APIs · head to head
Prisma vs Treasury Prime
Treasury Prime
APIs
Banking as a service platform sold to sponsor banks rather than to fintechs
- From
- On request
- Rated
- -
The short version
- Only Prisma has a free tier, so it costs nothing to try first.
- Each has a real cost: Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage; 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.
- They diverge on capability: Prisma covers ORM, Treasury Prime covers BankOS.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Prisma and Treasury Prime actually diverge.
| Attribute | Prisma | Treasury Prime |
|---|---|---|
| Starting price | Free | On request |
| Pricing model | usage-based | quote |
| Free tier | Yes | No |
| Platforms | Node.js, TypeScript | API, Web |
| Founded | 2016 | Unknown |
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js support
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.
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Treasury Prime
- Adding a managed connection pool and edge cache in front of an existing databasenot 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 Prisma
- A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Prisma
- A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Prisma
- A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot Prisma
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
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
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Treasury Prime
On request- BankOS$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 Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Choose Treasury Prime if
- You need bankos.
- You work on API, Web.
- You also want onekey banking.
Questions people ask
- Is Prisma or Treasury Prime better?
- Neither clearly leads. Prisma 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, Prisma or Treasury Prime?
- Prisma has a free tier; the other does not. Paid plans start at Free for Prisma and On request for Treasury Prime.
- Does Prisma or Treasury Prime run on more platforms?
- Prisma runs on Node.js, TypeScript. Treasury Prime runs on API, Web.
- Can I use Prisma for free?
- Yes. Prisma has a free tier, so you can try it without paying. Treasury Prime starts at On request.
- What is Prisma best used for?
- Prisma is most often used for using a type safe orm and query layer against a postgres database, adding a managed connection pool and edge cache in front of an existing database. Of those, using a type safe orm and query layer against a postgres database and adding a managed connection pool and edge cache in front of an existing database are not what Treasury Prime is typically brought in for.
- What can Prisma do that Treasury Prime cannot?
- Prisma covers ORM, Query builder, Auto-migrations, Node.js. Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments.
Answered from the vendors’ own pages
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceTreasury 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.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceTreasury 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.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceTreasury 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.
Related pages
More on Treasury Prime
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