Provider profile · 2026 edition
Treasury Prime review 2026: scores, products and alternatives.
A US embedded banking platform that connects fintech programmes to a network of more than 20 partner banks for accounts, deposits and payments.
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A US embedded banking platform that connects fintech programmes to a network of more than 20 partner banks for accounts, deposits and payments.
Treasury Prime is ranked in 2 Buckingham Intelligence indices. Its highest score is 2.1 out of 5 (42 out of 100) in the Embedded Finance and Insurance Index, where it ranks 11 of 14. It is strongest for US fintechs wanting a choice of sponsor banks, and its best criterion is integration and launch at 4 out of 5. Not published or not stated on the pages read: regulatory standing, published pricing and security.
Also ranked in: Banking-as-a-Service and Sponsor Banks Index (1.9 out of 5, rank 11 of 11).
Scores from the Banking-as-a-Service and Sponsor Banks Index and Embedded Finance and Insurance Index 2026.
No award in the Embedded Finance and Insurance Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For software and platform companies | 45 | 11 of 14 |
| For retailers, travel and marketplaces | 47 | 12 of 14 |
| For regulated firms adding products | 35 | 13 of 14 |
No award in the Banking-as-a-Service and Sponsor Banks Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For fintechs launching accounts and cards | 35 | 11 of 11 |
| For software platforms embedding finance | 35 | 11 of 11 |
| For regulated payment and e-money firms | 42 | 10 of 11 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US fintechs wanting a choice of sponsor banks.
US banks running their own fintech programmes.
What Treasury Prime publishes on its own pages, read on 26 October 2026.
A US embedded banking platform that connects fintech programmes to a network of more than 20 partner banks for accounts, deposits and payments. It publishes a 30-second sandbox and a launch in weeks. It holds no licence of its own on the pages read, and publishes no prices or security certificates there.
| Fact | What the provider publishes |
|---|---|
| Model | "Fintechs launch with the right bank out of 20+ and reach more as they grow"; "One marketplace submission, access to 20+ banks". |
| Products | "Deposits, accounts, and payments flow between your program and every partner bank"; ledger and reconciliation. |
| Integration | "Ship in weeks. Sandbox in 30 seconds." "Real REST APIs, full sandbox, simulations, webhooks, Postman workspace." |
| Scale | "$170B+ in annual volume". |
| Regulatory standing | Banking provided through partner banks; Treasury Prime's own licence and the banks' names not published on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: treasuryprime.com, treasuryprime.com/fintechs/compliance.
Treasury Prime sells the software layer that lets US banks run embedded banking programmes, with accounts on the bank's own core system and a direct Federal Reserve payment connection, across 20+ partner banks. Its pages are written for banks, which hold the charter and run the programme. It does not publish prices, compliance services or security audits on the pages read.
| Fact | What the provider publishes |
|---|---|
| Product range | Three account models, including Core Direct ("Every account is a real account on your core"); Payment Hub ("A direct Fed connection with no third-party gateway"); cards only in a case study. |
| Pricing | Not published on the pages read. |
| Licence and deposit protection | 20+ partner banks; named: KeyBank, Grasshopper Bank, Bangor Savings Bank, OMB Bank, FirstBank and Academy Bank. |
| Compliance support | "You hold the charter and run the program"; KYC, KYB and transaction monitoring services not described. |
| Integration | "a single bank-grade API"; developer sandbox; Bangor "filled a card BIN with nine card programs in ten weeks". |
| Security | Trust Center linked; no certification named on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: treasuryprime.com/products/overview.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Embedded Finance and Insurance Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Banking-as-a-Service and Sponsor Banks Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Qover | 4.2 | 1 of 14 | Firms selling cover across Europe and the UK |
| Cover Genius | 3.6 | 2 of 14 | Global retailers, airlines and marketplaces selling cover in many countries |
| Weavr | 3.6 | 3 of 14 | UK and EU software firms adding accounts and cards at a published price |
| Unit | 3.0 | 4 of 14 | US software firms adding accounts, cards and credit |
| Swan | 2.8 | 5 of 14 | European software firms wanting accounts and cards under their own brand |
| Solaris | 2.7 | 6 of 14 | European brands wanting accounts, cards and consumer lending under a bank licence |
| bolttech | 2.6 | 7 of 14 | Telecoms, retailers and banks selling device and travel cover in many markets |
| YouLend | 2.5 | 8 of 14 | Marketplaces and payment firms offering merchant finance quickly |
| Liberis | 2.5 | 9 of 14 | Payment and software platforms offering funding to small businesses |
| Igloo | 2.4 | 10 of 14 | Ecommerce, telecoms and finance firms selling cover in Southeast Asia |
| Synctera | 2.1 | 12 of 14 | US and Canadian fintechs launching accounts and cards with a sponsor bank |
| Boost Insurance | 2.0 | 13 of 14 | US insurtechs and platforms launching their own branded programmes |
| Railsr | 1.8 | 14 of 14 | Brands testing card and wallet products through staged sandboxes |
Full Embedded Finance and Insurance Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Swan | 3.9 | 1 of 11 | European software platforms wanting accounts and cards fast, with no-code screens |
| Solaris | 3.9 | 2 of 11 | European fintechs wanting a licensed bank that carries the compliance work |
| Airwallex | 3.8 | 3 of 11 | Platforms serving business customers in many countries from one integration |
| Weavr | 3.2 | 4 of 11 | UK and EU business software adding accounts and cards at a fixed monthly price |
| Griffin | 3.2 | 5 of 11 | UK fintechs and platforms wanting a bank with published plan tiers and fast onboarding |
| ClearBank | 3.2 | 6 of 11 | UK payment and e-money firms wanting FSCS-protected accounts and direct UK payment access |
| Synctera | 2.8 | 7 of 11 | Fintechs in the US and Canada wanting onboarding and monitoring built in |
| Column | 2.6 | 8 of 11 | US fintechs wanting to build directly on a chartered bank rather than through a middle layer |
| Increase | 2.6 | 9 of 11 | US platforms wanting a fully priced payments and accounts API |
| Unit | 2.4 | 10 of 11 | US software platforms wanting ready-made banking screens |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Treasury Prime is compared with its alternatives in the table above.
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