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APIs · head to head

Liveblocks vs Toqio

Liveblocks logo

Liveblocks

APIs

Realtime collaboration infrastructure for building multiplayer features

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 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.; 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: Liveblocks covers Realtime presence and cursors, 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 Liveblocks and Toqio actually diverge.

Attributes where Liveblocks and Toqio differ
AttributeLiveblocksToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
Platformsweb, apiWeb, iOS, Android, 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 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.

Liveblocks

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

Toqio

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

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

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

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 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 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 Liveblocks or Toqio better?
Neither clearly leads. Liveblocks 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, Liveblocks or Toqio?
Liveblocks has a free tier; the other does not. Paid plans start at Free for Liveblocks and On request for Toqio.
Does Liveblocks or Toqio run on more platforms?
Liveblocks runs on web, api. Toqio runs on Web, iOS, Android, API.
Can I use Liveblocks for free?
Yes. Liveblocks has a free tier, so you can try it without paying. Toqio 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 Toqio is typically brought in for.
What can Liveblocks do that Toqio cannot?
Liveblocks covers Realtime presence and cursors, Comments, Version history, Custom notifications. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

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
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.

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
Toqio: Who is it aimed at?

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

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
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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