Comparison · 2026 edition
10x Banking vs SDK.finance: core banking compared 2026.
10x Banking and SDK.finance side by side in the Core Banking and Ledgers Index 2026: scores, evidence, published facts and awards.
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10x Banking and SDK.finance side by side in the Core Banking and Ledgers Index 2026: scores, evidence, published facts and awards.
In the Core Banking and Ledgers Index, SDK.finance scores higher overall: 3.0 out of 5 (60 out of 100) against 2.6 (52), ranking 2 and 4 of 12. 10x Banking scores higher for banks and building societies; SDK.finance scores higher for e-money and payment firms and fintechs building their own products.
Overall and segment scores out of 100, and the score out of 5.
| Score | 10x Banking | SDK.finance |
|---|---|---|
| Score out of 5 | 2.6 | 3.0 |
| Score out of 100 | 52 | 60 |
| Overall rank | 4 of 12 | 2 of 12 |
| For banks and building societies (out of 100) | 59, rank 4 | 52, rank 9 |
| For E-money and payment firms (out of 100) | 50, rank 5 | 60, rank 3 |
| For fintechs building their own products (out of 100) | 46, rank 5 | 68, rank 1 |
| Type | Cloud-native core banking platform | Core banking and wallet platform |
Each score with the evidence behind it.
| Criterion | 10x Banking | SDK.finance |
|---|---|---|
| Product coverage | 3/5 Deposits and lending published; cards, payments and multi-currency not confirmed on the pages read. | 3/5 Accounts, cards and payments published; lending and multi-currency not confirmed. |
| Published pricing | 0/5 Not published. | 5/5 Monthly and per-transaction SaaS price published. |
| Deployment choice | 2/5 Vendor-run SaaS only; no cloud named. | 4/5 SaaS and on-premise published; no named cloud. |
| Integration | 3/5 SDK and a stated launch example; no public sandbox found. | 4/5 API reference and sandbox; no launch time. |
| Security and regulated clients | 3/5 Named regulated banks; certifications shown as logos only. | 1/5 Case-study clients named; no certifications published. |
| Proven scale | 5/5 Throughput, uptime and account figures published. | 0/5 Not published for the platform. |
Each criterion is scored 0 to 5 against the best published offer in the Core Banking and Ledgers Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | 10x Banking | SDK.finance |
|---|---|---|
| Product coverage | Banking products across retail, mutual and corporate banking, including lending; Fabric core ledger; ProductKit SDK and no-code product configuration. | Solutions for digital wallets, core banking, money transfer and remittance, card issuing and merchant payment processing; "Individual & business accounts". |
| Pricing | Not published on the pages read. | SaaS: "First 3 months: flat fee €10,000", then "Monthly payment = €5,500 + €0.05 per transaction". Source code licence: annual or lifetime, price on request. |
| Deployment | Cloud-native SaaS; no cloud providers named on the pages read. | SaaS, or source code licence "Hosted on your servers (on-premises, dedicated datacenter)". |
| Integration | ProductKit SDK; states an Australian client built a full product suite "in two weeks". | API reference, documentation and release notes; "Back-office Real-time Sandbox" demo. |
| Security and clients | AICPA SOC and BSI ISO 27001 logos shown, with no written statement. Named clients: Chase UK, Westpac, Old Mutual, West Brom Building Society, The Co-operative Bank. | "TechFin UAB ... is not a bank, financial or payment institution." Case studies name Geidea, MPAY, TheOneGate, Paywell and Nebeus. No certifications found on the pages read. |
| Scale | "It processes over 10,000 transactions per second, runs at 99.99% uptime"; more than 100 million accounts stated. | Not listed in this index |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by 10x Banking: pricing, deployment and product coverage.
Not published or not stated by SDK.finance: product coverage, deployment choice, security and regulated clients and proven scale.
Facts read on 26 October 2026 from: 10xbanking.com, 10xbanking.com/core-banking-platforms-compared; and sdk.finance/pricing, sdk.finance/pricing-saas.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Banks that need published throughput and uptime figures.
E-money firms and fintechs wanting a published price.
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