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White-label banking solution to boost your time-to-market

Create branchless banking solutions and deliver top-notch financial services to make customers choose your bank and stay for life, using SDK.finance subscription-based model, fast and budget-friendly.

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Build the digital bank your customers will fall in love with

SDK.finance white label banking app delivers everything required for your digital-only bank success and ensures a frictionless experience for your customers.

Asset accounts Currency exchange Card issuing P2P transfers Remote onboarding Bill payments

Out of the box functionality
for a quick start

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

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

Cash desk operations

Affordable and cost-efficient digital-only banking solution

API-first architecture

400+ REST APIs to integrate the software into your product and connect third-party services.

Affordable subscription model

Get the SDK.finance functionality available in the cloud, ready to use in no time and at a reasonable cost.

Source code license available

Get complete control over your banking solution by acquiring the source code license for maximum flexibility and no subscription fees.

White-label software for all types of banks

Whether you’re planning to serve retail or corporate customers, the SDK.finance SaaS banking platform will make a decent foundation.

Retail neobank

Build a neobanking product, launch it faster and at a much lower cost with our white label neobank software.

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Digital wallet

A fully-fledged solution for Electonic Money Institutions and Payment Institutions. Create a product like Paypal®, Alipay®, or PayTM®.

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Mobile wallet

Base your mobile wallet for clients on the SDK.finance Platform and cut your expenses and time to market.

View details

Share your product requirements

And see how SDK.finance aligns with your needs

Get in touch

White-label digital bank solution for your business success

Attract customers

Acquire and retain customers via customizable contracts and pricing plans. Attract the target audience and grow your profit from the increased customer LTV and operations’ fees.

Boost retention

Have exhaustive info about each customer at hand - from operations to logins history. Exceed clients’ expectations by quickly resolving requests and anticipating their needs, boosting loyalty and revenue.

Equip team for top performance

Your staff will love the SDK.finance bank platform’s admin area with an intuitive UI, and a convenient dashboard to handle routine tasks.

Maximize revenue

Effectively monetize each customer segment by using endlessly customizable transaction fees and limits.

Case studies: white-label digital banking solution in action

Our white-label banking software backs businesses that handle large volumes of payments and enables them to create digital payment solutions using our white-label platform.

Payment acceptance

Geidea: MENA payment acceptance giant

Learn how a leading payment service provider operating from Saudi Arabia transformed its central transaction settlement system by integrating SDK.finance software into its existing POS network and managed an expansion to 3 countries.

Explore more
Digital wallet

MPAY wallet and payment app

Discover how MPAY was able to transform a network of cash-in kiosks into a full-fledged payment app by integrating with SDK.finance software and building on it.

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Turbocharge your banking project

SDK.finance’s team of FinTech professionals with 10+ years of experience can to help you from the idea to its implementation in code and interface:

  • Accelerate your product deployment
  • Ready FinTech backend Platform to build on
  • No starting from scratch
  • Saved in-house team’s resources

Get in touch to discuss your project with our experts

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

    2,700

    Transactions per second

    11+

    Years on the market

    400+

    APIs

    60+

    modules

    Our pre-integrated partners

    SDK.finance Digital Retail Banking Software FAQs

    What are the benefits of using SDK-finance retail banking software?
    1. SDK.finance offers a robust ledger layer-based software that serves as a reliable foundation for building a digital retail bank. You are free to shape your product according to your product vision, shortening the period of active development and saving team resources. A better option than starting from scratch.
    2. Your team can tailor your banking software to meet all industry regulations, security, and compliance standards.
    3. You receive a stable, reliable engine for your banking business which you can easily extend via integrations, virtually without restrictions.
    4. You can use the cloud-based version of our software for a quick start without commitments and huge investments.
    5. We offer the option to switch to the on-premise version by purchasing the source code license for total control and independence anytime.
    Can I request your retail banking product demo?

    Since we offer a foundation for building a digital retail bank, not the ready product, you can access the interactive demo here to get the idea of what the Platform is capable of. If you’d like more details, reach out with your request and we’ll be in touch with you shortly.

    What integrations are supported by the SDK.finance software?

    SDK.finance architecture allows integrating any 3rd-party tools for each stage of the customer journey. Our open digital banking API set makes it easy to connect the ready-made components to the banking engine rather than having to develop them from scratch.

    Is SDK.finance digital retail banking system cloud-based or on premise?

    Our Platform is available both as a cloud-hosted SaaS version and an on-premise one with the source code license. Find out the details of the source code purchase and knowledge transfer.

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

    There are no location-related restrictions for using digital banking software from SDK.finance. The primary databases are under your team’s control in both SaaS and source code variants.

    In the SaaS version, the SDK.finance hosts and maintains only the backend application on AWS or another cloud service provider. Consequently, you can comply with regulatory requirements related to sensitive data management and storage.

    What technology stack is used for the SDK.finance Platform?

    SDK.finance uses the cutting-edge technology stack. The software is developed on the Java 17 LTS. Our team performs security testing via JUnit, Arquillian, and OWASP security scanner. We review the code quality with SonarQube, UpSource, and FindBugs.

    The implemented REST and gRPC API architecture helps to facilitate integration with third-party providers and services and assists in driving your banking or payment product innovation.

    Is SDK.finance an open-source system?

    The SDK.finance system is available as a cloud-based version by subscription or one-time source code license purchase. You can download and modify our front-office and back-office UI packs/UI kits at GitHub, but all functionality lies in using the APIs of the SDK.finance backend app.