SDK.finance
Lithuanian source-code fintech platform with a core banking solution, ledger, wallets and card issuing, priced openly for SaaS
Quick Overview
| Company | TechFin UAB |
|---|---|
| Category | Core Banking Software |
| Headquarters | Vilnius, Lithuania |
| Founded | Not stated |
| EU Presence | Yes - Lithuania (EU) |
| Data Location | On-premises or cloud, chosen by the client |
| Open Source | No |
| GDPR Compliant | Yes (website states GDPR ready) |
| Self-Hosting | Yes, on your own servers under the source-code licence |
| Main Features | Transaction platform, general ledger, core banking solution, digital wallets, neobank platform, money transfer, card issuing, 650+ REST APIs, back-office admin panel, iOS/Android apps |
| Pricing | SaaS: first 3 months EUR 10,000 flat, then EUR 5,500 per month plus EUR 0.05 per transaction; source-code licence on request |
| Best For | Fintechs, EMIs and PSPs launching a product, and banks that want to own the source code |
| Replaces | Fiserv, FIS, Jack Henry |
Detailed Review
SDK.finance sells a transaction platform for payment products and a standalone general ledger that converts business events into double-entry journal entries. Its core banking page covers individual and corporate accounts, cards and IBANs, KYC/KYB integration and a merchant side.
The website states SDK.finance is a registered EU trademark and trading name of TechFin UAB, registered in Lithuania under number 305153451, with addresses in Vilnius and London. It also says TechFin UAB is not a bank or payment institution.
Published Prices
The SaaS price page shows a flat EUR 10,000 for the first three months, then EUR 5,500 per month plus EUR 0.05 per transaction, with all functionality and the back-office and apps included. Such openness is rare in this category.
Own the Source Code
An enterprise route gives a source-code licence, with on-premise or cloud hosting on the client's infrastructure. The pricing page lists support, knowledge transfer, bug fixes and updates for 12 months.
Certifications and Reach
The site lists PCI DSS Level 1 Service Provider and ISO 27001:2022 and says clients are spread over 25+ countries, including Switzerland, Poland and France.
Limitations to Consider
This is a fintech and payments platform that can act as a core, not a decades-old universal bank core, and it is a smaller vendor than Temenos or Avaloq. The source-code licence price is on request. TechFin UAB is not itself a regulated institution, so the licensed entity must be supplied by the client or a partner.
Who Should Use SDK.finance
Fintechs, e-money and payment firms and small banks that want transparent pricing, API depth and the option to own the code.
Pros and Cons
Pros
- Published SaaS price
- Source-code licence available
- 650+ REST APIs
- Back-office and apps included
- Lithuanian company with registration number
Cons
- Not a universal bank core in the traditional sense
- Source-code price on request
- Client needs its own licence
- Smaller vendor
Alternatives to SDK.finance
Other European core banking software worth comparing before you decide:
Thought Machine
United Kingdom · Cloud-native core ledger and payments with a configuration layer
Mambu
Netherlands · Composable SaaS core for lending, deposits and payments
Skaleet
France · Modular SaaS core banking on EU-based private cloud
10x Banking
United Kingdom · SaaS core for banks, mutuals and lenders with AI migration tools
See all European core banking software or compare them directly against Fiserv on our alternatives page.
Frequently Asked Questions
The SaaS page lists EUR 10,000 flat for the first three months, then EUR 5,500 per month plus EUR 0.05 per transaction. Source-code pricing is on request.
No. The website states TechFin UAB is not a bank, financial or payment institution.
Yes, under the enterprise source-code licence on your servers or a dedicated data centre.