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APIs · head to head

Stoplight vs Treasury Prime

Stoplight logo

Stoplight

APIs

API design, documentation, and governance platform

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 Stoplight has a free tier, so it costs nothing to try first.
  • Each has a real cost: Stoplight the free plan allows one project and one user; 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: Stoplight covers API Design, Treasury Prime covers BankOS.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where Stoplight and Treasury Prime differ
AttributeStoplightTreasury Prime
Starting priceFreeOn request
Pricing modelsubscriptionquote
Free tierYesNo
PlatformsWeb, CloudAPI, Web
Founded2014Unknown

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 Stoplight

  • API Design
  • API Documentation
  • Governance
  • GitHub
  • GitLab
  • Jenkins
  • Azure DevOps
  • Web 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.

Stoplight

  • API design and documentationnot Treasury Prime
  • API governance and standardsnot Treasury Prime
  • Team collaboration on API developmentnot Treasury Prime
  • API mocking and testingnot 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 Stoplight
  • A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Stoplight
  • A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Stoplight
  • A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot Stoplight

Where each one falls short

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

Stoplight

  • The free plan allows one project and one user
  • Private projects, multi branch support and custom domains start at the Startup plan, $113 a month billed annually
  • SSO and shared style guides are Pro Team only, at $362 a month billed annually
  • Seats beyond each plan's allowance are $11 to $27 each per month depending on tier and billing period

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

Stoplight

Free
  • FreeFree
    • 1 project
    • 1 user
    • Basic API design and documentation features
  • Basic$56/month
    • Annual: $44/user/year
    • 3 included users; $14 per additional user (monthly)
    • Unlimited projects
  • Startup$147/month
    • Annual: $113/user/year
    • 8 included users; $14 per additional user (monthly)
    • Private projects
  • Pro Team$453/month
    • Annual: $362/user/year
    • 15 included users; $27 per additional user (monthly)
    • Up to 20 teams

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 Stoplight if

  • You need api design.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want api documentation.
Stoplight 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 Stoplight or Treasury Prime better?
Neither clearly leads. Stoplight 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, Stoplight or Treasury Prime?
Stoplight has a free tier; the other does not. Paid plans start at Free for Stoplight and On request for Treasury Prime.
Does Stoplight or Treasury Prime run on more platforms?
Stoplight runs on Web, Cloud. Treasury Prime runs on API, Web.
Can I use Stoplight for free?
Yes. Stoplight has a free tier, so you can try it without paying. Treasury Prime starts at On request.
What is Stoplight best used for?
Stoplight is most often used for api design and documentation, api governance and standards, team collaboration on api development, api mocking and testing. Of those, api design and documentation and api governance and standards are not what Treasury Prime is typically brought in for.
What can Stoplight do that Treasury Prime cannot?
Stoplight covers API Design, API Documentation, Governance, GitHub. Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments.

Answered from the vendors’ own pages

Stoplight: How much does Stoplight cost?

Stoplight starts with a free plan (1 project, 1 user), then Basic at $56/month per user (or $44/year), Startup at $147/month per user (or $113/year), Pro Team at $453/month per user (or $362/year), and Enterprise at custom pricing.

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.

Stoplight: How many included users are in each Stoplight plan?

Basic includes 3 users, Startup includes 8 users, and Pro Team includes 15 users. Additional users beyond the included count cost $14/month for Basic and Startup, or $27/month for Pro Team.

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.

Stoplight: Does Stoplight offer a free trial?

Yes, all paid Stoplight plans include a 14-day free trial. The free plan has no trial period as it is always available.

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.

Stoplight: Does Stoplight's free plan have limitations?

Yes, the free plan includes only 1 project and 1 user. Users viewing public documentation anonymously are not counted toward the 1-user limit.

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.

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