APIs · head to head
Sila vs Treasury Prime
Sila
APIs
US money movement API for ACH, RTP and FedNow with KYC and ledgering built in
- From
- On request
- Rated
- -
Treasury Prime
APIs
Banking as a service platform sold to sponsor banks rather than to fintechs
- From
- On request
- Rated
- -
The short version
- Each has a real cost: 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.; 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: Sila covers ACH origination, Treasury Prime covers BankOS.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Sila and Treasury Prime actually diverge.
| Attribute | Sila | Treasury Prime |
|---|---|---|
| Platforms | Web, API | API, Web |
Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Sila
- ACH origination
- Instant rails
- KYC and KYB
- Virtual accounts
- Ledger
- Wallets and holds
- Webhooks
- Bank-side deployment
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.
Sila
- A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Treasury Prime
- A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Treasury Prime
- A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Treasury Prime
- A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot 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 Sila
- A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Sila
- A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Sila
- A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot Sila
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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.
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
Sila
On request- Sila Payments Platform$undefined/month
- ACH, RTP and FedNow
- KYC and KYB verification
- Virtual accounts and ledger
Treasury Prime
On request- BankOS$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 Treasury Prime if
- You need bankos.
- You work on API, Web.
- You also want onekey banking.
Questions people ask
- Is Sila or Treasury Prime better?
- Neither clearly leads. Sila starts at On request and Treasury Prime at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Sila or Treasury Prime?
- Sila starts at On request and Treasury Prime at On request.
- Does Sila or Treasury Prime run on more platforms?
- Sila runs on Web, API. Treasury Prime runs on API, Web.
- What is Sila best used for?
- Sila is most often used for a small fintech that needs ach, identity verification and a ledger from one vendor because it has no compliance team to assemble three, a marketplace paying out to sellers that wants same-day ach and instant push options without becoming a money transmitter itself, a community bank replacing batch file ach processing with an api so it can offer real-time payments to business customers, a lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integration. Of those, a small fintech that needs ach, identity verification and a ledger from one vendor because it has no compliance team to assemble three and a marketplace paying out to sellers that wants same-day ach and instant push options without becoming a money transmitter itself are not what Treasury Prime is typically brought in for.
- What can Sila do that Treasury Prime cannot?
- Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts. Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments.
Answered from the vendors’ own pages
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.
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.
Sila: Is Sila still operating?
Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.
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.
Sila: What does it cost?
Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.
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.
Sila: Can I use it outside the United States?
No. Sila covers US rails only.
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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