10x Banking Platform
10x Banking Platform is cloud-based core banking software for financial institutions building retail, mutual, SME, corporate, commercial, or embedded finance…
What 10x Banking Platform is
10x Banking Platform is cloud-based core banking software for financial institutions building retail, mutual, SME, corporate, commercial, or embedded finance propositions. ProductKit provides an SDK and APIs for building and updating financial products; a no-code builder and custom business logic hooks support product configuration. Its AI tools generate configurations from plain-English descriptions, answer questions using real-time data, and automate legacy banking data mapping. A real-time ledger serves as a record for transactions, balances, and corrections. The platform supports loan management and real-time processing, and identifies AWS as its cloud partner. 10x lists more than 25 integrations and delivery partners across payments, identity, fraud, cloud, and data streaming. The company says client data is encrypted at rest and in transit, and lists ISO 27001, ISO 27017, ISO 27018, and SOC 2 Type II certifications. 10x says it is not a bank and does not hold a banking license. There is no public standard price; commercial terms are available on request, and no free plan is listed.
Good
- No-code product builder and ProductKit SDK
- Real-time ledger, processing, and loan management
- AI tools for configuration, questions, and data mapping
- More than 25 integrations and delivery partners
- Lists four security certifications
Watch out
- No free plan
- Production pricing is not public
- 10x does not hold a banking license
Who it suits
It is aimed at banks, building societies, mutuals, specialty lenders, and non-bank brands embedding financial services. It may suit teams seeking configurable banking products, APIs, and real-time processing.
Verdict
10x Banking Platform combines product-building tools, a real-time ledger, APIs, and AI features for financial institutions. Buyers will need to request commercial terms and account for the fact that 10x does not itself operate as a bank or hold a banking license.
Plans and prices
From 10x Banking Platform's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| 10x Banking Platform | Priced on request | For financial institutions; production pricing not listed publicly · Contact 10x for a platform demo and commercial terms. |
The facts
Each one read from 10x Banking Platform's own pages, with the date it was checked.
What it does
- AI features
- AI Build generates product configuration from plain English, AI Learn answers questions using real-time data, and AI Migrate automates legacy data mapping.checked 8 Oct 2026
- AI tools
- AI Build generates product configuration from a plain English description, AI Learn answers questions using real-time data, and AI Migrate automates mapping legacy banking data.checked 7 Oct 2026
- Availability
- The platform page lists 99.99% world-class uptime.checked 7 Oct 2026
- Certifications
- 10x says it holds ISO 27001, ISO 27017, ISO 27018, and SOC 2 Type II certifications.checked 7 Oct 2026
- Cloud partner
- The company identifies AWS as a cloud partner supporting the platform’s cloud-native infrastructure.checked 7 Oct 2026
- Customization
- The platform supports custom business logic in multiple programming languages, including Java, JavaScript, .NET, Ruby, Python and Go.checked 8 Oct 2026
- Evaluation terms
- A platform evaluation agreement describes a two-month non-production evaluation; its statement of work says access has no fee during the initial evaluation period, while professional services may incur separately agreed fees.checked 8 Oct 2026
- Integrations
- The platform connects to over 25 partners across areas including payments, identity and KYC, fraud, cloud, data streaming, open banking APIs and pricing.checked 8 Oct 2026
- Intended customers
- 10x presents the platform for retail, SME, corporate, and embedded finance banking propositions, including use by banks and non-bank brands.checked 7 Oct 2026
- Licensing
- 10x says it does not operate as a bank or hold a banking license itself.checked 7 Oct 2026
- Named partners
- Listed partners include AWS, ClearBank, Confluent, Form3, Marqeta, Salesforce, SunTec and Zafin.checked 8 Oct 2026
- Pricing
- The evaluation agreement says fees are set out in the relevant Statement of Work or AWS Marketplace offer; it gives no standard public price.checked 7 Oct 2026
- Product building
- The platform offers a no-code product builder and allows custom business logic through hooks written in any coding language.checked 7 Oct 2026
- Product coverage
- It supports retail, mutual, SME, corporate and commercial banking propositions.checked 8 Oct 2026
- Product tools
- ProductKit provides an SDK and APIs for building, updating and iterating on financial products.checked 8 Oct 2026
- Real-time ledger
- The platform uses a real-time ledger as a single source of truth for transactions, balances, and corrections.checked 7 Oct 2026
- Scale
- The site states the platform supports over 100 million accounts, 99.99% uptime and over 10,000 transactions per second.checked 8 Oct 2026
- Security
- 10x says it holds ISO 27001, ISO 27017, ISO 27018 and SOC 2 Type II certifications and performs external penetration testing at least annually.checked 8 Oct 2026
- Security operations
- The company describes 24/7 security monitoring and role-based access under a Zero Enduring Privilege policy.checked 8 Oct 2026
- Security testing
- The company says it continuously conducts internal penetration testing and has external independent penetration tests at least annually.checked 7 Oct 2026
- Support and availability
- The platform page states 99.99% availability and support.checked 8 Oct 2026
The company
- Company
- 10x Banking says it was founded in 2016 and is headquartered in London, with an office in Sydney.checked 8 Oct 2026
- Founded
- 2016checked 28 Sep 2026
- Headquarters
- London, United Kingdomchecked 28 Sep 2026
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