The FinTech expertise behind SDK.finance

digital banking photo
digital banking photo
digital banking photo
digital banking photo
digital banking photo
digital banking photo
Mila
Yazan
API first architecture icon
650+ APIs
Neobank icon
60+ Modules
payment scheme icon
40+ Team members
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20+ years of FinTech expertise

Our story

The idea

SDK.finance began with a challenge our founders knew firsthand. After delivering multiple FinTech projects, they saw businesses repeatedly investing time and resources in building the same payment infrastructure from scratch. In 2013, they set out to give financial innovators a stronger starting point, combining reusable technology with practical industry expertise.

The product

Drawing on Pavlo Sidelov’s expertise in digital payments, we built a software development kit that became SDK.finance. Its reusable modules brought together the foundations of financial products, including accounts, transactions and fees, so businesses could configure the technology around their needs rather than rebuild it for every project.

Our corporate history & SDK.finance today

SDK.finance was founded in 2013 and initially operated through a legal entity in the Czech Republic. In 2019, we established TechFin UAB in Lithuania, the legal entity under which SDK.finance operates today. We also have a presence in the United Kingdom through TechFinUK LTD.

Today, SDK.finance helps businesses launch and modernise digital wallets, mobile payment apps, merchant payment acceptance solutions and digital banking products. Our clients operate across international markets. We continue to develop our Platform and expand the partner ecosystem that supports their growth.

Our mission

To make digital financial services more accessible by giving businesses the technology to build and launch payment and banking products faster.

Our leadership

Our founders bring more than two decades of FinTech experience to SDK.finance, guiding our technology, product strategy and business growth.

Pavlo Sidelov
Founder & CTO

Pavlo Sidelov, Ph.D., is SDK.finance’s founder, CTO and the architect behind the Platform. He brings more than two decades of experience in digital payments, banking technology and FinTech product launches. A recognised payments innovator, he is an author and inventor of several payment technology patents.

His books include The World of Digital Payments: Practical Course (FinTech), recognised among the Top 50 FinTech books, and The World of Digital Banking.

Pavlo is a former Forbes Technology Council member, a Banking Tech Awards judge and an independent OSCE consultant. He regularly speaks at global and European FinTech events and mentors at AIFC FinTech HUB and GrowthUP accelerators.

Alex Malyshev
Co-founder & CEO

Alex Malyshev is SDK.finance’s co-founder and CEO, with two decades of experience in FinTech, digital payments and financial product development. He leads company strategy, product direction and business development, helping payment companies and financial institutions build viable, scalable products.

His expertise spans FinTech business models, market validation, software selection and technology ownership, guiding businesses from proof of concept to full-scale launch.

Alex mentors at Startup Wise Guys and other startup programmes. A public speaker and startup competition judge, he shares his expertise through Finextra, Marqeta, FinTech Forum and Startup Lithuania.

What sets us apart

Deep FinTech expertise, proven technology and trusted partnerships give our clients the confidence to build, launch and grow on their own terms.

Built by FinTech experts

Backed by 20+ years of FinTech expertise, SDK.finance brings deep industry knowledge to your business. Since launching in 2013, we have turned complex payment and banking challenges into proven solutions, with every team member bringing at least 5 years of FinTech experience.

Security and data protection

Security shapes how we build software, manage information and work as a team. SDK.finance is a PCI DSS Level 1 compliant service provider and ISO/IEC 27001:2022 certified. Our GDPR-ready approach supports the responsible handling and protection of personal data.

Trusted by ambitious businesses

From Geidea and Nebeus to MPAY, Paywell and TheOneGate, businesses choose SDK.finance to power their financial products. Our clients span the EU, the UK, the US, Canada, the Middle East, Africa and Central Asia, bringing our technology to diverse markets and financial ecosystems.

Technology you can own

Build your business on technology you control. With source code licensing and 650+ APIs, SDK.finance gives your team the freedom to customise your platform, connect the services you need and shape your product’s future around your business, on your own terms.

Partnering with industry leaders

We partner with industry leaders such as Oracle, Marqeta, Fireblocks, Salt Edge, Sumsub and many others to grow the FinTech ecosystem around our Platform, giving clients access to the technology and services they need to launch, scale and enter new markets.

Industry Recognition

SDK.finance was named a finalist at the Banking Tech Awards, PayTech Awards and Fintech Awards UK. In 2026, we were included in Everest Group’s Top 50™ Core Banking Technology Providers and named a top core banking provider by Business Research Insights and Market.us.

Client success stories

mena region payment acceptance giant
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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MPAY-wallet-and-payment-app
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
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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paywell logo
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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Join the team

Help us build the technology behind payment and banking products worldwide. Join a team of FinTech professionals who value expertise, collaboration and thoughtful problem-solving. Explore our open roles and find where your experience can make a difference.

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