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APIs · head to head

Sanity vs Toqio

Sanity logo

Sanity

APIs

Headless CMS with real-time collaborative editing and structured content APIs

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 Sanity has a free tier, so it costs nothing to try first.
  • Each has a real cost: Sanity free plan limited to 10,000 documents and 100GB assets; 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: Sanity covers Content API, 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 Sanity and Toqio actually diverge.

Attributes where Sanity and Toqio differ
AttributeSanityToqio
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWebWeb, iOS, Android, API
Founded2011Unknown

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 Sanity

  • Content API
  • Collaborative editing
  • Structured content
  • Webhooks
  • Third-party services
  • GROQ query language
  • Cloud support
  • JavaScript SDK support

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.

Sanity

  • Headless CMS for structured content managementnot Toqio
  • Collaborative content editing with real-time multiplayer supportnot Toqio
  • API-driven content delivery with GROQ query languagenot Toqio

Toqio

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

Where each one falls short

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

Sanity

  • Free plan limited to 10,000 documents and 100GB assets
  • Free plan supports only public datasets
  • Growth plan capped at 50 seats maximum
  • Private datasets, scheduled drafts, and comments/tasks require paid plans
  • Annual billing unavailable for Growth plan; Enterprise-only

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

Sanity

Free
  • FreeFree
    • Up to 20 seats
    • 2 public datasets only
    • 10,000 documents included
  • Growth$15/month
    • Up to 50 seats per seat
    • 2 private or public datasets
    • 25,000 documents included
  • Enterprise$null/month
    • Custom seats
    • Custom datasets
    • Custom document limits

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 Sanity if

  • You need content api.
  • You want to start without paying.
  • You also want collaborative editing.
Sanity 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 Sanity or Toqio better?
Neither clearly leads. Sanity 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, Sanity or Toqio?
Sanity has a free tier; the other does not. Paid plans start at Free for Sanity and On request for Toqio.
Does Sanity or Toqio run on more platforms?
Sanity runs on Web. Toqio runs on Web, iOS, Android, API.
Can I use Sanity for free?
Yes. Sanity has a free tier, so you can try it without paying. Toqio starts at On request.
What is Sanity best used for?
Sanity is most often used for headless cms for structured content management, collaborative content editing with real-time multiplayer support, api-driven content delivery with groq query language. Of those, headless cms for structured content management and collaborative content editing with real-time multiplayer support are not what Toqio is typically brought in for.
What can Sanity do that Toqio cannot?
Sanity covers Content API, Collaborative editing, Structured content, Webhooks. Toqio covers No code product builder, Provider orchestration, Account and card modules, Embedded financing.

Answered from the vendors’ own pages

Sanity: What does the Sanity Free plan include?

The Free plan includes up to 20 seats, 2 public datasets, 10,000 documents, 1 million API CDN requests per month, and 2 permission roles.

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.

Sanity: How much does Sanity Growth plan cost per user?

The Growth plan costs $15 per seat per month, with up to 50 seats, and includes 25,000 documents, 1 million API CDN requests, and 5 permission roles.

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.

Sanity: What is included in Sanity Enterprise pricing?

Enterprise pricing is custom and requires contacting sales. It includes custom seat limits, custom datasets, Single Sign-On, and dedicated support.

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.

Sanity: Does Sanity offer annual billing discounts?

Annual and invoice payment options are available exclusively for Enterprise customers. Self-serve plans (Free and Growth) use monthly billing only.

Source
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