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APIs · head to head

Liveblocks vs Temenos Transact

Liveblocks logo

Liveblocks

APIs

Realtime collaboration infrastructure for building multiplayer features

From
Free
Rated
-
Full reviewWebsite
Temenos Transact logo

Temenos Transact

APIs

Established core banking system used by banks in over a hundred countries

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Liveblocks has a free tier, so it costs nothing to try first.
  • Each has a real cost: Liveblocks on the Free plan, each metered feature has a hard cap and simply pauses when exceeded rather than allowing overage.; Temenos Transact the codebase originates in the 1990s, so banks on older releases face major upgrade programmes to reach current versions, and many defer them for years.
  • They diverge on capability: Liveblocks covers Realtime presence and cursors, Temenos Transact covers Country model banks.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Liveblocks and Temenos Transact actually diverge.

Attributes where Liveblocks and Temenos Transact differ
AttributeLiveblocksTemenos Transact
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
Platformsweb, apiWeb, Linux, Windows, REST API

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 Liveblocks

  • Realtime presence and cursors
  • Comments
  • Version history
  • Custom notifications
  • SSO and SOC 2
  • Management API

Only in Temenos Transact

  • Country model banks
  • Multi-product core
  • Payments processing
  • API layer
  • Cloud deployment
  • Accounting engine

What people use each for

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

Liveblocks

  • Adding live cursors and presence to a collaborative editornot Temenos Transact
  • Building threaded comments on documents or designsnot Temenos Transact
  • Sending realtime notifications tied to collaborative actionsnot Temenos Transact
  • Restoring previous versions of collaborative contentnot Temenos Transact

Temenos Transact

  • A bank in an emerging market needing local regulatory compliance without building it from scratchnot Liveblocks
  • An institution running Islamic banking products alongside conventional ones on one corenot Liveblocks
  • A bank that needs a large pool of experienced implementation consultants to de-risk a migrationnot Liveblocks
  • A group standardising subsidiaries in several countries onto one core banking systemnot Liveblocks

Where each one falls short

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

Liveblocks

  • On the Free plan, each metered feature has a hard cap and simply pauses when exceeded rather than allowing overage.
  • The jump from Pro ($30/month) to Team (starting at $600/month) is steep for teams that outgrow Pro but don't need full Team scale.
  • Multi-region hosting and SCIM provisioning are Enterprise-only and require custom pricing.

Temenos Transact

  • The codebase originates in the 1990s, so banks on older releases face major upgrade programmes to reach current versions, and many defer them for years.
  • Total cost is dominated by implementation partner fees rather than licence, and those programmes routinely overrun their original estimates.
  • Product changes that cloud-native cores treat as configuration can require development work and a release cycle, which slows time to market for new products.
  • Heavy customisation is common and it makes every subsequent upgrade harder, creating a compounding cost that banks feel a decade after go-live.
  • Temenos has repeatedly restructured its product line and naming, so buyers must check carefully which components a proposal actually includes and which are separately licensed.

Pricing, plan by plan

Liveblocks

Free
  • FreeFree
    • 10 projects
    • 3 dashboard seats
    • 10 simultaneous connections per room
  • Pro$30/month
    • $30 monthly credits
    • Removes Liveblocks branding
    • 3 dashboard seats
  • Team$600/month
    • SSO and SOC 2
    • 10 dashboard seats
    • 50 connections/room

Temenos Transact

On request
  • Temenos Transact$undefined/year
    • Perpetual or subscription licence scaled by assets, accounts or users
    • Annual maintenance typically a percentage of licence value
    • Implementation delivered by partners and charged separately

Which should you pick?

Choose Liveblocks if

  • You need realtime presence and cursors.
  • You want to start without paying.
  • You work on web, api.
  • You also want comments.
Liveblocks review

Choose Temenos Transact if

  • You need country model banks.
  • You work on Web, Linux, Windows, REST API.
  • You also want multi-product core.
Temenos Transact review

Questions people ask

Is Liveblocks or Temenos Transact better?
Neither clearly leads. Liveblocks starts at Free and Temenos Transact at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Liveblocks or Temenos Transact?
Liveblocks has a free tier; the other does not. Paid plans start at Free for Liveblocks and On request for Temenos Transact.
Does Liveblocks or Temenos Transact run on more platforms?
Liveblocks runs on web, api. Temenos Transact runs on Web, Linux, Windows, REST API.
Can I use Liveblocks for free?
Yes. Liveblocks has a free tier, so you can try it without paying. Temenos Transact starts at On request.
What is Liveblocks best used for?
Liveblocks is most often used for adding live cursors and presence to a collaborative editor, building threaded comments on documents or designs, sending realtime notifications tied to collaborative actions, restoring previous versions of collaborative content. Of those, adding live cursors and presence to a collaborative editor and building threaded comments on documents or designs are not what Temenos Transact is typically brought in for.
What can Liveblocks do that Temenos Transact cannot?
Liveblocks covers Realtime presence and cursors, Comments, Version history, Custom notifications. Temenos Transact covers Country model banks, Multi-product core, Payments processing, API layer.

Answered from the vendors’ own pages

Liveblocks: What does Liveblocks cost?

Liveblocks offers a Free plan with hard usage caps, a Pro plan at $30/month ($25/month billed annually) including $30 in monthly credits, a Team plan from $600/month, and custom Enterprise pricing.

Source
Temenos Transact: Is Transact the same as T24?

Yes. T24 was renamed Temenos Transact; older installations and much of the consultant population still use the T24 name.

Liveblocks: Is there a free plan, and what are its limits?

Yes, the Free plan includes 10 projects, 3 dashboard seats, 10 simultaneous connections per room, 3,000 collaboration minutes, 200 comments, and 1GB of realtime data storage, with features pausing once a cap is hit.

Source
Temenos Transact: Can it run in the cloud?

Yes, it is offered on public cloud, though many existing installations remain on-premises and moving them is a project.

Liveblocks: How is usage metered?

Paid plans include monthly credits covering collaboration minutes, comments, and storage; usage beyond the credit is billed at metered rates such as $0.002 per collaboration minute and $0.01 per comment, with credits resetting each billing cycle without rollover.

Source
Temenos Transact: What drives the cost?

Licence scaled by size, annual maintenance as a percentage of licence, and implementation partner fees that usually exceed the software cost.

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