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APIs · head to head

Treasury Prime vs Yapily

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
Yapily logo

Yapily

APIs

Open banking API infrastructure for account data and pay-by-bank payments across Europe

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Yapily has a free tier, so it costs nothing to try first.
  • 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.; Yapily production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • They diverge on capability: Treasury Prime covers BankOS, Yapily covers Unified open banking API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where Treasury Prime and Yapily differ
AttributeTreasury PrimeYapily
Starting priceOn requestFree
Pricing modelquoteFree sandbox, pay-as-you-go production
Free tierNoYes
PlatformsAPI, WebWeb, API

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 Treasury Prime

  • BankOS
  • OneKey Banking
  • Deposit accounts
  • Payments
  • Card issuing
  • Bank oversight tooling
  • Ledger and reconciliation
  • Programme onboarding

Only in Yapily

  • Unified open banking API
  • Account information access
  • Payment initiation
  • Free sandbox
  • Multi-country bank coverage
  • Webhooks and reconciliation tooling

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

Yapily

  • A merchant wanting a lower-cost payment method alongside card acceptancenot Treasury Prime
  • A lending or budgeting product needing bank account data for affordability checksnot Treasury Prime
  • A business wanting one API instead of separate integrations to each bank's own open banking standardnot Treasury Prime
  • A company prototyping open banking features for free in sandbox before committing budgetnot 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.

Yapily

  • Production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • Consumer adoption of pay-by-bank still lags card payments, so merchants offering it as a checkout option typically see it used as a secondary rather than primary payment method.
  • Coverage depends on the banks in each country maintaining reliable open banking APIs, and inconsistent bank-side reliability across markets is a known category-wide weakness, not unique to Yapily but not solved by it either.
  • As infrastructure for both account data and payments, a company only needing one of those two capabilities is still evaluating a broader platform than it may need.
  • Regulatory dependence on PSD2 and UK open banking rules means the underlying legal framework, not just Yapily's product, could shift and affect what is possible on the platform.

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

Yapily

Free
  • SandboxFree
    • Free testing environment
    • UK and European bank connections for development
  • Production$undefined/month
    • Pay-as-you-go pricing, exact rates not published
    • Typical pay-by-bank cost of 0.1 to 0.5% or a flat 5 to 30 pence per transaction

Which should you pick?

Choose Treasury Prime if

  • You need bankos.
  • You work on API, Web.
  • You also want onekey banking.
Treasury Prime review

Choose Yapily if

  • You need unified open banking api.
  • You want to start without paying.
  • You work on Web, API.
  • You also want account information access.
Yapily review

Questions people ask

Is Treasury Prime or Yapily better?
Neither clearly leads. Treasury Prime starts at On request and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Treasury Prime or Yapily?
Yapily has a free tier; the other does not. Paid plans start at On request for Treasury Prime and Free for Yapily.
Does Treasury Prime or Yapily run on more platforms?
Treasury Prime runs on API, Web. Yapily runs on Web, API.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. Treasury Prime starts at On request.
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 Yapily is typically brought in for.
What can Treasury Prime do that Yapily cannot?
Treasury Prime covers BankOS, OneKey Banking, Deposit accounts, Payments. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

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.

Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

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.

Yapily: How much cheaper is pay-by-bank than card payments?

Typically 0.1 to 0.5% of transaction value, or a flat 5 to 30 pence, against 1.5 to 3.5% for card scheme fees.

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.

Yapily: Is production pricing published?

No, production access is pay-as-you-go but exact rates require a sales conversation.

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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