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No-Code · head to head

Draftbit vs Toqio

Draftbit logo

Draftbit

No-Code

Visual builder for React Native apps that exports the source code you keep

From
Free
Rated
-
Full reviewWebsite
Toqio logo

Toqio

APIs

No code platform for building embedded finance products on your own providers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Draftbit has a free tier, so it costs nothing to try first.
  • Each has a real cost: Draftbit export is one way; once a developer edits the exported React Native project those changes cannot be returned to the visual builder, so the team must pick a handover moment and accept that the visual tooling stops applying from then on.; Toqio toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • They diverge on capability: Draftbit covers React Native source export, Toqio covers No code product builder.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Draftbit and Toqio actually diverge.

Attributes where Draftbit and Toqio differ
AttributeDraftbitToqio
Starting priceFreeOn request
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb, iOS, Android, API
CategoryNo-CodeAPIs

Identical on both: pricing model (quote), user rating (Not yet rated).

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 Draftbit

  • React Native source export
  • Component library
  • Any REST API as a data source
  • Live device preview
  • Custom code blocks
  • Theming
  • Service connectors
  • Team collaboration

Only in Toqio

  • No code product builder
  • Provider orchestration
  • Account and card modules
  • Embedded financing
  • Back office tooling
  • Multi entity and multi brand
  • White label mobile apps
  • Marketplace of providers

What people use each for

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

Draftbit

  • Shipping a first mobile version quickly with a deliberate plan to hand it to engineers laternot Toqio
  • Agencies building client apps where the contract requires source code as a deliverablenot Toqio
  • Teams that have a designer and a backend but no mobile engineernot Toqio
  • Prototyping a native app against a real API rather than building a clickable mockupnot Toqio

Toqio

  • A manufacturer offering branded working capital finance to its dealer networknot Draftbit
  • A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot Draftbit
  • A corporate that wants to switch card issuer without rebuilding its customer facing productnot Draftbit
  • A group launching the same embedded finance product across several markets with different local providersnot Draftbit

Where each one falls short

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

Draftbit

  • Export is one way; once a developer edits the exported React Native project those changes cannot be returned to the visual builder, so the team must pick a handover moment and accept that the visual tooling stops applying from then on.
  • There is no bundled backend or database, so the real stack is Draftbit plus a service such as Supabase or Xano, and the cost and operational burden of that second system falls on you.
  • The output is mobile only with no web application target, so any product that also needs a browser version needs a second tool and a second build to maintain.
  • It is built on Expo, so native modules outside what Expo supports require ejecting and native build tooling, which is exactly the expertise the tool was meant to remove the need for.
  • App store submission, signing, review responses and release management are entirely yours, and that is where non-technical teams lose the time they saved in the builder.

Toqio

  • Toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • Because it orchestrates rather than provides, the customer experience is only as good as the underlying bank or issuer, and Toqio cannot fix a partner's settlement delays or outages.
  • Pricing is quoted with no public rate card, so comparing it against building in house or against a bundled banking as a service provider requires a full sales process.
  • With around EUR 30 million raised in total it is a small supplier to underpin a financial product a large corporate expects to run for a decade, which raises real continuity questions in procurement.
  • No code configuration covers standard patterns well but bespoke customer journeys eventually require custom development, at which point the main advantage over building directly on provider APIs narrows.

Pricing, plan by plan

Draftbit

Free
  • Draftbit$undefined/month
    • Free tier for building and previewing
    • Source export and publishing sit behind paid tiers
    • Priced per project and per collaborator

Toqio

On request
  • Toqio platform$undefined/year
    • Quoted per customer, typically setup plus recurring platform fee
    • Regulated provider fees are separate and contracted by you
    • Card interchange and lending economics belong to your provider agreements

Which should you pick?

Choose Draftbit if

  • You need react native source export.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want component library.
Draftbit review

Choose Toqio if

  • You need no code product builder.
  • You work on Web, iOS, Android, API.
  • You also want provider orchestration.
Toqio review

Questions people ask

Is Draftbit or Toqio better?
Neither clearly leads. Draftbit starts at Free and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Draftbit or Toqio?
Draftbit has a free tier; the other does not. Paid plans start at Free for Draftbit and On request for Toqio.
Does Draftbit or Toqio run on more platforms?
Draftbit runs on Web, iOS, Android. Toqio runs on Web, iOS, Android, API.
Can I use Draftbit for free?
Yes. Draftbit has a free tier, so you can try it without paying. Toqio starts at On request.
What is Draftbit best used for?
Draftbit is most often used for shipping a first mobile version quickly with a deliberate plan to hand it to engineers later, agencies building client apps where the contract requires source code as a deliverable, teams that have a designer and a backend but no mobile engineer, prototyping a native app against a real api rather than building a clickable mockup. Of those, shipping a first mobile version quickly with a deliberate plan to hand it to engineers later and agencies building client apps where the contract requires source code as a deliverable are not what Toqio is typically brought in for.
What can Draftbit do that Toqio cannot?
Draftbit covers React Native source export, Component library, Any REST API as a data source, Live device preview. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Draftbit: Do I own the code?

Yes. Paid plans export a React Native and Expo project you can keep, host and ship without Draftbit involved.

Toqio: Does Toqio provide the banking licence?

No, deliberately. You contract your own bank, issuer or lender, which is why you can replace them without rebuilding the product.

Draftbit: Can I import edited code back into the builder?

No. Export is one way, so plan the handover deliberately because after it the visual builder is no longer part of your workflow.

Toqio: Who is it aimed at?

Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.

Draftbit: Does it include a database?

No. You connect your own backend, commonly Supabase, Xano, Airtable or a REST API you already run.

Toqio: How much does it cost?

Not published. Expect a setup fee plus a recurring platform fee, with all regulated provider costs on top and separately contracted.

Draftbit: Can it build a web app as well?

No. The output is a React Native mobile application for iOS and Android only.

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