Softwr

APIs · head to head

Fintech Farm vs Prisma

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
Prisma logo

Prisma

APIs

Modern ORM and API client for Node.js and TypeScript

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Prisma 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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
  • They diverge on capability: Fintech Farm covers End-to-end neobank stack, Prisma covers ORM.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fintech Farm and Prisma actually diverge.

Attributes where Fintech Farm and Prisma differ
AttributeFintech FarmPrisma
Starting priceOn requestFree
Pricing modelquoteusage-based
Free tierNoYes
PlatformsWeb, iOS, AndroidNode.js, TypeScript
FoundedUnknown2016

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 Prisma

  • ORM
  • Query builder
  • Auto-migrations
  • Node.js
  • TypeScript
  • GraphQL
  • REST APIs
  • Node.js 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 Prisma
  • A bank wanting a partner compensated on growth outcomes rather than a fixed software licencenot Prisma
  • An institution needing credit scoring built specifically for thin-file, underbanked emerging market customersnot Prisma
  • A bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratchnot Prisma

Prisma

  • Using a type safe ORM and query layer against a Postgres databasenot Fintech Farm
  • Adding a managed connection pool and edge cache in front of an existing databasenot 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.

Prisma

  • Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
  • Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
  • Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
  • Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
  • Cache tag invalidations are not included below the Pro plan and are billed per thousand above it

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

Prisma

Free
  • FreeFree
    • 1M requests/month
    • 360 GB-hours memory
    • 4 vCPU-hours
  • Starter$10/month
    • 5M requests/month
    • 1M database operations ($8 per million overage)
    • 10 GB storage ($2/GB overage)
  • Pro$49/month
    • 20M requests/month
    • 10M operations ($2 per million overage)
    • 50 GB storage ($1.50/GB overage)
  • Business$129/month
    • 100M requests/month
    • 50M operations ($1 per million overage)
    • 100 GB storage

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 Prisma if

  • You need orm.
  • You want to start without paying.
  • You work on Node.js, TypeScript.
  • You also want query builder.
Prisma review

Questions people ask

Is Fintech Farm or Prisma better?
Neither clearly leads. Fintech Farm starts at On request and Prisma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fintech Farm or Prisma?
Prisma has a free tier; the other does not. Paid plans start at On request for Fintech Farm and Free for Prisma.
Does Fintech Farm or Prisma run on more platforms?
Fintech Farm runs on Web, iOS, Android. Prisma runs on Node.js, TypeScript.
Can I use Prisma for free?
Yes. Prisma 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 Prisma is typically brought in for.
What can Fintech Farm do that Prisma cannot?
Fintech Farm covers End-to-end neobank stack, Credit scoring engines, Debit, credit and BNPL products, Investment features. Prisma covers ORM, Query builder, Auto-migrations, Node.js.

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.

Prisma: How much does Prisma cost?

Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.

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.

Prisma: What is Prisma's overage pricing?

Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.

Source
Fintech Farm: Which markets does it focus on?

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

Prisma: Does Prisma include data transfer costs?

No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.

Source
Share

Related pages

More on Fintech Farm

More on Prisma

Keep looking

Other head to heads