What SDK.finance does

SDK.finance, operating as TechFin UAB, is a Lithuania-registered (HQ in Vilnius) white-label fintech platform vendor founded in 2015, with engineering and product teams largely based in Ukraine. The company sells a modular, source-code-licensed core banking and payment processing platform targeting banks, neobanks, payment service providers, electronic money institutions, crypto firms, marketplaces, super apps, telecom providers, and government programs. Its technology stack centers on 570+ OpenAPI-compliant APIs backed by a real-time double-entry ledger, supporting 2,700+ transactions per second and multi-currency (fiat, crypto, and custom units) operations, with deployment options spanning on-premise, AWS cloud, and hybrid configurations. Security and compliance posture includes PCI DSS Level 1 Service Provider and ISO 27001:2022 certifications, with pre-built integrations to Fireblocks, Marqeta, Cybersource, ComplyAdvantage, SumSub, Corefy, Currencycloud, and Salt Edge.

The company operates a dual go-to-market: enterprise source code licensing (one-time perpetual fees with warranty, support, and training) and SaaS/PaaS subscription on AWS for mid-market and startup customers, supplemented by professional services for gap analysis and custom implementation. Documented flagship deployments include Geidea (530,000+ merchants across MENA), a Maghreb super app with 6M+ users, Nebeus (€350M+ crypto-fiat transactions), MPAY, Paywell, and a Central Asian government social benefit card system delivered in six months. SDK.finance distributes through direct enterprise sales, the AWS Marketplace, and a partner/reseller network, with marketing concentrated in content, SEO comparison pages, and industry events (Money 20/20, Fintech Surge, Banking Tech Awards). The leadership team comprises CEO Alex Malyshev and CTO/Co-founder Pavlo Sidelov, with the firm reporting 40+ team members and no disclosed institutional funding or parent company.

Name

SDK.finance

Legal name

TechFin UAB

Website

https://sdk.finance

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

SDK.finance (TechFin UAB) is a Lithuania-based vendor of a white-label, source-code-licensed fintech platform with 570+ APIs and modular core banking, payment, wallet, and card-issuing capabilities, serving banks, PSPs, EMIs, crypto firms, super apps, and governments globally via direct enterprise sales and an AWS-hosted SaaS model.

Ownership category

akta.pro rank

Product category

Core Banking and Fintech Platform Software

NAICS

Software Publishers (5132)

SIC

Finance Services (6199)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Developer Tooling & SDKs for Payments (Gateway Tooling) (FSAMACAL), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Stored Value Ledger / Wallet Infrastructure (Non-Bank) (FSAMANAM), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• White-label fintech platform
• Core banking software
• Digital wallet solution
• Payment processing platform
• Neobank platform software

Headquarters

HQ city

Vilnius

HQ country

Lithuania

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Source Code License: One-time license fee for full source code access with warranty protection, bug fixes, security updates, and ongoing support. Customers can modify and customize the platform at their own pace.
2. SaaS Subscription: Monthly subscription-based access to the platform hosted on AWS with managed backend, API layer, and backoffice. Customers maintain database control on their own infrastructure.
3. Mobile App Source Code: Additional purchase option for mobile app source code (React Native, 200+ screens) for customization
4. Professional Services: Gap analysis, implementation support, custom development, and training services

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

SDK.finance sells a white-label modular fintech software platform that enables banks, fintechs, PSPs, EMIs, crypto firms, marketplaces, super apps, telecom providers, and governments to launch digital banking, e-wallets, payment processing, card issuing, crypto banking, and embedded finance products. The platform is delivered either as a full source code license (one-time fee with warranty, support, and updates) or as a monthly SaaS subscription hosted on AWS, with a white-label mobile banking app available separately.

Product overview

SDK.finance is a white-label fintech software platform provider offering a modular architecture with three deployment models: source code license (full customization with warranty and support), SaaS subscription (cloud-hosted with client-controlled databases), and PaaS. The core SDK.finance Platform serves as the foundational system enabling neobanks, digital wallets, payment processing, and embedded finance. Key products include Digital Banking Software, Core Banking Solution, Real-Time Ledger Software, and Transaction Processing System supporting 2,700+ TPS. Additional modules extend capabilities into Card Issuing (via Marqeta), Crypto Banking (via Fireblocks), Currency Exchange, Payroll Management, Corporate Banking, and Super App development. The platform integrates 570+ APIs with OpenAPI specification and supports multiple deployment options including on-premise, AWS cloud, and hybrid configurations. Security certifications include PCI DSS Level 1 and ISO 27001:2022.

Differentiator

Problem solved

Functional benefit

Products and services

• SDK.finance Platform White-label modular fintech platform with full source code access enabling businesses to build neobanks, digital wallets, payment processing systems, and embedded finance solutions. Available via source code license, SaaS subscription, or PaaS model.
• Digital Banking Software End-to-end digital banking software infrastructure for launching digital-first banks, including core banking capabilities, account management, and transaction processing.
• White-Label Digital Bank Solution Ready-to-deploy digital retail banking solution with pre-built interfaces and core banking functionality for faster market launch.
• Neobank Platform Platform for building neobank products with digital wallet, payment processing, card issuing, and customer management capabilities.
• Core Banking Software Solution Modular core banking system supporting digital-first banks, payment institutions, and electronic money institutions with real-time transaction processing.
• Digital Wallet Solution White-label e-wallet platform supporting multi-currency wallets, P2P transfers, payment links, QR codes, and cash-in/cash-out operations.
• Real-Time Ledger Software Double-entry ledger system providing real-time transaction recording, instant balance updates, and audit-ready financial data for banks, PSPs, and fintechs.
• White-Label PSP Solution Payment service provider software enabling businesses to become payment facilitators with merchant services, payment gateway, and transaction processing capabilities.
• Global Payment Processing and Payouts Infrastructure for global payment processing including cross-border transfers, multi-currency support, and payout solutions for enterprises.
• Transaction Processing System High-volume transaction processing system supporting 2,700+ transactions per second, 34.5M transactions per day, with real-time processing capabilities.
• Currency Exchange Software Real-time currency exchange engine supporting multiple fiat currencies with flexible fee and rate configuration.
• Money Transfer Software P2P and remittance solution supporting domestic and international money transfers with multi-currency support and competitive exchange rates.
• Card Issuing Virtual and physical payment card issuing capabilities including BIN sponsorship, with pre-built Marqeta integration for card production.
• Crypto Banking Solution Platform for building crypto banking applications with crypto-to-fiat connectivity, wallet management, and integration with Fireblocks for crypto infrastructure.
• Embedded Finance Solution BaaS platform enabling non-financial enterprises to embed financial services including wallets, payments, and card issuing into their products.
• White-Label Super App Super app platform supporting multiple services including taxi, food delivery, grocery delivery, and digital payments in a single mobile application.
• Mobile Banking Application White-label iOS/Android mobile banking app built on React Native with 200+ screens for customization, available as source code for modification.
• Corporate Banking Solution White-label corporate banking software for business accounts, treasury management, and corporate FinOps with multi-user access and permissions.
• Payroll System Software Digital wallet-based payroll management solution enabling enterprises to disburse salaries to employee digital wallets.

Quantifiable outcome

• Launch financial products in months, not years
• +3 more outcomes

Named customers6 records

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

13 partnerships are on record, tiered core and supportive.

• AWS (Amazon Web Services)coreTechnology or IntegrationAWS is the primary cloud infrastructure provider for SDK.finance's SaaS deployment model. SDK.finance has joined the AWS Partner Network and launched its cloud digital wallet solution on AWS Marketplace. The partnership provides scalable, secure cloud hosting for the platform's backend, API layer, and backoffice components.
• FireblockscoreTechnology or IntegrationIntegration with Fireblocks provides enterprise-grade crypto infrastructure and custody solutions. The partnership enables SDK.finance customers to build scalable crypto and fintech products with secure digital asset management capabilities.
• MarqetacoreTechnology or IntegrationSDK.finance partners with Marqeta for seamless card issuing capabilities. Marqeta is a PCI DSS Level 1-certified card-issuing provider, enabling SDK.finance customers to issue virtual and physical payment cards while adhering to PCI DSS standards.
• CybersourcecoreTechnology or IntegrationReady-made integration with Cybersource (a Visa solution) enables secure, scalable payment processing with access to 50+ currencies and payment methods. Provides fraud detection, tokenization, and chargeback management capabilities.
• ComplyAdvantagecoreTechnology or IntegrationPre-built integration with ComplyAdvantage provides streamlined KYC compliance. The partnership automates customer identity verification process for SDK.finance customers.
• SumSubcoreTechnology or IntegrationPre-built KYC integration with SumSub enables automated identity verification. SDK.finance customers can integrate SumSub's verification services through the platform's API-first architecture.
• CorefycoreTechnology or IntegrationIntegration with Corefy, a payment orchestration platform, provides multi-provider connectivity and payment routing control for PSPs and fintechs seeking to launch or scale payments operations.
• Salt EdgecoreTechnology or IntegrationIntegration supercharges Open Banking solutions. Salt Edge provides open banking API connectivity enabling PSD2-compliant access to bank accounts across Europe.
• CurrencycloudsupportiveTechnology or IntegrationIntegration with Currencycloud enables real-time currency exchange and multi-currency account capabilities for SDK.finance customers requiring cross-border currency operations.
• TwiliosupportiveTechnology or IntegrationIntegration with Twilio provides notification and communication capabilities including SMS, voice, and email notifications for the SDK.finance platform.
• OpenSanctionssupportiveTechnology or IntegrationIntegration with OpenSanctions provides sanctions screening and compliance checking capabilities for AML and fraud prevention.
• HuaweisupportiveTechnology or IntegrationInfrastructure partnership for flexible deployment options. SDK.finance supports deployment on Huawei cloud infrastructure.
• IBMsupportiveTechnology or IntegrationInfrastructure partnership for flexible deployment options. SDK.finance supports deployment on IBM cloud infrastructure.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Solaris SE: Embedded finance and Banking-as-a-Service platform offering IBANs, cards, payments, and lending APIs in Europe. Direct peer in the BaaS/embedded finance segment where SDK.finance also competes.
• Mambu: Cloud-native core banking and lending platform serving banks, fintechs, and lenders with composable APIs. Mambu is one of SDK.finance's closest direct competitors in the white-label core-banking and neobank platform category.
• Thought Machine: Cloud-native core banking platform (Vault) used by global banks to build digital banking products. Competes with SDK.finance for the same tier-1 bank modernization and challenger bank RFPs.
• 10x Banking: Cloud-native core banking platform targeting incumbent banks and challenger banks. Directly competes with SDK.finance in the API-first core banking and digital banking platform category.
• Backbase: Engagement banking platform that helps banks modernize customer-facing digital channels on top of legacy or new cores. Competes with SDK.finance for digital banking, neobank, and customer experience modernization deals.

Broad incumbents

• Temenos: Large established core banking software vendor with a broad portfolio across retail, corporate, and wealth banking. Competes with SDK.finance for mid-market and tier-2/3 bank modernization deals.
• Finastra: Global financial software provider offering core banking, lending, payments, and treasury platforms. A broad incumbent that overlaps with SDK.finance's core banking and payments capabilities.
• FIS: Large-scale banking and payments technology provider serving global financial institutions. Overlaps with SDK.finance's core banking, merchant acquiring, and transaction processing capabilities.
• Stripe: Global payments infrastructure provider expanding into embedded financial services, banking-as-a-service (Stripe Connect, Stripe Issuing, Stripe Treasury), and increasingly adjacent to SDK.finance's PSP and embedded wallet offerings.

Emerging players

• Marqeta: Modern card-issuing platform with developer-first APIs. SDK.finance integrates with Marqeta for card issuing but Marqeta increasingly bundles broader ledger and money-movement capabilities, making it a partial competitor in fintech infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/sdkfinance
• Facebookfacebook.com/sdkfinance
• LinkedInlinkedin.com/company/sdk.finance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SDK.finance