APIs · head to head
Treasury Prime vs Weavr
Treasury Prime
APIs
Banking as a service platform sold to sponsor banks rather than to fintechs
- From
- On request
- Rated
- -
Weavr
APIs
Packaged embedded finance for B2B SaaS, with an in-house EU e-money licence
- From
- On request
- Rated
- -
The short version
- Each has a real cost: 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.; Weavr products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
- They diverge on capability: Treasury Prime covers BankOS, Weavr covers Plug-and-play products.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Treasury Prime and Weavr actually diverge.
| Attribute | Treasury Prime | Weavr |
|---|---|---|
| Platforms | API, Web | Web, REST API |
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 Treasury Prime
- BankOS
- OneKey Banking
- Deposit accounts
- Payments
- Bank oversight tooling
- Ledger and reconciliation
- Programme onboarding
Only in Weavr
- Plug-and-play products
- Regulated cover
- Multi-currency accounts
- Identity and onboarding
- Data insights
Both cover
- Card issuing
What people use each for
The jobs each tool is most often brought in to do.
Treasury Prime
- A community or regional bank that wants to run an embedded finance line with examiner-acceptable oversight of its fintech programmesnot Weavr
- A fintech that has already chosen its sponsor bank and needs API access to that bank rather than to a middleware layernot Weavr
- A company that wants deposits spread across several banks for FDIC coverage beyond a single institution limitnot Weavr
- A bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligationnot Weavr
Weavr
- A project management SaaS adding expense cards without hiring a compliance officernot Treasury Prime
- A marketplace paying out sellers from accounts held inside its own productnot Treasury Prime
- A procurement platform issuing virtual cards against approved purchase ordersnot Treasury Prime
- A European SaaS vendor wanting a regulated entity to sit behind its financial featuresnot Treasury Prime
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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.
Weavr
- Products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
- Programme economics depend on interchange, and SaaS vendors routinely overestimate how much card volume their customers will actually route through the embedded product.
- It is a small company with limited headcount supporting a regulated dependency, which is a real concentration risk for a feature your customers rely on.
- Monthly minimums on card programmes mean a slow-adopting customer base leaves you paying for volume you never reach.
- European interchange caps hold programme revenue well below what US embedded finance case studies suggest, so imported business cases do not transfer.
Pricing, plan by plan
Treasury Prime
On request- BankOS$undefined/year
- Sold to sponsor banks, not directly to fintechs
- Fintech commercial terms are set by the sponsor bank
- Minimum deposits, reserves and per transaction fees vary by bank
Weavr
On request- Weavr embedded finance$undefined/year
- Platform subscription plus per-account and per-card fees
- Interchange share negotiated as part of the commercial terms
- Monthly minimums apply to card programmes
Which should you pick?
Choose Treasury Prime if
- You need bankos.
- You work on API, Web.
- You also want onekey banking.
Choose Weavr if
- You need plug-and-play products.
- You work on Web, REST API.
- You also want regulated cover.
Questions people ask
- Is Treasury Prime or Weavr better?
- Neither clearly leads. Treasury Prime starts at On request and Weavr at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Treasury Prime or Weavr?
- Treasury Prime starts at On request and Weavr at On request.
- Does Treasury Prime or Weavr run on more platforms?
- Treasury Prime runs on API, Web. Weavr runs on Web, REST API.
- What is Treasury Prime best used for?
- Treasury Prime is most often used for a community or regional bank that wants to run an embedded finance line with examiner-acceptable oversight of its fintech programmes, a fintech that has already chosen its sponsor bank and needs api access to that bank rather than to a middleware layer, a company that wants deposits spread across several banks for fdic coverage beyond a single institution limit, a bank replacing a fragile middleware arrangement with a structure where it holds the customer contract and the oversight obligation. Of those, a community or regional bank that wants to run an embedded finance line with examiner-acceptable oversight of its fintech programmes and a fintech that has already chosen its sponsor bank and needs api access to that bank rather than to a middleware layer are not what Weavr is typically brought in for.
- What can Treasury Prime do that Weavr cannot?
- Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments. Weavr covers Plug-and-play products, Regulated cover, Multi-currency accounts, Identity and onboarding. Both handle Card issuing.
Answered from the vendors’ own pages
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.
Weavr: Do I need my own financial licence?
No. Weavr holds an e-money licence, including a Maltese authorisation for the EU, and acts as the regulated entity for the embedded product.
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.
Weavr: How is it different from a banking-as-a-service API?
It sells finished product shapes with compliance built in rather than raw banking primitives, which trades flexibility for a much shorter route to launch.
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.
Weavr: How does Weavr make money?
Platform fees plus per-account and per-card charges, with a negotiated share of card interchange.
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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