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Cybersecurity · head to head

Fenergo vs Restate

Fenergo logo

Fenergo

Cybersecurity

Client lifecycle management and KYC onboarding for regulated financial institutions

From
On request
Free plan
No
Full reviewWebsite
Restate logo

Restate

Developer Tools

Durable execution engine in Rust with a free tier and low-latency workflows

From
Free
Free plan
Yes
Full reviewWebsite

The short version

  • Only Restate has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fenergo implementations commonly run twelve to twenty-four months and depend on a systems integrator, so the services cost frequently exceeds the software subscription in year one.; Restate the runtime is under a Business Source Licence rather than an open source licence, so building a competing managed offering on it is prohibited and some procurement functions will reject it on licence grounds alone.
  • They diverge on capability: Fenergo covers Regulatory rules library, Restate covers Durable execution.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fenergo and Restate actually diverge.

Attributes where Fenergo and Restate differ
AttributeFenergoRestate
Starting priceOn requestFree
Pricing modelquotePer month by durable action count
Free tierNoYes
PlatformsWebLinux, macOS, Web
CategoryCybersecurityDeveloper Tools

Identical on both: 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 Fenergo

  • Regulatory rules library
  • Digital onboarding
  • Perpetual KYC
  • Entity data model
  • Screening orchestration
  • Case management

Only in Restate

  • Durable execution
  • Virtual objects
  • Single binary runtime
  • Multi-language SDKs
  • Workflows and sagas
  • Restate Cloud

What people use each for

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

Fenergo

  • A bank operating in twenty jurisdictions that cannot keep local KYC requirements current across separate regional teamsnot Restate
  • A custodian moving from calendar-based periodic review to event-driven perpetual KYC to cut analyst headcountnot Restate
  • An asset manager onboarding funds and trusts where the ownership hierarchy defeats generic identity verification toolsnot Restate
  • A payments institution facing a regulatory remediation order and needing a defensible audit trail of every client reviewnot Restate

Restate

  • Payment or order flows where a crash between two external API calls must not double-charge or lose the ordernot Fenergo
  • AI agent loops that call tools over minutes or hours and must survive a deployment mid-runnot Fenergo
  • Replacing hand-rolled retry, idempotency key and outbox code across a set of microservicesnot Fenergo
  • A small team that wants durable workflows without operating a Temporal cluster and its databasenot Fenergo

Where each one falls short

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

Fenergo

  • Implementations commonly run twelve to twenty-four months and depend on a systems integrator, so the services cost frequently exceeds the software subscription in year one.
  • It orchestrates screening but does not supply the sanctions, PEP or adverse media data, so you still buy Dow Jones, LexisNexis or World-Check separately and those fees are per screened entity.
  • The entry price is set for institutions with large onboarding volumes, which puts it out of reach of smaller banks and fintechs that would otherwise benefit from the rules library.
  • Configuration is deep and specific, which makes upgrades between major versions a project rather than a patch, and some customers stay on old releases for years.
  • The rules library covers regulatory requirements, not your internal risk appetite, so the policy tuning that determines whether onboarding actually gets faster remains your work.

Restate

  • The runtime is under a Business Source Licence rather than an open source licence, so building a competing managed offering on it is prohibited and some procurement functions will reject it on licence grounds alone.
  • Restate Cloud jumps from a free fifty thousand actions straight to 300 US dollars a month for twenty million, so a workload sitting at a few hundred thousand actions pays enterprise-shaped money for hobby-shaped volume.
  • It is a young project against Temporal’s established base, so hiring engineers who already know it is unrealistic and the answer to most questions is in the docs rather than on Stack Overflow.
  • The programming model requires structuring code around durable handlers and virtual objects, which is a genuine rewrite for existing services rather than a library you add.
  • The single-binary simplicity that makes small deployments cheap also means fewer operational knobs at very large scale than a system designed as separable components.

Pricing, plan by plan

Fenergo

On request
  • Fenergo Client Lifecycle Management$undefined/year
    • Priced by institution size, jurisdictions in scope and modules licensed
    • Regulatory rules content subscription bundled into the annual fee
    • Implementation delivered by Fenergo or a systems integrator and quoted separately

Restate

Free
  • FreeFree
    • Fifty thousand durable actions per month
    • No credit card required
    • Community support
  • Starter$300/month
    • Twenty million actions per month
    • Two hundred actions per second, bursting to one thousand
    • Twenty GB storage
  • Pro$1000/month
    • Fifty million actions per month
    • Five hundred actions per second, bursting to two thousand
    • Fifty GB storage
  • Enterprise$undefined/year
    • Negotiated volume
    • Twenty-four seven P0 support
    • 99.99 per cent SLA

Which should you pick?

Choose Fenergo if

  • You need regulatory rules library.
  • You also want digital onboarding.
Fenergo review

Choose Restate if

  • You need durable execution.
  • You want to start without paying.
  • You work on Linux, macOS, Web.
  • You also want virtual objects.
Restate review

Questions people ask

Is Fenergo or Restate better?
Neither clearly leads. Fenergo starts at On request and Restate at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fenergo or Restate?
Restate has a free tier; the other does not. Paid plans start at On request for Fenergo and Free for Restate.
Does Fenergo or Restate run on more platforms?
Fenergo runs on Web. Restate runs on Linux, macOS, Web.
Can I use Restate for free?
Yes. Restate has a free tier, so you can try it without paying. Fenergo starts at On request.
What is Fenergo best used for?
Fenergo is most often used for a bank operating in twenty jurisdictions that cannot keep local kyc requirements current across separate regional teams, a custodian moving from calendar-based periodic review to event-driven perpetual kyc to cut analyst headcount, an asset manager onboarding funds and trusts where the ownership hierarchy defeats generic identity verification tools, a payments institution facing a regulatory remediation order and needing a defensible audit trail of every client review. Of those, a bank operating in twenty jurisdictions that cannot keep local kyc requirements current across separate regional teams and a custodian moving from calendar-based periodic review to event-driven perpetual kyc to cut analyst headcount are not what Restate is typically brought in for.
What can Fenergo do that Restate cannot?
Fenergo covers Regulatory rules library, Digital onboarding, Perpetual KYC, Entity data model. Restate covers Durable execution, Virtual objects, Single binary runtime, Multi-language SDKs.

Answered from the vendors’ own pages

Fenergo: Does Fenergo do the sanctions screening itself?

No. It orchestrates calls to third-party data providers such as Dow Jones and World-Check, and those subscriptions are additional and usually charged per screened entity.

Restate: Is Restate open source?

The SDKs are MIT. The runtime is under a Business Source Licence, which permits self-hosting but not offering it as a competing service.

Fenergo: Is it SaaS or on-premises?

Both. The SaaS offering runs on Microsoft Azure with regional deployment options, which matters where data residency rules prohibit client data leaving the jurisdiction.

Restate: How does it compare with Temporal?

Same problem, different shape: one Rust binary with embedded storage instead of a server plus database plus workers, and lower per-step latency.

Fenergo: How long does a deployment take?

Plan for a year at minimum for a multi-jurisdiction rollout. Single-jurisdiction deployments with a narrow product set can be shorter but rarely under six months.

Restate: Is there a free tier?

Yes, fifty thousand durable actions a month on Restate Cloud with no card required.

Restate: Which languages are supported?

TypeScript, Java, Kotlin, Go, Python and Rust.

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