Provider profile · 2026 edition
10x Banking review 2026: scores, pricing and alternatives.
A cloud-native core banking platform run as SaaS, built on its Fabric ledger.
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A cloud-native core banking platform run as SaaS, built on its Fabric ledger.
10x Banking scores 2.6 out of 5 (52 out of 100) in the Buckingham Intelligence Core Banking and Ledgers Index 2026 and ranks 4 of 12. It is strongest for banks that need published throughput and uptime figures, with 5 out of 5 for proven scale. Not published or not stated on the pages read: pricing, deployment and product coverage.
Scores from the Core Banking and Ledgers Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For banks and building societies | 59 | 4 of 12 |
| For E-money and payment firms | 50 | 5 of 12 |
| For fintechs building their own products | 46 | 5 of 12 |
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.
Banks that need published throughput and uptime figures.
What 10x Banking publishes on its own pages, read on 26 October 2026.
A cloud-native core banking platform run as SaaS, built on its Fabric ledger. It publishes the strongest scale figures in this edition and names large bank clients. It does not publish prices, named clouds or written certification statements.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Banking products across retail, mutual and corporate banking, including lending; Fabric core ledger; ProductKit SDK and no-code product configuration. |
| Pricing | Not published on the pages read. |
| Deployment | Cloud-native SaaS; no cloud providers named on the pages read. |
| Integration | ProductKit SDK; states an Australian client built a full product suite "in two weeks". |
| 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. |
| Scale | "It processes over 10,000 transactions per second, runs at 99.99% uptime"; more than 100 million accounts stated. |
| 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: 10xbanking.com, 10xbanking.com/core-banking-platforms-compared.
Each score with the evidence behind it.
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
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Thought Machine | 3.5 | 1 of 12 | Large banks replacing a legacy core on the cloud of their choice |
| SDK.finance | 3.0 | 2 of 12 | E-money firms and fintechs wanting a published price |
| Formance | 3.0 | 3 of 12 | Fintech and crypto firms wanting a ledger they can host themselves |
| Pismo | 2.5 | 5 of 12 | Banks and large firms combining cards, lending and accounts |
| Modern Treasury | 2.5 | 6 of 12 | US fintechs wanting a ledger joined to payment rails |
| Mambu | 2.5 | 7 of 12 | Lenders and deposit-takers wanting audited SaaS |
| Temenos | 2.5 | 8 of 12 | Banks in many countries wanting packaged software or SaaS |
| Tuum | 2.3 | 9 of 12 | Banks wanting cloud or on-premise deployment with a stated launch time |
| Zeta | 2.0 | 10 of 12 | Banks launching card programmes |
| Finxact | 2.0 | 11 of 12 | US banks wanting an API-first core with a sandbox |
| Episode Six | 1.3 | 12 of 12 | Issuers wanting one ledger for cards, credit and deposits |
Side by side on every criterion, fact and award.
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