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10x Banking Platform
What 10x Banking Platform is
10x Banking Platform is cloud-native core banking software for financial institutions and non-bank brands embedding financial services. It supports retail, mutual, SME, corporate, commercial, and embedded finance propositions. A no-code product builder and ProductKit SDK and APIs help teams create and update financial products, while hooks allow custom business logic in languages including Java, JavaScript, .NET, Ruby, Python, and Go. AI Build creates product configuration from plain-English descriptions, AI Learn answers questions with real-time data, and AI Migrate automates legacy-data mapping. A real-time ledger records transactions, balances, and corrections as a shared source of truth. The platform offers API access, real-time processing, and loan management. 10x lists more than 25 integration and delivery partners across payments, identity, fraud, cloud, and data streaming, including AWS. The company says data is encrypted at rest and in transit, supports customer AWS KMS keys, and holds ISO 27001, ISO 27017, ISO 27018, and SOC 2 Type II certifications. It states support for more than 100 million accounts, over 10,000 transactions per second, and 99.99% uptime. Pricing is on request, with no free plan.
Who it suits
It suits banks, building societies, mutuals, specialty lenders, and non-bank brands developing financial products. Teams needing APIs, real-time processing, loan management, and configurable business logic are the stated audience.
What it does well
- No-code product builder and ProductKit SDK
- AI tools for configuration, answers, and migration
- Real-time ledger and processing
- Custom logic in multiple programming languages
- Lists 99.99% uptime
What to know first
- No public standard price
- No free plan
- 10x does not operate as a bank
- Platform is intended for financial institutions
Limits
There is no free plan and no standard public production price. The evaluation agreement describes two months of non-production access; professional services may carry separately agreed fees.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| 10x Banking Platform | Contact 10x for a platform demo and commercial terms. · For financial institutions; production pricing not listed publicly | On request |
As 10xbanking.com lists them, read 8 Oct 2026. The maker's own page has the final word.
Getting started
- Open the 10x Banking website
- Contact 10x for a platform demo and commercial terms
- Agree access through a Statement of Work or AWS Marketplace offer
- Use the two-month non-production evaluation when offered
- Connect through the platform’s cloud deployment, APIs, and SDK
Verdict
10x Banking Platform combines configurable product development, real-time ledger processing, APIs, and AI migration tools for regulated finance use cases. Commercial terms require contacting 10x, and the company itself does not hold a banking license.
Questions
How much does 10x Banking Platform cost?
Pricing is on request. Fees are set in the relevant Statement of Work or AWS Marketplace offer.
Is there a free plan?
No. A platform evaluation agreement describes an initial two-month non-production evaluation with no access fee, while professional services may be charged separately.
Which platforms does it support?
The listed platforms are web and API, with cloud deployment.
Does it provide APIs and real-time processing?
Yes. It offers API access, real-time processing, and a ProductKit SDK and APIs for financial products.
Is 10x itself a bank?
No. 10x says it does not operate as a bank or hold a banking license.
What security certifications are listed?
10x lists ISO 27001, ISO 27017, ISO 27018, and SOC 2 Type II certifications.
Facts from 10x Banking Platform's own pages
- 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. · 10xbanking.com, 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. · 10xbanking.com, 7 Oct 2026
- Availability
- The platform page lists 99.99% world-class uptime. · 10xbanking.com, 7 Oct 2026
- Certifications
- 10x says it holds ISO 27001, ISO 27017, ISO 27018, and SOC 2 Type II certifications. · 10xbanking.com, 7 Oct 2026
- Cloud partner
- The company identifies AWS as a cloud partner supporting the platform’s cloud-native infrastructure. · 10xbanking.com, 7 Oct 2026
- Company
- 10x Banking says it was founded in 2016 and is headquartered in London, with an office in Sydney. · 10xbanking.com, 8 Oct 2026
- Customization
- The platform supports custom business logic in multiple programming languages, including Java, JavaScript, .NET, Ruby, Python and Go. · 10xbanking.com, 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. · 10xbanking.com, 8 Oct 2026
- Founded
- 2016 · 10xbanking.com, 28 Sept 2026
- Headquarters
- London, United Kingdom · 10xbanking.com, 28 Sept 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. · 10xbanking.com, 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. · 10xbanking.com, 7 Oct 2026
- Licensing
- 10x says it does not operate as a bank or hold a banking license itself. · 10xbanking.com, 7 Oct 2026
- Named partners
- Listed partners include AWS, ClearBank, Confluent, Form3, Marqeta, Salesforce, SunTec and Zafin. · 10xbanking.com, 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. · 10xbanking.com, 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. · 10xbanking.com, 7 Oct 2026
- Product coverage
- It supports retail, mutual, SME, corporate and commercial banking propositions. · 10xbanking.com, 8 Oct 2026
- Product tools
- ProductKit provides an SDK and APIs for building, updating and iterating on financial products. · 10xbanking.com, 8 Oct 2026
- Real-time ledger
- The platform uses a real-time ledger as a single source of truth for transactions, balances, and corrections. · 10xbanking.com, 7 Oct 2026
- Scale
- The site states the platform supports over 100 million accounts, 99.99% uptime and over 10,000 transactions per second. · 10xbanking.com, 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. · 10xbanking.com, 8 Oct 2026
- Security operations
- The company describes 24/7 security monitoring and role-based access under a Zero Enduring Privilege policy. · 10xbanking.com, 8 Oct 2026
- Security testing
- The company says it continuously conducts internal penetration testing and has external independent penetration tests at least annually. · 10xbanking.com, 7 Oct 2026
- Support and availability
- The platform page states 99.99% availability and support. · 10xbanking.com, 8 Oct 2026
Where 10x Banking Platform stands on Freedom251
- Core Banking Software#6 of 24
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