API, Web. Sanity runs on Web.
Can I use Sanity for free?
Yes. Sanity has a free tier, so you can try it without paying. Codat starts at On request.
What is Codat best used for?
Codat is most often used for a business lender that wants live ledger data for underwriting rather than a borrower emailing exported pdf accounts, a commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterly, a payment company verifying a merchant trading history before extending working capital, a b2b platform writing bills and payments back into a customer accounting system so reconciliation happens automatically. Of those, a business lender that wants live ledger data for underwriting rather than a borrower emailing exported pdf accounts and a commercial bank monitoring covenant compliance across a portfolio of small business borrowers continuously rather than quarterly are not what Sanity is typically brought in for.
What can Codat do that Sanity cannot?
Codat covers Normalised accounting API, Banking and commerce data, Lending products, Write-back. Sanity covers Content API, Collaborative editing, Structured content, Webhooks.

Answered from the vendors’ own pages

Codat: What is changing with Xero in 2026?

Xero is introducing a tiered, usage based developer pricing model effective 2 March 2026, with tiers based on the number of customer connections an app holds. That is a new cost in the chain for anyone reading Xero data at scale, whether directly or through Codat.

Sanity: What does the Sanity Free plan include?

The Free plan includes up to 20 seats, 2 public datasets, 10,000 documents, 1 million API CDN requests per month, and 2 permission roles.

Source
Codat: Can Codat write data back?

Yes. It supports pushing bills, payments and journal entries into accounting systems, not only reading from them.

Sanity: How much does Sanity Growth plan cost per user?

The Growth plan costs $15 per seat per month, with up to 50 seats, and includes 25,000 documents, 1 million API CDN requests, and 5 permission roles.

Source
Codat: Is pricing published?

No. It is quoted by connected companies, data types and products, and users consistently describe it as opaque.

Sanity: What is included in Sanity Enterprise pricing?

Enterprise pricing is custom and requires contacting sales. It includes custom seat limits, custom datasets, Single Sign-On, and dedicated support.

Source
Codat: Does it replace bank data aggregation?

Not entirely. It covers banking alongside accounting and commerce, but lenders commonly run it beside a bank aggregator for transaction level cash flow.

Sanity: Does Sanity offer annual billing discounts?

Annual and invoice payment options are available exclusively for Enterprise customers. Self-serve plans (Free and Growth) use monthly billing only.

Source
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