10x your customer journeys Discover a powerful core for embedded finance
Core banking built for banks and non-bank brands to launch finance propositions at scale, without compromising on control, security or customer experience.
Embedded finance for banks and brands

For banks
Reach customers you can’t reach alone
Partner with consumer and business brands to offer banking products inside the journeys customers already trust. Use one core to support multiple partner propositions, each with its own experience, while retaining control of the ledger.
Grow new revenue streams, acquire new customer segments and launch faster.

For brands
Create outsized value inside your customer journeys
While we don’t operate as a bank or hold a banking license ourselves, our technology enables you to embed financial services, from payments to lending, into the journeys your customers already use.
Drive deeper engagement, unlock new revenue streams, and deliver stronger customer outcomes.
How the 10x Banking platform works
Powerful ledger at the center
A single source of truth for every journey
Anchor every transaction, balance update and correction to one real‑time ledger. Use a single authoritative source to support embedded wallets, settlement, payroll, stored value and multi‑party flows – ensuring numbers stay accurate and consistent across every product, brand and channel.
Journey-led products
Bring new experiences to market faster
Build and adapt financial products quickly in your customers' journeys using a no and low‑code product builder. Differentiate your offering further by adding custom business logic through hooks, written in any coding language – enabling rapid iteration and deeper tailoring at the experience layer.
BUILT FOR PARTNERSHIPS
Integrate your ecosystem seamlessly
Connect financial capabilities across your ecosystem through an API‑first platform. Banks, brands, and third parties connect quickly and securely, with full control over how services appear and operate within each experience.
MULTIPLE PROPOSITIONS. ONE PLATFORM.
Scale embedded finance efficiently
Support multiple partner‑led propositions on a single, multi‑tenant platform. Each proposition remains logically separated, while every customer experience stays distinct – enabling new markets, models, and experiences to scale without added complexity or cost.
Live within a year: the implementation journey
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Proof of value (PoV)
Move fast with an 8-week PoV. Try before you buy and validate product fundamentals, data flows, and operational fit.
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Go live phases
Launch priority products and partner propositions first, then expand in structured waves to manage risk and accelerate time to value.
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Evolve continuously
Introduce new products, entities and multiple partner‑led propositions on your timeline on a future-proof platform.
Trusted worldwide
The 10x difference
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Solve Performance & scalability
Proven Scalability; lower costs, lower downtime and lower regulatory risks
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Unlock Product & service innovation
Increase speed to market, increase customers and lower costs
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De-risked Enterprise grade security
Reduce security/data risks and lower regulatory risks
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Underpin with Simplified architecture
Lower costs, lower latency and strengthened controls
FAQs
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Embedded finance is the delivery of financial services directly inside non‑bank products and platforms. Instead of sending customers to a separate banking app, services such as accounts, payments, or lending appear naturally inside the digital experiences customers already use.
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10x provides the core banking platform that powers embedded finance propositions. The platform allows multiple products, brands, and propositions to run on a single real‑time, multi‑tenant core while remaining invisible to the end customer.
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No. 10x is a core banking technology provider. We do not hold a banking license or provide regulated financial services. Our platform supports a wide range of financial and regulatory models operated by our clients and ecosystem partners.
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Not necessarily. Embedded finance can be delivered through different commercial and regulatory structures depending on the use case. The 10x platform supports a range of models and does not assume a single, fixed partnership approach.
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A multi‑tenant core banking platform allows multiple brands, propositions, and customer experiences to operate in parallel on shared infrastructure, with logical separation between each tenant. This reduces cost, complexity, and time to market compared to running separate systems.
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Multi‑tenancy makes it possible to launch and manage multiple embedded finance propositions efficiently. New brands, partners, or markets can be added without duplicating infrastructure, enabling faster growth and lower marginal cost per proposition.
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Teams can launch embedded finance propositions incrementally, often starting in parallel with existing systems. Products can be built and adapted using no‑ and low‑code tools, then extended with custom logic, allowing faster validation and time to value. Depending on use case, we can go live within months.