Directory Industry SolutionsBanking & Financial ServicesSDK.finance

SDK.finance

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Core banking software to launch banking and payment products and modernize the systems that run them.

About SDK.finance

SDK.finance sells core banking and payments software that banks and fintech companies use to launch and run digital banking, wallet and payment products. Its Transaction Platform provides multi-currency accounts, digital wallets, card issuing, payments, KYC/KYB and AML tools, a back office for staff, and iOS and Android apps for end customers, with 650+ REST APIs for integration. It is sold as managed SaaS or under a source code license that lets the customer modify the platform and run it on its own infrastructure, on premises or in the cloud. SDK.finance is certified to PCI DSS Level 1 and ISO 27001:2022. Customers include banks, neobanks, payment service providers and electronic money institutions, from startups to large financial institutions.

How to evaluate Banking & Financial Services

This is how the CIOPages Research Team evaluates this category. It is not an assessment of SDK.finance. It comes from our Core Banking & Financial Services Platforms buyer guide.

25%

Migration & Coexistence Tooling

Proven data-migration accelerators and balance/history conversion tooling, dual-run and reconciliation support, ability to run alongside the legacy core during a strangler migration, rollback path, and a track record of completed migrations (not just greenfield go-lives) at institutions of your size and complexity

20%

Product Engine & Ledger Flexibility

How new products are defined and changed (parameter-driven configuration vs. smart-contract / code, time-to-launch without a release), real-time vs. batch/end-of-day ledger, multi-entity / multi-currency / multi-GAAP, and coverage of your actual product set (retail, SME, commercial, wealth, Islamic) out of the box vs. via build

20%

Real-Time, Payments & ISO 20022

Native ISO 20022 data model (not edge translation now that SWIFT coexistence has ended), connectivity to instant rails (FedNow, RTP, SEPA Inst, faster payments), 24×7 availability with no end-of-day freeze, real-time posting and balances, and how cleanly payments and the core interoperate

15%

Resilience, Security & Regulatory Fit

Demonstrable RTO/RPO and proven failover for a system of record, data residency and in-country deployment options, audit and supervisory reporting, resolution/exit and data-portability provisions, and certifications (SOC 2, ISO 27001, PCI DSS) plus the regulator’s comfort with the deployment model

10%

Openness, APIs & Composability

Breadth and quality of documented APIs and event streams, open-finance / BaaS readiness, marketplace and pre-built fintech connectors, headless / coreless fit with a separate engagement layer, and whether AI agents can reach a governed, real-time system of record

10%

Deployment Model & Vendor Viability

SaaS vs. managed cloud vs. self-hosted and cloud-provider choice/lock-in, consumption vs. capacity economics, implementation-partner ecosystem and skills availability — and, especially for venture-backed challengers, financial durability, ownership stability, and what your exit looks like if the vendor is sold or retrenches

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Quick Facts

sdk.finance

CategoryIndustry Solutions

SubcategoryBanking & Financial Services

Founded2013

HeadquartersVilnius, Lithuania, London, UK

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Buyer Guide

Core Banking & Financial Services Platforms

Checklist

Cloud FinOps Maturity Checklist

Assess cloud financial management capabilities across visibility, optimization, and governance.

Job 02

Govern the AI already in use

Staff already use AI tools nobody approved, and most SaaS products now ship AI features by default.