SDK.finance

SDK.finance is a white-label financial technology platform covering digital and core banking, ledger, wallets, card issuing, payment processing and super app functionality, offered either as software as a service or as a source code licence.

Selling the source code is the decision that defines this product and it answers a question every fintech eventually faces. Building a payment platform from nothing takes years, while renting one means the business depends permanently on a vendor's roadmap, pricing and continued existence, and regulators in some jurisdictions ask pointed questions about that dependency. A source code licence is the middle path: the buyer starts from a working platform and then owns what they run, with no ceiling on how far they can modify it.

The trade-off should be stated as plainly as the benefit. Owning the code means owning the maintenance, the security patching, the compliance updates and the engineering team to do all three, which is a permanent operating cost that a SaaS subscription absorbs. SDK.finance publishing both pricing models side by side is appropriate, because the right answer genuinely depends on the buyer.

The product range is broad: neobank and core banking, ledger software, mobile banking applications, crypto banking and crypto-to-fiat connectivity, e-wallets, white-label payment service provider software, card issuing and global transaction processing. Published case studies cover point of sale transaction accounting for Geidea, a digital wallet for MPAY, mobile money processing for Paywell, crypto connectivity for Nebeus, a taxi and delivery super app and a government social benefit card. Documentation, API reference, release notes and back office and mobile demos are public, in five languages. Rates are not published.