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APIs · head to head

Enable Banking vs Liveblocks

Enable Banking logo

Enable Banking

APIs

European bank API aggregation with a free restricted production tier for your own accounts

From
Free
Rated
-
Full reviewWebsite
Liveblocks logo

Liveblocks

APIs

Realtime collaboration infrastructure for building multiplayer features

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Enable Banking production pricing is quoted per connected account and call volume with no published rate card, so a free proof of concept gives you no idea of cost at scale.; Liveblocks on the Free plan, each metered feature has a hard cap and simply pauses when exceeded rather than allowing overage.
  • They diverge on capability: Enable Banking covers European bank coverage, Liveblocks covers Realtime presence and cursors.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Enable Banking and Liveblocks actually diverge.

Attributes where Enable Banking and Liveblocks differ
AttributeEnable BankingLiveblocks
Pricing modelPer connected account per monthfreemium
PlatformsWeb, REST APIweb, api

Identical on both: starting price (Free), free tier (Yes), 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 Enable Banking

  • European bank coverage
  • Free sandbox
  • Restricted production
  • TPP infrastructure as a service
  • Consent handling
  • Payment initiation

Only in Liveblocks

  • Realtime presence and cursors
  • Comments
  • Version history
  • Custom notifications
  • SSO and SOC 2
  • Management API

What people use each for

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

Enable Banking

  • A small fintech that needs to operate as an agent rather than wait a year for its own AISP authorisationnot Liveblocks
  • An accounting software vendor pulling bank transactions across several European countriesnot Liveblocks
  • A treasury tool building and testing a real integration before committing to a contractnot Liveblocks
  • A lender verifying applicant income from bank data across the Nordics and the EUnot Liveblocks

Liveblocks

  • Adding live cursors and presence to a collaborative editornot Enable Banking
  • Building threaded comments on documents or designsnot Enable Banking
  • Sending realtime notifications tied to collaborative actionsnot Enable Banking
  • Restoring previous versions of collaborative contentnot Enable Banking

Where each one falls short

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

Enable Banking

  • Production pricing is quoted per connected account and call volume with no published rate card, so a free proof of concept gives you no idea of cost at scale.
  • Coverage is European, which rules it out as a single supplier for anyone needing UK plus North American bank data as well.
  • Operating as an agent under the Enable Banking licence means your regulatory permission depends on another company remaining authorised and willing to sponsor you.
  • Bank API quality varies widely across Europe, and outages or degraded endpoints at individual institutions surface as failures in your own product.
  • It is a small Finnish company selling into regulated financial services, so enterprise procurement and vendor resilience reviews are a recurring obstacle.

Liveblocks

  • On the Free plan, each metered feature has a hard cap and simply pauses when exceeded rather than allowing overage.
  • The jump from Pro ($30/month) to Team (starting at $600/month) is steep for teams that outgrow Pro but don't need full Team scale.
  • Multi-region hosting and SCIM provisioning are Enterprise-only and require custom pricing.

Pricing, plan by plan

Enable Banking

Free
  • Sandbox and restricted productionFree
    • Mock and real bank sandbox access
    • Production access limited to accounts you link yourself
    • Full API surface for development and certification
  • Production$undefined/year
    • Quoted by connected accounts per month and call volume
    • Priced by number of institutions and markets in scope
    • Different rates under your own licence or as an agent

Liveblocks

Free
  • FreeFree
    • 10 projects
    • 3 dashboard seats
    • 10 simultaneous connections per room
  • Pro$30/month
    • $30 monthly credits
    • Removes Liveblocks branding
    • 3 dashboard seats
  • Team$600/month
    • SSO and SOC 2
    • 10 dashboard seats
    • 50 connections/room

Which should you pick?

Choose Enable Banking if

  • You need european bank coverage.
  • You want to start without paying.
  • You work on Web, REST API.
  • You also want free sandbox.
Enable Banking review

Choose Liveblocks if

  • You need realtime presence and cursors.
  • You want to start without paying.
  • You work on web, api.
  • You also want comments.
Liveblocks review

Questions people ask

Is Enable Banking or Liveblocks better?
Neither clearly leads. Enable Banking starts at Free and Liveblocks at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Enable Banking or Liveblocks?
Enable Banking starts at Free and Liveblocks at Free.
Does Enable Banking or Liveblocks run on more platforms?
Enable Banking runs on Web, REST API. Liveblocks runs on web, api.
Can I use Enable Banking for free?
Both have a free tier, so you can try either at no cost before committing.
What is Enable Banking best used for?
Enable Banking is most often used for a small fintech that needs to operate as an agent rather than wait a year for its own aisp authorisation, an accounting software vendor pulling bank transactions across several european countries, a treasury tool building and testing a real integration before committing to a contract, a lender verifying applicant income from bank data across the nordics and the eu. Of those, a small fintech that needs to operate as an agent rather than wait a year for its own aisp authorisation and an accounting software vendor pulling bank transactions across several european countries are not what Liveblocks is typically brought in for.
What can Enable Banking do that Liveblocks cannot?
Enable Banking covers European bank coverage, Free sandbox, Restricted production, TPP infrastructure as a service. Liveblocks covers Realtime presence and cursors, Comments, Version history, Custom notifications.

Answered from the vendors’ own pages

Enable Banking: Is there really a free tier?

Yes, sandbox plus restricted production against accounts you link yourself. Commercial third-party access is quoted separately.

Liveblocks: What does Liveblocks cost?

Liveblocks offers a Free plan with hard usage caps, a Pro plan at $30/month ($25/month billed annually) including $30 in monthly credits, a Team plan from $600/month, and custom Enterprise pricing.

Source
Enable Banking: Do I need my own AISP licence?

No. Enable Banking offers third-party provider infrastructure as a service so you can operate as an agent under its authorisation.

Liveblocks: Is there a free plan, and what are its limits?

Yes, the Free plan includes 10 projects, 3 dashboard seats, 10 simultaneous connections per room, 3,000 collaboration minutes, 200 comments, and 1GB of realtime data storage, with features pausing once a cap is hit.

Source
Enable Banking: How is production priced?

By connected accounts per month and call volume, adjusted for markets in scope and whether you use your own licence.

Liveblocks: How is usage metered?

Paid plans include monthly credits covering collaboration minutes, comments, and storage; usage beyond the credit is billed at metered rates such as $0.002 per collaboration minute and $0.01 per comment, with credits resetting each billing cycle without rollover.

Source
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