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APIs · head to head

Fintech Farm vs Janus Gateway

Fintech Farm logo

Fintech Farm

APIs

"Neobank in a box" for banks in emerging markets, paid on a performance basis

From
On request
Rated
-
Full reviewWebsite
Janus Gateway logo

Janus Gateway

APIs

WebRTC gateway and media server for real-time communication

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Janus Gateway has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fintech Farm the performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.; Janus Gateway no commercial pricing published; open-source project without official commercial offerings
  • They diverge on capability: Fintech Farm covers End-to-end neobank stack, Janus Gateway covers WebRTC Gateway.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fintech Farm and Janus Gateway actually diverge.

Attributes where Fintech Farm and Janus Gateway differ
AttributeFintech FarmJanus Gateway
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsWeb, iOS, AndroidLinux, MacOS, BSD
FoundedUnknown2010

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 Fintech Farm

  • End-to-end neobank stack
  • Credit scoring engines
  • Debit, credit and BNPL products
  • Investment features
  • Performance-based partnership
  • Emerging market focus

Only in Janus Gateway

  • WebRTC Gateway
  • Media Routing
  • Video Conferencing
  • RTP
  • SRTP
  • REST API
  • Linux support
  • MacOS support

What people use each for

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

Fintech Farm

  • A mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in housenot Janus Gateway
  • A bank wanting a partner compensated on growth outcomes rather than a fixed software licencenot Janus Gateway
  • An institution needing credit scoring built specifically for thin-file, underbanked emerging market customersnot Janus Gateway
  • A bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratchnot Janus Gateway

Janus Gateway

  • API Developmentnot Fintech Farm
  • API Gatewaynot Fintech Farm
  • API Testingnot Fintech Farm
  • API Documentationnot Fintech Farm
  • Microservicesnot Fintech Farm

Where each one falls short

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

Fintech Farm

  • The performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.
  • It requires the partner bank to already hold a banking licence and balance sheet, so it is not usable by a company wanting to launch banking services without any existing regulatory status.
  • Focus on emerging markets means less proven track record in developed, heavily regulated markets such as the US or Western Europe.
  • As a smaller, founder-led company relative to Mambu or Temenos, its longevity and ability to support partner banks over a decade-plus relationship carries more vendor-risk uncertainty.
  • Being compensated on customer and revenue growth creates a natural incentive to prioritise growth-driving features over, for example, deep compliance tooling that does not directly move those metrics.

Janus Gateway

  • No commercial pricing published; open-source project without official commercial offerings
  • Community-supported only; no vendor commercial support or SLA available

Pricing, plan by plan

Fintech Farm

On request
  • Fintech Farm$undefined/year
    • Performance-based compensation tied to customer numbers and revenue generated
    • No published flat licence fee

Janus Gateway

Free
  • Open SourceFree
    • Core WebRTC gateway
    • Community support

Which should you pick?

Choose Fintech Farm if

  • You need end-to-end neobank stack.
  • You work on Web, iOS, Android.
  • You also want credit scoring engines.
Fintech Farm review

Choose Janus Gateway if

  • You need webrtc gateway.
  • You want to start without paying.
  • You work on Linux, MacOS, BSD.
  • You also want media routing.
Janus Gateway review

Questions people ask

Is Fintech Farm or Janus Gateway better?
Neither clearly leads. Fintech Farm starts at On request and Janus Gateway at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fintech Farm or Janus Gateway?
Janus Gateway has a free tier; the other does not. Paid plans start at On request for Fintech Farm and Free for Janus Gateway.
Does Fintech Farm or Janus Gateway run on more platforms?
Fintech Farm runs on Web, iOS, Android. Janus Gateway runs on Linux, MacOS, BSD.
Can I use Janus Gateway for free?
Yes. Janus Gateway has a free tier, so you can try it without paying. Fintech Farm starts at On request.
What is Fintech Farm best used for?
Fintech Farm is most often used for a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house, a bank wanting a partner compensated on growth outcomes rather than a fixed software licence, an institution needing credit scoring built specifically for thin-file, underbanked emerging market customers, a bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratch. Of those, a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house and a bank wanting a partner compensated on growth outcomes rather than a fixed software licence are not what Janus Gateway is typically brought in for.
What can Fintech Farm do that Janus Gateway cannot?
Fintech Farm covers End-to-end neobank stack, Credit scoring engines, Debit, credit and BNPL products, Investment features. Janus Gateway covers WebRTC Gateway, Media Routing, Video Conferencing, RTP.

Answered from the vendors’ own pages

Fintech Farm: How is Fintech Farm paid?

On a performance basis, tied to the number of customers and revenue its neobank product generates for the partner bank, rather than a flat licence fee.

Janus Gateway: How much does Janus Gateway cost?

Janus Gateway has no pricing model; it is a free open-source WebRTC server developed by Meetecho. The general-purpose server is available for download at no cost. There are no subscription tiers or commercial licensing fees.

Source
Fintech Farm: Does the bank need its own licence?

Yes, Fintech Farm partners with banks that already hold a banking licence and balance sheet; it does not provide the licence itself.

Janus Gateway: Is Janus Gateway supported commercially?

Janus Gateway is community-supported open-source software with no official commercial support or SLA from the vendors. While Meetecho developed the project, users must rely on community documentation and forums for assistance.

Source
Fintech Farm: Which markets does it focus on?

Emerging markets, including operations across regions such as Vietnam, Nigeria and increasingly India.

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