Softwr

APIs · head to head

Sanity vs Treasury Prime

Sanity logo

Sanity

APIs

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

From
Free
Rated
-
Full reviewWebsite
Treasury Prime logo

Treasury Prime

APIs

Banking as a service platform sold to sponsor banks rather than to fintechs

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; 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: Sanity covers Content API, Treasury Prime covers BankOS.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Sanity and Treasury Prime actually diverge.

Attributes where Sanity and Treasury Prime differ
AttributeSanityTreasury Prime
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWebAPI, Web
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 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.

Sanity

  • Headless CMS for structured content managementnot Treasury Prime
  • Collaborative content editing with real-time multiplayer supportnot Treasury Prime
  • API-driven content delivery with GROQ query languagenot 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 Sanity
  • A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Sanity
  • A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Sanity
  • A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot 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

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

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

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 Sanity if

  • You need content api.
  • You want to start without paying.
  • You also want collaborative editing.
Sanity review

Choose Treasury Prime if

  • You need bankos.
  • You work on API, Web.
  • You also want onekey banking.
Treasury Prime review

Questions people ask

Is Sanity or Treasury Prime better?
Neither clearly leads. Sanity 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, Sanity or Treasury Prime?
Sanity has a free tier; the other does not. Paid plans start at Free for Sanity and On request for Treasury Prime.
Does Sanity or Treasury Prime run on more platforms?
Sanity runs on Web. Treasury Prime runs on API, Web.
Can I use Sanity for free?
Yes. Sanity has a free tier, so you can try it without paying. Treasury Prime 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 Treasury Prime is typically brought in for.
What can Sanity do that Treasury Prime cannot?
Sanity covers Content API, Collaborative editing, Structured content, Webhooks. Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments.

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
Treasury 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.

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
Treasury 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.

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
Treasury 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.

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
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.

Share

Related pages

More on Sanity

More on Treasury Prime

Keep looking

Other head to heads