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APIs · head to head

LiteLLM vs Treasury Prime

LiteLLM logo

LiteLLM

APIs

The AI Gateway for platform teams

From
Free
Rated
-
Full reviewWebsite
Treasury Prime logo

Treasury Prime

APIs

Banking as a service platform sold to sponsor banks rather than to fintechs

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only LiteLLM has a free tier, so it costs nothing to try first.
  • Each has a real cost: LiteLLM enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales; Treasury Prime a fintech cannot buy Treasury Prime directly since the 2024 pivot, so the sales process starts with finding a sponsor bank willing to take your programme, which adds months and removes most of your negotiating leverage on fees.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which LiteLLM and Treasury Prime actually diverge.

Attributes where LiteLLM and Treasury Prime differ
AttributeLiteLLMTreasury Prime
Starting priceFreeOn request
Pricing modelopen-sourcequote
Free tierYesNo
PlatformsWebAPI, Web

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 LiteLLM

Nothing recorded that Treasury Prime does not also cover.

Only in Treasury Prime

  • BankOS
  • OneKey Banking
  • Deposit accounts
  • Payments
  • Card issuing
  • Bank oversight tooling
  • Ledger and reconciliation
  • Programme onboarding

What people use each for

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

LiteLLM

  • Accessing 140+ LLM providers through single APInot Treasury Prime
  • Implementing cost-based routing for advanced AI tasksnot Treasury Prime
  • Deploying new LLM models usually within a daynot Treasury Prime
  • Switching backend models with config changes onlynot Treasury Prime
  • Maintaining consistent access across 100+ endpointsnot Treasury Prime

Treasury Prime

  • A community or regional bank that wants to run an embedded finance line with examiner-acceptable oversight of its fintech programmesnot LiteLLM
  • A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot LiteLLM
  • A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot LiteLLM
  • A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot LiteLLM

Where each one falls short

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

LiteLLM

  • Enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales
  • Not per-token based pricing for Enterprise tier

Treasury Prime

  • A fintech cannot buy Treasury Prime directly since the 2024 pivot, so the sales process starts with finding a sponsor bank willing to take your programme, which adds months and removes most of your negotiating leverage on fees.
  • Commercial terms including minimum deposit balances, reserve requirements and per transaction pricing are set by the bank rather than the platform, so two fintechs on the same software can face materially different economics with no public benchmark.
  • The company cut roughly half its staff in the 2024 pivot, which reduced the teams that supported fintech customers directly and left fintechs relying on their bank for support rather than on the vendor who wrote the software.
  • Bank risk appetite is now the binding constraint, and after the Synapse failure sponsor banks decline programmes in higher risk categories that a middleware provider would once have onboarded, so some business models simply cannot get placed.
  • If your sponsor bank exits the programme or is told by its regulator to reduce fintech exposure, you are migrating your entire deposit base to another institution, and the software being the same at both ends does not make that a small project.

Pricing, plan by plan

LiteLLM

Free
  • Open SourceFree
    • 100+ providers
    • One OpenAI API
    • Virtual keys
  • Enterprise$null/mo
    • All Open Source features
    • SSO + SCIM
    • OIDC/JWT authentication

Treasury Prime

On request
  • BankOS$undefined/year
    • Sold to sponsor banks, not directly to fintechs
    • Fintech commercial terms are set by the sponsor bank
    • Minimum deposits, reserves and per transaction fees vary by bank

Which should you pick?

Choose LiteLLM if

  • You want to start without paying.
LiteLLM review

Choose Treasury Prime if

  • You need bankos.
  • You work on API, Web.
  • You also want onekey banking.
Treasury Prime review

Questions people ask

Is LiteLLM or Treasury Prime better?
Neither clearly leads. LiteLLM starts at Free and Treasury Prime at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, LiteLLM or Treasury Prime?
LiteLLM has a free tier; the other does not. Paid plans start at Free for LiteLLM and On request for Treasury Prime.
Does LiteLLM or Treasury Prime run on more platforms?
LiteLLM runs on Web. Treasury Prime runs on API, Web.
Can I use LiteLLM for free?
Yes. LiteLLM has a free tier, so you can try it without paying. Treasury Prime starts at On request.
What is LiteLLM best used for?
LiteLLM is most often used for accessing 140+ llm providers through single api, implementing cost-based routing for advanced ai tasks, deploying new llm models usually within a day, switching backend models with config changes only. Of those, accessing 140+ llm providers through single api and implementing cost-based routing for advanced ai tasks are not what Treasury Prime is typically brought in for.
What can LiteLLM do that Treasury Prime cannot?
Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments.

Answered from the vendors’ own pages

LiteLLM: Is LiteLLM free to use?

Yes, LiteLLM's open-source version is free forever and requires no credit card. Self-host in minutes with support for 100+ LLM providers.

Source
Treasury Prime: Can a fintech buy Treasury Prime directly?

No. Since the 2024 pivot it sells to banks. A fintech contracts with a sponsor bank running BankOS, and the bank sets the terms.

LiteLLM: What does LiteLLM's Enterprise plan cost?

Enterprise pricing is custom and annual, sized based on your annual gateway request capacity, deployment architecture, and support needs. Not charged per token.

Source
Treasury Prime: Why did it change model?

Regulatory pressure on the tri-party middleware structure, sharpened by the Synapse failure. Examiners want the bank holding the customer contract and the oversight obligation, which is what bank-direct means.

LiteLLM: Is there a free trial for Enterprise?

Yes, a 30-day Enterprise trial key is available via email with no credit card required.

Source
Treasury Prime: What is OneKey Banking?

A way of spreading deposits across several banks in the network, used for FDIC coverage above a single institution limit and for resilience if one bank exits.

Treasury Prime: Is pricing published?

No, at neither the bank nor the fintech level. Fintech economics are set by the sponsor bank, so expect wide variation.

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