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APIs · head to head

KeystoneJS vs Toqio

KeystoneJS logo

KeystoneJS

APIs

Powerful Node.js headless CMS framework and API platform

From
Free
Rated
-
Full reviewWebsite
Toqio logo

Toqio

APIs

No code platform for building embedded finance products on your own providers

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only KeystoneJS has a free tier, so it costs nothing to try first.
  • Each has a real cost: KeystoneJS database support is limited to PostgreSQL, MySQL and SQLite; Toqio toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • They diverge on capability: KeystoneJS covers REST API, Toqio covers No code product builder.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which KeystoneJS and Toqio actually diverge.

Attributes where KeystoneJS and Toqio differ
AttributeKeystoneJSToqio
Starting priceFreeOn request
Pricing modelopen-sourcequote
Free tierYesNo
PlatformsNode.js, Self-hostedWeb, iOS, Android, API
Founded2016Unknown

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 KeystoneJS

  • REST API
  • GraphQL API
  • Admin interface
  • Node.js
  • Next.js
  • React
  • Databases
  • Node.js support

Only in Toqio

  • No code product builder
  • Provider orchestration
  • Account and card modules
  • Embedded financing
  • Back office tooling
  • Multi entity and multi brand
  • White label mobile apps
  • Marketplace of providers

What people use each for

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

KeystoneJS

  • Headless CMS implementationnot Toqio
  • Content management systemsnot Toqio
  • Customizable API-driven applicationsnot Toqio

Toqio

  • A manufacturer offering branded working capital finance to its dealer networknot KeystoneJS
  • A B2B marketplace launching accounts and cards for its sellers without becoming regulated itselfnot KeystoneJS
  • A corporate that wants to switch card issuer without rebuilding its customer facing productnot KeystoneJS
  • A group launching the same embedded finance product across several markets with different local providersnot KeystoneJS

Where each one falls short

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

KeystoneJS

  • Database support is limited to PostgreSQL, MySQL and SQLite
  • Keystone 5 is a separate legacy product documented on a different site and is not covered by the Keystone 6 docs
  • Upgrading requires following a dedicated Migrate to 8.0.0 guide, so major versions are not drop-in
  • Free support is a community Slack; enterprise-grade consulting and support is a separate paid engagement with Thinkmill and no published price

Toqio

  • Toqio holds no licence and provides no sponsor bank, so you must find, contract and manage regulated providers yourself, which is the slowest part of any embedded finance launch.
  • Because it orchestrates rather than provides, the customer experience is only as good as the underlying bank or issuer, and Toqio cannot fix a partner's settlement delays or outages.
  • Pricing is quoted with no public rate card, so comparing it against building in house or against a bundled banking as a service provider requires a full sales process.
  • With around EUR 30 million raised in total it is a small supplier to underpin a financial product a large corporate expects to run for a decade, which raises real continuity questions in procurement.
  • No code configuration covers standard patterns well but bespoke customer journeys eventually require custom development, at which point the main advantage over building directly on provider APIs narrows.

Pricing, plan by plan

KeystoneJS

Free
  • Open SourceFree
    • Full KeystoneJS
    • Community support

Toqio

On request
  • Toqio platform$undefined/year
    • Quoted per customer, typically setup plus recurring platform fee
    • Regulated provider fees are separate and contracted by you
    • Card interchange and lending economics belong to your provider agreements

Which should you pick?

Choose KeystoneJS if

  • You need rest api.
  • You want to start without paying.
  • You work on Node.js, Self-hosted.
  • You also want graphql api.
KeystoneJS review

Choose Toqio if

  • You need no code product builder.
  • You work on Web, iOS, Android, API.
  • You also want provider orchestration.
Toqio review

Questions people ask

Is KeystoneJS or Toqio better?
Neither clearly leads. KeystoneJS starts at Free and Toqio at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, KeystoneJS or Toqio?
KeystoneJS has a free tier; the other does not. Paid plans start at Free for KeystoneJS and On request for Toqio.
Does KeystoneJS or Toqio run on more platforms?
KeystoneJS runs on Node.js, Self-hosted. Toqio runs on Web, iOS, Android, API.
Can I use KeystoneJS for free?
Yes. KeystoneJS has a free tier, so you can try it without paying. Toqio starts at On request.
What is KeystoneJS best used for?
KeystoneJS is most often used for headless cms implementation, content management systems, customizable api-driven applications. Of those, headless cms implementation and content management systems are not what Toqio is typically brought in for.
What can KeystoneJS do that Toqio cannot?
KeystoneJS covers REST API, GraphQL API, Admin interface, Node.js. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

KeystoneJS: Is KeystoneJS free?

Yes, KeystoneJS is free and open source with no licensing fees. Core platform has no lock-in and is contributed to by 250+ developers.

Source
Toqio: Does Toqio provide the banking licence?

No, deliberately. You contract your own bank, issuer or lender, which is why you can replace them without rebuilding the product.

KeystoneJS: What are hosting costs for KeystoneJS?

KeystoneJS is self-hosted and deployment-agnostic. Hosting costs depend on your chosen deployment platform (Vercel, AWS, Heroku, etc.) and infrastructure, not KeystoneJS itself.

Source
Toqio: Who is it aimed at?

Large corporates and B2B ecosystem operators embedding finance for suppliers, dealers or marketplace sellers, not consumer fintech startups.

KeystoneJS: Does KeystoneJS offer paid support?

Enterprise support with tailored options is available from Thinkmill, the company behind KeystoneJS. Pricing details available upon request.

Source
Toqio: How much does it cost?

Not published. Expect a setup fee plus a recurring platform fee, with all regulated provider costs on top and separately contracted.

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