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AI · head to head

Galileo vs Sila

Galileo logo

Galileo

AI

Evaluation and observability platform for GenAI applications and agents

From
Free
Rated
-
Full reviewWebsite
Sila logo

Sila

APIs

US money movement API for ACH, RTP and FedNow with KYC and ledgering built in

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Galileo has a free tier, so it costs nothing to try first.
  • Each has a real cost: Galileo the free plan is limited to 5,000 traces per month, which is quickly outgrown by production workloads.; Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • They diverge on capability: Galileo covers Pre-built evaluations, Sila covers ACH origination.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Galileo and Sila actually diverge.

Attributes where Galileo and Sila differ
AttributeGalileoSila
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
CategoryAIAPIs

Identical on both: platforms (web, api), user rating (Not yet rated).

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 Galileo

  • Pre-built evaluations
  • Ground truth capture
  • Luna models
  • Agent behavior analysis
  • Production guardrails
  • Flexible deployment

Only in Sila

  • ACH origination
  • Instant rails
  • KYC and KYB
  • Virtual accounts
  • Ledger
  • Wallets and holds
  • Webhooks
  • Bank-side deployment

What people use each for

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

Galileo

  • Evaluating RAG and agent applications before production releasenot Sila
  • Monitoring live GenAI applications for failures and driftnot Sila
  • Applying real-time guardrails without custom integration worknot Sila
  • Reducing evaluation costs using distilled Luna judge modelsnot Sila

Sila

  • A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Galileo
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Galileo
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Galileo
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot Galileo

Where each one falls short

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

Galileo

  • The free plan is limited to 5,000 traces per month, which is quickly outgrown by production workloads.
  • Real-time guardrails and unlimited trace capacity are reserved for the custom-priced Enterprise tier.
  • Pro plan pricing scales with trace volume, so costs can grow unpredictably as usage increases.
  • On-premises deployment requires an Enterprise contract rather than being available self-serve.

Sila

  • No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
  • The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
  • Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
  • Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.

Pricing, plan by plan

Galileo

Free
  • FreeFree
    • 5,000 traces/month
    • Unlimited users
    • Unlimited custom evaluations
  • Pro$100/month
    • 50,000 traces/month
    • Standard role-based access control
    • Advanced analytics and insights
  • Enterprise$undefined/mo
    • Unlimited trace capacity
    • Custom rate limits
    • Hosted, VPC, or on-prem deployment

Sila

On request
  • Sila Payments Platform$undefined/month
    • ACH, RTP and FedNow
    • KYC and KYB verification
    • Virtual accounts and ledger

Which should you pick?

Choose Galileo if

  • You need pre-built evaluations.
  • You want to start without paying.
  • You work on web, api.
  • You also want ground truth capture.
Galileo review

Choose Sila if

  • You need ach origination.
  • You work on Web, API.
  • You also want instant rails.
Sila review

Questions people ask

Is Galileo or Sila better?
Neither clearly leads. Galileo starts at Free and Sila at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Galileo or Sila?
Galileo has a free tier; the other does not. Paid plans start at Free for Galileo and On request for Sila.
Does Galileo or Sila run on more platforms?
Galileo runs on web, api. Sila runs on Web, API.
Can I use Galileo for free?
Yes. Galileo has a free tier, so you can try it without paying. Sila starts at On request.
What is Galileo best used for?
Galileo is most often used for evaluating rag and agent applications before production release, monitoring live genai applications for failures and drift, applying real-time guardrails without custom integration work, reducing evaluation costs using distilled luna judge models. Of those, evaluating rag and agent applications before production release and monitoring live genai applications for failures and drift are not what Sila is typically brought in for.
What can Galileo do that Sila cannot?
Galileo covers Pre-built evaluations, Ground truth capture, Luna models, Agent behavior analysis. Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts.

Answered from the vendors’ own pages

Galileo: What does Galileo cost?

Galileo offers a free plan, a Pro plan at $100/month billed yearly (with a 33% annual discount), and a custom-priced Enterprise plan for unlimited trace capacity.

Source
Sila: Does Sila require a sponsor bank?

Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.

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

The Free plan includes 5,000 traces per month with unlimited users and unlimited custom evaluations, aimed at developers and small teams experimenting with GenAI.

Source
Sila: Is Sila still operating?

Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.

Galileo: How is usage metered?

Galileo's pricing scales based on the number of traces processed each month, with Free capped at 5,000, Pro at 50,000, and Enterprise offering unlimited trace capacity.

Source
Sila: What does it cost?

Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

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