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APIs · head to head

Fintech Farm vs Kong 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
Kong Gateway logo

Kong Gateway

APIs

Open-source and cloud API gateway for managing microservices traffic

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Kong 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.; Kong Gateway the free open-source gateway lacks the analytics, portals, and support of the paid Konnect tiers.
  • They diverge on capability: Fintech Farm covers End-to-end neobank stack, Kong Gateway covers API request routing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Fintech Farm and Kong Gateway differ
AttributeFintech FarmKong Gateway
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, iOS, Androidweb, linux, api
FoundedUnknown2017

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 Kong Gateway

  • API request routing
  • Plugin ecosystem
  • Developer portals
  • AI Gateway
  • Analytics and observability
  • SSO and audit logs

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 Kong Gateway
  • A bank wanting a partner compensated on growth outcomes rather than a fixed software licencenot Kong Gateway
  • An institution needing credit scoring built specifically for thin-file, underbanked emerging market customersnot Kong Gateway
  • A bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratchnot Kong Gateway

Kong Gateway

  • Routing and securing traffic across microservicesnot Fintech Farm
  • Publishing internal or external developer portalsnot Fintech Farm
  • Managing rate limits and authentication at the API edgenot Fintech Farm
  • Gateway-level routing to multiple LLM providersnot 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.

Kong Gateway

  • The free open-source gateway lacks the analytics, portals, and support of the paid Konnect tiers.
  • Plus tier caps API requests at 1M/month before incurring per-million overage charges.
  • Enterprise pricing is custom and not published, making budgeting harder without sales contact.
  • Configuration and plugin management can require significant operational expertise to run at scale.

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

Kong Gateway

Free
  • Free TrialFree
    • 30-day enterprise functionality trial
    • Unlimited gateways
    • 30-day analytics retention
  • Plus$undefined/month
    • Up to 5 serverless, 2 hybrid, 2 dedicated cloud gateways
    • 1M API requests/month included
    • Up to 2 developer portals
  • Enterprise$undefined/month
    • Unlimited hybrid and dedicated cloud gateways
    • Unlimited developer portals
    • SSO and audit logs

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 Kong Gateway if

  • You need api request routing.
  • You want to start without paying.
  • You work on web, linux, api.
  • You also want plugin ecosystem.
Kong Gateway review

Questions people ask

Is Fintech Farm or Kong Gateway better?
Neither clearly leads. Fintech Farm starts at On request and Kong Gateway at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fintech Farm or Kong Gateway?
Kong Gateway has a free tier; the other does not. Paid plans start at On request for Fintech Farm and Free for Kong Gateway.
Does Fintech Farm or Kong Gateway run on more platforms?
Fintech Farm runs on Web, iOS, Android. Kong Gateway runs on web, linux, api.
Can I use Kong Gateway for free?
Yes. Kong 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 Kong Gateway is typically brought in for.
What can Fintech Farm do that Kong Gateway cannot?
Fintech Farm covers End-to-end neobank stack, Credit scoring engines, Debit, credit and BNPL products, Investment features. Kong Gateway covers API request routing, Plugin ecosystem, Developer portals, AI Gateway.

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.

Kong Gateway: Is Kong Gateway free?

Kong's core gateway is open source and free to self-host. Kong Konnect, the managed cloud platform, offers a 30-day free trial before moving to paid Plus or custom Enterprise pricing.

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.

Kong Gateway: How is usage metered on the Plus plan?

The Plus plan includes 1M API requests per month, with additional usage billed at $200 per extra 1 million requests up to a 10M/month cap, plus per-gateway and per-LLM-model charges.

Source
Fintech Farm: Which markets does it focus on?

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

Kong Gateway: What support is included?

Plus includes email support with a 2-business-day SLA, while Enterprise adds dedicated success managers and professional services.

Source
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