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Cybersecurity · head to head

Logto vs ThetaRay

Logto logo

Logto

Cybersecurity

Open-source identity and authentication infrastructure for apps and APIs

From
Free
Rated
-
Full reviewWebsite
ThetaRay logo

ThetaRay

Cybersecurity

Unsupervised AI transaction monitoring for cross-border and correspondent banking

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Logto has a free tier, so it costs nothing to try first.
  • Each has a real cost: Logto advanced features like RBAC, organizations, MFA, and enterprise SSO are billed as separate paid add-ons rather than included in Pro.; ThetaRay unsupervised models are harder to justify to an examiner than explicit rules, and some regulators still expect documented threshold logic, which can force you to run both systems.
  • They diverge on capability: Logto covers Prebuilt sign-in UI, ThetaRay covers Unsupervised detection.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Logto and ThetaRay actually diverge.

Attributes where Logto and ThetaRay differ
AttributeLogtoThetaRay
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
Platformsweb, apiWeb

Identical on both: user rating (Not yet rated), category (Cybersecurity).

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 Logto

  • Prebuilt sign-in UI
  • Social connectors
  • Role-based access control
  • Multi-factor authentication
  • Machine-to-machine apps
  • Audit logs

Only in ThetaRay

  • Unsupervised detection
  • Cross-border focus
  • Sanctions screening
  • Alert triage
  • Customer risk scoring
  • Cloud native

What people use each for

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

Logto

  • Adding sign-in to a new SaaS productnot ThetaRay
  • Implementing SSO for B2B customersnot ThetaRay
  • Securing internal APIs with M2M tokensnot ThetaRay
  • Adding RBAC and organizations to a multi-tenant appnot ThetaRay

ThetaRay

  • A correspondent bank that cannot see the ultimate originator and needs behavioural signals rather than counterparty listsnot Logto
  • A cross-border payments fintech whose rules engine produces more alerts than its compliance team can clearnot Logto
  • A bank under a regulatory consent order needing demonstrable improvement in detection within a fixed periodnot Logto
  • A payment institution entering a high-risk corridor where existing thresholds were calibrated on domestic trafficnot Logto

Where each one falls short

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

Logto

  • Advanced features like RBAC, organizations, MFA, and enterprise SSO are billed as separate paid add-ons rather than included in Pro.
  • Enterprise pricing is not published and requires contacting sales.
  • Token-based billing can make cost forecasting harder than flat per-MAU pricing for high-traffic apps.

ThetaRay

  • Unsupervised models are harder to justify to an examiner than explicit rules, and some regulators still expect documented threshold logic, which can force you to run both systems.
  • The alert reduction claim depends heavily on your data, so a parallel run is essential and adds months and cost before you can decommission the incumbent.
  • Coverage is strongest in cross-border and correspondent flows; institutions whose risk is domestic retail fraud will find the fit weaker than a general-purpose monitoring platform.
  • It is a smaller vendor than the incumbents, so integration connectors into legacy core banking systems are often bespoke work rather than a supported adapter.
  • Model retraining and tuning are vendor-led, which means changing detection behaviour is a support conversation rather than something your own analysts can do that afternoon.

Pricing, plan by plan

Logto

Free
  • FreeFree
    • Up to 50,000 MAU
    • 50K tokens included
    • 3 applications
  • Pro$24/month
    • Unlimited MAU and applications
    • 3 included API resources
    • Passkey sign-in

ThetaRay

On request
  • ThetaRay Sonar$undefined/year
    • Priced by monitored transaction volume and number of monitored entities
    • SaaS on Azure with regional data residency options
    • Parallel run and model tuning included in onboarding

Which should you pick?

Choose Logto if

  • You need prebuilt sign-in ui.
  • You want to start without paying.
  • You work on web, api.
  • You also want social connectors.
Logto review

Choose ThetaRay if

  • You need unsupervised detection.
  • You also want cross-border focus.
ThetaRay review

Questions people ask

Is Logto or ThetaRay better?
Neither clearly leads. Logto starts at Free and ThetaRay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Logto or ThetaRay?
Logto has a free tier; the other does not. Paid plans start at Free for Logto and On request for ThetaRay.
Does Logto or ThetaRay run on more platforms?
Logto runs on web, api. ThetaRay runs on Web.
Can I use Logto for free?
Yes. Logto has a free tier, so you can try it without paying. ThetaRay starts at On request.
What is Logto best used for?
Logto is most often used for adding sign-in to a new saas product, implementing sso for b2b customers, securing internal apis with m2m tokens, adding rbac and organizations to a multi-tenant app. Of those, adding sign-in to a new saas product and implementing sso for b2b customers are not what ThetaRay is typically brought in for.
What can Logto do that ThetaRay cannot?
Logto covers Prebuilt sign-in UI, Social connectors, Role-based access control, Multi-factor authentication. ThetaRay covers Unsupervised detection, Cross-border focus, Sanctions screening, Alert triage.

Answered from the vendors’ own pages

Logto: What does Logto cost?

Logto offers a Free plan at $0/month, a Pro plan starting at $24/month with 50K free tokens included, and a custom-priced Enterprise plan. Extra add-ons like RBAC or MFA are billed separately on Pro.

Source
ThetaRay: Does it replace a rules engine entirely?

Rarely on day one. Most institutions run it alongside existing rules during a parallel period, and some keep specific regulator-mandated rules permanently.

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

Yes. The Free plan supports up to 50,000 monthly active users, 3 total applications, 1 machine-to-machine app, 3 social connectors, 1 webhook, and 3-day audit log retention.

Source
ThetaRay: Where is the data processed?

SaaS runs on Microsoft Azure with regional deployment options, which is the mechanism for meeting data residency conditions in regulated markets.

Logto: How is usage metered?

Logto uses token-based billing: only access tokens issued for authentication and authorization activity are counted, rather than charging purely per MAU.

Source
ThetaRay: Is sanctions screening included?

Screening is available on the same platform but licensed as part of the commercial package rather than bundled by default. Confirm it is in your quote.

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