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Launch your Mobile banking app
Digital wallet
Crypto banking app
Neobank
in months, not years

Build, modernize, and scale FinTech products with SDK.finance, a modular software suite for fast launches, confident operations, and long-term control with source code access.

One Platform, for multiple purposes

The Platform is designed to cater to the distinct needs of businesses across a wide range of cases.

Banks &
financial institutions

Core banking for digital-first banks

Digital wallets

Payment processing

Merchant services

P2P payment app

Payout solutions

Bulk & recurring payments (VRPs)

Instant A2A payments & transfers

PSD2-compliant Open Banking solutions

Settlement and reconciliation

Crypto-to-fiat operations

Enterprises expanding
into FinTech

Closed-loop wallets

Closed-loop cards & gift cards

Loyalty and rewards

In-game currencies

Virtual & digital currencies

Super app

Embedded finance

Marketplace payment engine

Payroll management

General ledger

Corporate FinOps

Treasury orchestration

Launch Fast.
Scale with Confidence.

Share your product requirements, and we’ll help you choose the right SDK.finance setup to launch and scale your payment product faster.

Talk to us

Out-of-the-box functionality to accelerate your time-to-launch

For individual & corporate clients

Onboarding & 2FA (two-factor authentication)
Customer profile & settings
Ongoing KYC/KYB with a trusted vendor
Accounts in any currencies, crypto, points
Cards & IBAN linked to accounts
Real-time currency exchange
Send, request, or exchange funds
Payment links & QR code payments
Operations with cash for clients (Cash points)

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For merchants

Payment acceptance offline (POS, QR codes)
Payment acceptance online (gateway)
Checkout page experience
Dispute resolution: refunds & chargebacks
Reports

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System management

Currency & assets creation engine
Flexible fees & limits engine
In-system CRM & chat with clients
Detailed transaction monitoring
Flexible reporting
AML/Anti-fraud officers’ workspace
User action history
Reconciliation & settlement section
Roles & permissions

Learn more

PCI-DSS certified KYC/KYB capabilities IBAN ready Card issuing & acceptance

The core products for building financial products

SDK.finance Transaction Platform

Available

A modular transaction processing core for wallets, accounts, payments, fees, limits, contracts, merchants, and backoffice operations.

View product page

SDK.finance Ledger

Available

A real-time double-entry accounting layer that turns fintech product events into balanced, auditable journal entries.

View product page

Pre-built, customisable mobile banking app for iOS & Android

Launch your mobile banking app faster with pre-built iOS and Android applications for banks, fintechs, EMIs, and payment companies. Fully customise the design, branding, features, and customer journeys, and integrate the app with the SDK.finance Transaction Engine or your existing backend.

Request a demo

Own your source code. Keep full control. Stay vendor independent.

Own your

source code

Full source code access

Complete freedom to modify and customize at your pace.

Warranty protection

Coverage for bug fixes and security updates

Comprehensive support

We empower your team with in-depth training, guidance, and ongoing support.

Meet your deadlines

Operate with your internal team to meet deadlines, bypassing vendor delays.

Minimized development risks

Avoid the bottlenecks of building from scratch

Consistent updates

Leverage regular Platform updates and enhancements for peak performance.

More info on source code

Progressive technology, built by experts

Flexible infrastructure options

High code quality

SonarQube

OWASP

TestRail

Security certifications

PCI DSS Level 1 Service Provider

ISO 27001:2022 certified

GDPR-ready

Proven expertise, backing your venture

15+ years in FinTech

40+ team members

Modern tech stack

APIs

570+ APIs

OpenAPI

Backend

Spring Boot

Hibernate

Data management

PostgreSQL

MongoDB

Kafka

Backoffice

Vue.js

TypeScript

Mobile app

React Native

Version control and CI/CD

GitLab

Learn more

Scalable infrastructure to fuel your growth, starting from:

2,700+

transactions per second

34,5^M+

transactions per day

1,2^B+

transactions per month

12,6^B+

transactions per year

The World of Digital Payments

by Pavlo Sidelov, Ph.D.,SDK.finance Co-founder, CTO & Payment Expert

The world of digital payments by Pavlo Sidelov

Integrated partners

Backoffice workspace for key team-roles

Customer support team

Сustomer success specialist

Compliance & fraud prevention team

KYC/KYB specialist
AML specialist
Anti-fraud specialist

Finance

CFO (Chief Financial Officer)
Financial specialist / accountant
Cashier

Revenue management

CRO (Chief Revenue Officer) & Revenue specialist

Administrative

Roles & Permissions administrator

CEO

Full access

Watch demo

Awards

Success stories from our Clients

Payment acceptance

Geidea – Powering 75% of Saudi Arabia’s Acquiring Market

Geidea is one of the leading payment acceptance providers in the MENA region, serving more than 530,000 merchants across Saudi Arabia and beyond. Explore how the company transformed its transaction settlement system by integrating SDK.finance software into its existing POS network and successfully expanded operations across 3 countries.

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Digital wallet

MPAY – Mobile Payment App

Learn how MPAY transformed a network of cash-in kiosks into a mobile payment app by integrating SDK.finance software, launching digital wallet capabilities, and expanding into a full-scale payment ecosystem.

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Nebeus multi-currency accounts, linked to Crypto & Fiat

Crypto exchange

Crypto-to-Fiat Solution for Nebeus with 42k+ Active Monthly Users

Explore how Nebeus, a financial app operating under the Bank of Spain’s regulatory registry, improved crypto-to-fiat connectivity and streamlined currency exchange using the SDK.finance ledger-based Platform. Today, Nebeus supports 42k+ active monthly users and has processed more than €350 million in transactions.

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Super app

A Super App with 6M+ Users: Taxi, Food & Grocery Delivery, and Digital Payments

Discover how a leading Maghreb-based super app fast-tracked its fintech infrastructure using the SDK.finance source code Platform, supporting digital payments for more than 130,000 drivers and merchants across its ecosystem.

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Gevernment social benefits cards issuing SDK.finance Case study

GovTech

Government-Issued Social Benefit Card System

A national government built a secure, scalable social payment card system using the SDK.finance Platform under a Source Code License – in just 6 months.

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Mobile money

Paywell – mobile money payment provider

Discover how Paywell, a provider of digital payment solutions in EMEA, enabled mobile money payments using telecom wallet funds and enhanced financial inclusion by leveraging SDK.finance payment software.

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What our customers say

Nebeus sought a Platform with ready-made solutions to save on development time and SDK.finance stood out for its competitive pricing, 24/7 support, responsive professional team, and flexibility for customization. The implementation process was smooth since we built our solution from scratch after partnering. Overall, we saved lots of time and money so I would recommend SDK.finance to those seeking a swift and affordable start.