Mbanq Cloud vs Treezor
Mbanq Cloud
mbanq.comTreezor
treezor.comSide by side
| Figure | Mbanq Cloud | Treezor |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Banking-as-a-Service Platforms | 8.5 (#3) | 7.2 (#24) |
| Authentication | API authentication uses OAuth 2 bearer tokens, tenant identifiers, JSON payloads and HTTPS requests. | Treezor's API documentation says every API call must use HTTPS and include a JSON Web Token in the Authorization header. |
| Headquarters | LinkedIn lists headquarters in Naples, Florida, at 4850 Tamiami Trail North, Unit 301. | Paris, France |
| Integrations | Mbanq says it partnered with IBM and Amazon Web Services through its Mbanq Labs accelerator program. | Treezor’s card services support Apple Pay, Google Pay, and Samsung Pay. |
| Product | Mbanq Cloud is a cloud-based banking platform for fintechs and neobanks to launch banking instances and financial products. | Treezor provides Banking-as-a-Service for embedding financial services through an API. |
| Sandbox | A sandbox supports API testing, account and transaction simulations, data manipulation, error testing and load testing. | Treezor says a free, dedicated sandbox is available to each customer for testing. |
| Security | The platform lists multi-factor authentication, maker/checker workflows, configurable password policies, and granular roles and permissions. | Treezor lists PCI DSS and ISO 27001 among its security credentials and describes itself as an ACPR-licensed electronic money institution. |
| What it does | Mbanq Cloud is a cloud banking-as-a-service platform for fintechs, neobanks, challenger banks and credit unions. | Treezor provides embedded finance and Banking-as-a-Service through APIs, covering services across the payment chain from receiving to issuing payments. |
Plans
In their own words
Mbanq Cloud
Mbanq Cloud is banking infrastructure for fintech platforms, neobanks, embedded finance products, and software platforms adding financial services. It brings together core banking, regulatory compliance, and operational management, while Mbanq operates the infrastructure and manages the compliance layer alongside a client’s product. Operations and compliance teams have a web Back Office; IT users have a web Console, and bank clients can use a template web banking application. White label-ready mobile banking apps are available for iOS and Android. REST and GraphQL APIs provide access to core banking functions, and users can add third-party services or build extensions. Listed payment rails include ACH, Fedwire, SWIFT, RTP, Check 21 processing, and card issuing and acquiring. KYC and KYB tools cover risk assessment, SSN verification, OFAC screening, document checks, and liveness checks. Security measures include multi-factor authentication, maker/checker workflows, configurable password policies, and granular permissions. Pricing is pay as you grow, with infrastructure, support, and operational costs included; no price is listed.
Treezor
Treezor provides Banking-as-a-Service for businesses embedding financial services through APIs. Its services cover payment accounts and wallets with virtual and local IBANs, core banking, KYC/KYB, card issuing and processing, acquiring, and SEPA and international payments. Businesses can offer physical or virtual Visa and Mastercard cards linked to accounts, with configurable controls and limits. The REST API exchanges JSON and requires HTTPS requests with a JSON Web Token in the Authorization header. Each customer can use a dedicated sandbox for testing, while dashboards support team onboarding and operations monitoring. Card services work with Apple Pay, Google Pay, and Samsung Pay. Authentication options include WebNative for browsers and mobile devices, native iOS and Android SDKs, and bridges for React Native, Flutter, and Capacitor. Treezor says it is an ACPR-authorized electronic money institution with authorization to operate in 25 countries. Its supported regions include Belgium, France, Germany, Italy, Luxembourg, Spain, and The Netherlands. Pricing is on request.