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APIs · head to head

Thunder Client vs Treasury Prime

Thunder Client logo

Thunder Client

APIs

Lightweight REST API client built as VSCode extension

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 Thunder Client has a free tier, so it costs nothing to try first.
  • Each has a real cost: Thunder Client paid plans are billed annually only: Starter is $3 per user per month and capped at a maximum of 10 seats, Business is $7 per user per month with 500 monthly collection runs per user, and Enterprise is $16 per user per month for unlimited runs; 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: Thunder Client covers REST Client, Treasury Prime covers BankOS.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Thunder Client and Treasury Prime actually diverge.

Attributes where Thunder Client and Treasury Prime differ
AttributeThunder ClientTreasury Prime
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsVSCode extension, WebAPI, Web
Founded2021Unknown

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 Thunder Client

  • REST Client
  • Environment variables
  • Response testing
  • VSCode
  • GitHub
  • Webhook support
  • VSCode extension support
  • 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.

Thunder Client

  • API Developmentnot Treasury Prime
  • API Gatewaynot Treasury Prime
  • API Testingnot Treasury Prime
  • API Documentationnot Treasury Prime
  • Microservicesnot 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 Thunder Client
  • A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Thunder Client
  • A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Thunder Client
  • A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot Thunder Client

Where each one falls short

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

Thunder Client

  • Paid plans are billed annually only: Starter is $3 per user per month and capped at a maximum of 10 seats, Business is $7 per user per month with 500 monthly collection runs per user, and Enterprise is $16 per user per month for unlimited runs

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

Thunder Client

Free
  • FreeFree
    • REST client
    • Collection management
    • Local testing
  • Pro$8/monthly
    • Cloud sync
    • Team collaboration
    • Advanced features

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 Thunder Client if

  • You need rest client.
  • You want to start without paying.
  • You work on VSCode extension, Web.
  • You also want environment variables.
Thunder Client 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 Thunder Client or Treasury Prime better?
Neither clearly leads. Thunder Client 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, Thunder Client or Treasury Prime?
Thunder Client has a free tier; the other does not. Paid plans start at Free for Thunder Client and On request for Treasury Prime.
Does Thunder Client or Treasury Prime run on more platforms?
Thunder Client runs on VSCode extension, Web. Treasury Prime runs on API, Web.
Can I use Thunder Client for free?
Yes. Thunder Client has a free tier, so you can try it without paying. Treasury Prime starts at On request.
What is Thunder Client best used for?
Thunder Client is most often used for api development, api gateway, api testing, api documentation. Of those, api development and api gateway are not what Treasury Prime is typically brought in for.
What can Thunder Client do that Treasury Prime cannot?
Thunder Client covers REST Client, Environment variables, Response testing, VSCode. Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments.

Answered from the vendors’ own pages

Thunder Client: How much does Thunder Client cost?

Thunder Client publishes a free plan at no cost, then Starter at $3, Business at $7 and Enterprise at $16, all priced annually.

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.

Thunder Client: Is Thunder Client free?

Yes, there is a free plan. It is used through the Thunder Client extension for VS Code, available from the marketplace, with limits applied compared with the paid tiers.

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.

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.

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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