Cost as usage scales
MAU and signatures scale together proportionally per row. Privy and Dynamic step up in flat tiers; Turnkey PAYG and Pro scale linearly with signatures.
| UAM | Privy | Dynamic | Turnkey PAYG | Turnkey Pro |
|---|
Tiered-by-MAU, base-plus-overage, and pure-per-signature are three different bets on how you'll grow
Privy steps through flat monthly tiers keyed to MAU — free for 0–499, $299 for 500–2,499, $499 for 2,500–9,999 — then switches to a published Enterprise formula past 10,000 MAU: $2,000 base plus $0.05 per MAU over 10,000 and $0.01 per signature over 50,000. Dynamic (acquired by Fireblocks in 2025) uses a simpler two-stage shape: free up to 1,000 MAU, $249/month flat from 1,000–5,000, then $0.05 per MAU for every user past 5,000 with no upper tier at all. Turnkey breaks from MAU-based pricing entirely — it bills per signature, meaning what you pay tracks how often wallets actually sign something, not how many people are registered. Its Pay-as-you-go plan charges $0.10/signature after 25 free ones monthly; its $99/month Pro plan halves that to $0.05/signature, which only pays for itself once you're generating roughly 1,980+ signatures a month.
The practical split: apps with many registered users who rarely transact (a portfolio tracker, a loyalty app that mints once) tend to land cheaper on Turnkey, since MAU doesn't factor into its bill at all. Apps where most active users sign frequently — trading interfaces, on-chain games, anything with constant write activity — can push Turnkey's per-signature cost past what Privy or Dynamic's flat MAU tier would charge for the same user base. Neither Privy nor Dynamic publishes a per-signature cap, so their flat tiers stay flat regardless of how hard each user hammers the sign button, which is the opposite trade-off. If you're also estimating the identity/login layer sitting next to wallet infrastructure, pair this with the Auth0 vs Clerk vs WorkOS calculator.
Comment fonctionne cette calculatrice
Le Privy vs Dynamic vs Turnkey Cost Calculator compares three embedded-wallet infrastructure pricing shapes at your own monthly active users (MAU) and signature count. Privy's cost steps through flat tiers by MAU (free/$299/$499) then becomes $2,000 + max(0,MAU−10,000)×$0.05 + max(0,signatures−50,000)×$0.01 past 10,000 MAU. Dynamic's cost is free under 1,000 MAU, $249 flat from 1,000–5,000, then $249 + (MAU−5,000)×$0.05 beyond that. Turnkey ignores MAU and bills purely on signatures: Pay-as-you-go is max(0,signatures−25)×$0.10, Pro is $99 + signatures×$0.05. The table below scales both your MAU and signature inputs together from a quarter to 5x your numbers, so you can see where each pricing shape pulls ahead at your own growth trajectory.
These are each vendor's published self-serve tiers as of October 2026 (privy.io/pricing, dynamic.xyz/pricing, turnkey.com/pricing). All three also offer custom Enterprise pricing beyond what's modeled here — Privy's Enterprise tier can be fully negotiated past the published overage formula, and Turnkey's Enterprise rate goes as low as $0.0015/signature with unlimited wallets, neither of which is reflected in these self-serve defaults. All fields are editable.
Questions fréquemment posées
Why does Turnkey price per signature instead of per user, like Privy and Dynamic do?
Turnkey positions itself as raw key-management infrastructure rather than a user-facing wallet product — it's commonly embedded behind other products (including some wallet SDKs themselves) that handle the MAU-facing side separately. Billing per signature means Turnkey's cost tracks how much signing activity your app actually generates (transactions, approvals, session-key operations) rather than how many people merely logged in, which can make it cheaper for apps with many registered users but low signing frequency, and more expensive for apps where every user signs constantly (high-frequency trading bots, for example).
What's the real difference between Turnkey's Pay-as-you-go and Pro plans?
Pay-as-you-go has no monthly fee and charges $0.10 per signature after 25 free ones a month — simple, but it scales linearly with no volume discount. Pro costs $99/month flat plus $0.05 per signature (half the per-unit rate), so it only pays for itself once your signature volume is high enough that the rate cut outweighs the $99 base fee — roughly 1,980 signatures/month is the breakeven point at these two rates. Below that, Pay-as-you-go is cheaper; above it, Pro wins and the gap keeps widening with volume.
Is Privy's $2,000 overage tier really self-serve, or do I need to talk to sales?
Privy publishes the $2,000 base plus $0.05-per-MAU-over-10,000 and $0.01-per-signature-over-50,000 formula on its public pricing page, which is unusual — most vendors hide anything past their mid tier behind a "Contact sales" wall. That said, Privy itself labels this an Enterprise tier, and very large or unusual usage patterns can still be renegotiated with a custom quote. Treat the published formula as a reliable estimate for planning, not a guaranteed final invoice at extreme scale.
What exactly counts as a "signature" — does checking a wallet balance count?
No — reading on-chain data (balances, NFT ownership, transaction history) is free and doesn't touch the signing infrastructure at all, since it never requires the wallet's private key. A signature is counted only when the embedded wallet actually signs something with its key: sending a transaction, approving a token allowance, signing a message for login, or authorizing a session key. Apps with read-heavy UIs (portfolio trackers, explorers) generate very few billable signatures relative to their MAU; apps where every action is an on-chain write (trading, gaming with on-chain state) generate many more.
Which of the three is actually cheapest for my app?
It depends entirely on your MAU-to-signature ratio, which is why this calculator takes both numbers rather than just one. High-MAU, low-signature apps (most users just hold or occasionally check their wallet) tend to favor Turnkey, since its cost is driven by signatures, not logins. High-signature, moderate-MAU apps (trading, gaming, frequent on-chain actions) can make Turnkey's per-signature fee add up fast, while Privy and Dynamic's flat MAU tiers stay fixed regardless of how often each user signs. Run your own numbers above — there's no universal winner, only a cheaper shape for your specific usage pattern.