Cloud banking software Platform

SDK.finance’s cloud banking software empowers startup financial institutions and those with high transaction volumes to launch and scale quickly and affordably, increasing operational resilience. It helps our customers provide better service to their users, offers lower operating costs, continuous innovation, and a convenient pay-as-you-go model.

White-Label Digital Wallet Software Platform

One-stop shop cloud banking software

Affordable start

Our banking platform is available via a pay-as-you-go pricing model, allowing for flexibility without the need for hefty upfront investment. Enjoy the benefits of cloud-hosted software without maintenance-related issues.

Powerful transactional core

Based on an innovative ledger built with cutting-edge tech stack, our solution can handle a large number of users and transactions, allowing your team to focus on building new functionality on the reliable core. More on the technology.

High scalability

SDK.finance has a workload capacity of 400 transactions per second, allowing it to handle over 34 million daily transactions on a basic configuration. Manage varying transaction volumes, customer growth, without complicated hardware upgrades.

Out-of-the-box integations

The PaaS banking software offers pre-integrated vendors for payment acceptance, card issuance, and KYC/KYB compliance. More about integrations here.

Cloud-agnostic

The core application is deployed on AWS, Microsoft Azure, Oracle, or another cloud provider, maintained by SDK.finance, ready to be used by your team

API-driven

Quickly and cost-effectively provide customers with a wide range of services via streamlined integrations thanks to over 400 API endpoints.

Meet your customers’ financial services needs

Bank payments

Offer bank payments such as IBAN and SWIFT by integrating with vendors. Cater to different customer segments and increase your turnover.

Money transfers

Enable your customers to easily send and receive money, whether it's internal peer-to-peer transfers or cross-border remittance, with instant and hassle-free transactions.

Bill payments

Save users' time with payment templates for various payments such as utility bills and mobile top-ups. Facilitate payments to local vendors through API integration.

Expense tracking

Assist customers in tracking their spending through visualized expense charts and graphs, or by presenting their transactions on a map.

Any currency system

Set up an unlimited number of currencies in the system, regardless of whether they are fiat currencies or not. Manage any type of assets, from bonus points to petrol or gold.

Currency exchange

Facilitate seamless currency exchange between customer accounts, utilizing pre-configured exchange rates, and let customers purchase or sell currency.

Features out of the box

Serving the customers

Tailored for

Client onboarding

Accounts

Transactions

AML/Anti-fraud capabilities

Built-in CRM

User action history

Tailored for

Individuals (ewallet, neobank, money remittance, currency exchange)

Merchants (payment acceptance via POS or online)

Corporate (neobank for corporate clients) (coming soon)

Client onboarding

Self-registration via email or phone

Flexible survey and document uploading (such as identity, utility bills, etc)

KYC/KYB

Automated (via pre-integrated vendors)

Manual (via back-office interface)

Two-factor authentication (2FA)

Accounts

Accounts in any currency

Any digital assets: crypto, points, bonuses, etc.

Ledger for accounting and reflection in the system of any currencies or digital assets

Card issuing (via pre-integrated vendor)

IBANs (via pre-integrated vendor)

ACH (via pre-integrated vendor, coming soon)

Transactions

Top-ups and withdrawals

Payment gateway operations (via pre-integrated vendors)

In-system transfers or payments

In-system currency exchange

External currency exchange (via pre-integrated vendors)

Payment link

QR-payments (coming soon)

Refund and chargeback (coming soon)

AML/Anti-fraud capabilities (coming soon)

Identify suspicious transactions promptly

Obtain the client’s confirmation to exclude fraud

Get a proof of income from a client to be AML-compliant

Freeze/unfreeze customer accounts if necessary

Close the case

Built-in CRM (coming soon)

All customer details and activities in one place

Communication with clients and creating notes

Chats with customers via in-system messaging service

Notes about a customer for future

User action history

Log of system activities by clients and team members

Full details: logins, sessions, actions performed

Valuable for investigation purposes

Monetization and finances

Contracts and vendors

Fees and limits

Reconciliation and settlement

Operations with cash

Contracts and vendors

Vendor terms and conditions input

Creating customer contracts with different sets of commissions and limits

Let customers choose the preferred contract type (e.g. with or without monthly fees)

Fees and limits

Customizable fees for any transaction: %, flat fee, or combination of them

Configuring the fee bearer (sender or receiver)

Transaction limits (per period, amount or number of transactions)

Reconciliation and settlement (coming soon)

Company liabilities reconciliation

Liabilities in front of your clients

Liabilities in front of your vendors

Identifying unmatched transactions and discrepancies

Resolving the detected issues

Clear picture of your company’s gains on top of transactions

Operations with cash

Ability to account any type of cash and manage “cash-desk” operations

Cloud banking software to accelerate product launch

Hybrid cloud for easier compliance

Managing regulatory compliance in cloud payment software solutions can be challenging. However, SDK.finance addresses this issue through a hybrid cloud delivery model.

Quicker launch for a fraction of the price

If you’re struggling to choose between pricey market-ready software and a lengthy in-house development process, our platform offers the perfect balance with its PaaS model. Reduce maintenance, and development costs, while also expediting the release date.

Pro payment SDK to build on top

Build your product on the robust and dependable ledger layer Platform developed by a team of experienced professionals with over 15 years of expertise.

Cloud banking software grow your business

Own the source code anytime

Switch to the on-premise model anytime. Obtain a source code license from us, deploy your product on-premise and gain full access to the backend for total independence. Learn more

Reduce IT burden

With cloud banking, the burden of maintaining and managing the core application is shifted to us as a service provider, enabling you to focus more on business activities and innovation.

SDK.finance cloud banking software – case studies

Payment acceptance

Leading PSP (MENA): Faster payouts, real-time transaction accounting

SDK.finance's software has enabled customers to streamline their accounting processes, enhance user experiences, broaden their market reach, and tap into new growth opportunities within the fintech industry.

Explore

Digital wallet

MPAY: An intuitive payment app

MPAY effectively transformed their cash-in payment kiosks network into a comprehensive payment application by seamlessly integrating with the SDK.finance software, utilizing it as a foundation.

Explore

Ready to explore our cloud banking software?

Connect with our experts and learn how our Platform aligns with your product needs.

from 2,700

Transactions per second

12+

Years on the market

470+

APIs

60+

modules

Our pre-integrated partners

SDK.finance Hybrid Cloud Banking Software FAQs

How does the core banking system in the cloud work?

The core banking system on the cloud allows banks to move from a model where all the technology resides in one place (the bank’s data center) to a model where APIs affect the movement of data between multiple parties instantly.

Cloud service providers (CSPs) such as Microsoft, Google, and Azure manage the complex cloud infrastructure and allow banks to use it for set fees. Depending on the size and budget of the company, CSP can offer private, public, or hybrid clouds.

What are the benefits of the source code model in banking software?

You purchase the cloud banking source code license and get the freedom of modifications as you see fit.
Your team can customize the ready-made cloud banking software so that it meets all regulatory, security and compliance standards.
You start off having an essential part of your product at hand – a robust Platform engine designed to be easily extended via integrations, virtually without limits.

Can I request your cloud banking software Demo?

Yes, we offer video demos of the backoffice for your team and mobile app for your clients. Both available there and then, no waiting.
If you need more details or have any questions, do reach out to us and we’ll be in touch with you shortly.

What integrations does SDK.finance cloud banking software support?

SDK.finance architecture allows integrating any 3rd-party tools for each stage of the customer journey.
See all the pre-developed integrations.
For your custom integration requirements, our 470+ RESTful API set makes it easy to build integrations with third-party providers of your choice.

Are there any location-related restrictions for using your digital banking software?

Our solution isn’t geographically limited as it’s fully customizable thanks to the white label format. So if you have concerns about using our white-label digital bank for the US, Middle East, MENA, LATAM, or other regions, you don’t have to. By hosting your application on clouds like AWS, your hybrid cloud solution bank can store sensitive information on your private server—according to data handling and management regulations.

What is PaaS banking software, and how does it differ from traditional banking software?

PaaS (Platform as a Service) banking software is a cloud-based solution that provides a platform for financial institutions to develop, deploy, and manage their financial services and financial products. Unlike traditional software, PaaS offers flexibility, scalability, and reduced costs.