As far as I know SQLdb also uses the transactions internally. So it's not only working with the transactions of the database, but it has somekind of TDatasetprovider (Delphi) built in code. With applyupdate/commit you tell the TSQLQuery (which is a descendant of TBufdataset) to create an internal query to save the modified data to the database.
That's how I notice SQLdb through the year I'm working with.
There are a several frameworks who's directly save data to a SQLite database without using transactions.
I'm not sure, but ZEOS talks to SQLite direcly.