Provider profile · 2026 edition
SDK.finance review 2026: scores, pricing and alternatives.
A transaction and ledger platform for wallets, accounts, card issuing and money transfer, sold as SaaS or as a source code licence.
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A transaction and ledger platform for wallets, accounts, card issuing and money transfer, sold as SaaS or as a source code licence.
SDK.finance scores 3.0 out of 5 (60 out of 100) in the Buckingham Intelligence Core Banking and Ledgers Index 2026 and ranks 2 of 12. It is strongest for e-money firms and fintechs wanting a published price, with 5 out of 5 for published pricing. Not published or not stated on the pages read: product coverage, deployment choice, security and regulated clients and proven scale.
Scores from the Core Banking and Ledgers Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For banks and building societies | 52 | 9 of 12 |
| For E-money and payment firms | 60 | 3 of 12 |
| For fintechs building their own products | 68 | 1 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.
E-money firms and fintechs wanting a published price.
What SDK.finance publishes on its own pages, read on 26 October 2026.
A transaction and ledger platform for wallets, accounts, card issuing and money transfer, sold as SaaS or as a source code licence. It is the only provider in this edition to publish a monthly and per-transaction price. It does not publish certifications or scale figures for the platform itself.
| Fact | What the provider publishes |
|---|---|
| Product coverage | Solutions for digital wallets, core banking, money transfer and remittance, card issuing and merchant payment processing; "Individual & business accounts". |
| Pricing | 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 | SaaS, or source code licence "Hosted on your servers (on-premises, dedicated datacenter)". |
| Integration | API reference, documentation and release notes; "Back-office Real-time Sandbox" demo. |
| Security and clients | "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. |
| 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: sdk.finance/pricing, sdk.finance/pricing-saas.
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 |
| Formance | 3.0 | 3 of 12 | Fintech and crypto firms wanting a ledger they can host themselves |
| 10x Banking | 2.6 | 4 of 12 | Banks that need published throughput and uptime figures |
| 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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