From fast validation to full build: how Remara accelerated with 10x
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To support their next phase of growth, Remara turned to 10x seeking a platform and a partner capable of matching their ambition. Their lending businesses, including Remara Money and Dynamoney, were expanding rapidly across residential mortgages, commercial property finance and business lending. But their internal teams were being held back by fragmented systems, slow product cycles and the increasing complexity of supporting multiple entities and strategic partnerships such as First Nations Finance.
From our first conversation, it was clear that Remara didn’t just need a new platform, they needed a collaborative partner. Someone who could move at their speed, give their engineers room to innovate and show them what a modern core could unlock.

Working side‑by‑side from day one
Before moving into hands‑on development, a deep dive demonstration process was conducted to give Remara complete visibility into how the 10x platform operates end to end. Rather than a generic product walkthrough, the CSA team built a tailored demo environment within Remara’s dedicated proof of concept tenant, showcasing real configurations, sample products and live API behaviours aligned to their novated lease and broader lending objectives.
The session guided the Remara team through product setup, event flows, servicing logic, fee structures, multi party arrangements and integration patterns, allowing their engineers to see precisely how each capability mapped to their requirements.
This was not a passive presentation. It was a collaborative, hands on exploration in which Remara actively challenged the approach, asked detailed technical questions and validated that the platform could support the complexity and scale they envisioned. By the end of the process, Remara had not only seen the platform in action, they understood how to apply it.
A cloud‑native platform built for real‑time banking
At the heart is the 10x Banking Platform, a modular, flexible, cloud‑native core built entirely on AWS. Designed for modern product configuration and real‑time processing, it gives Remara a future‑ready foundation capable of supporting continuous innovation, faster deployments, and secure, always‑available customer experiences.
API‑first architecture for fast integration and delivery
10x’s API‑first approach allows Remara to rapidly join up its systems, internal tools, and third‑party services. Pre‑built integration patterns accelerate delivery and reduced program complexity, crucial to achieving faster time‑to‑value and avoiding lengthy bespoke builds.
A true co‑build: Remara’s speed‑run to validation
10x provisioned a tailored POC tenant seeded with example product configurations. Remara’s engineering team took an unusually fast and disciplined approach, “speed‑running” the evaluation.
Within just three weeks, Remara had:
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configured a complete novated lease product
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integrated it with SmartGroup
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built a working front‑end
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created end‑to‑end servicing journeys
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validated the entire API and event model in detail.

Throughout this sprint, Remara received real time support through ongoing design reviews, issue resolution and the sharing of best practices. The result was a genuinely collaborative build that demonstrated the value of giving capable teams the tools and clarity required to accelerate progress.
The moment Remara presented their build back to the 10x team provided the clearest signal that the partnership was operating exactly as intended.
The outcome:
The accelerated path to commercial agreement
Hands‑on evaluation allowed Remara to move from introduction to commercial alignment far faster than a typical core platform procurement.
Full confidence in platform fit
The evaluation proved that 10x could support Remara’s multi‑entity operations, diverse lending models and integration-heavy environment.
Reduced delivery risk
Early access made it possible to surface engineering needs, integration scope and migration considerations before contracting.
Deep early relationships
Remara engaged with 10x Sales, Client Success, Engineering and Implementation early, building trust before delivery began.
A repeatable model
The POC‑led sales motion used with Remara is now being replicated with others.
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What made Remara's mission succeed:
Remara’s journey demonstrates how a modern non‑bank lender can dramatically accelerate innovation when equipped with the right platform. In only four weeks, Remara validated the 10x platform, built a complex lending product, integrated an external partner and established a scalable foundation for future growth.
As Remara moves toward production and prepares to launch its novated lease offering, the partnership continues to highlight how 4th‑generation core banking technology enables ambitious lenders to move faster, operate smarter and scale confidently.
10x Banking’s platform puts us in the driving seat for product and delivery flexibility, letting Remara go to market faster with innovative, specialist lending solutions.
Andrew McVeigh, Managing Partner RemaraSee how we create results!
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