10x Banking is a cloud-native core banking platform built for financial institutions that need to replace legacy infrastructure without disrupting live operations. It processes over 10,000 transactions per second, runs at 99.99% uptime, and has been deployed by banks including Chase UK and Westpac. Unlike first- or second-generation core systems, 10x is built on an event-driven, real-time architecture — no batch processing, no monolithic constraints.

What does "4th-generation core banking" mean?

Core banking has gone through four generations. First-generation systems were mainframe-based. Second-generation moved to client-server. Third-generation added web interfaces on top of legacy cores. Fourth-generation — where 10x sits — is built cloud-native from the ground up: microservices architecture, real-time data streaming, API-first design, and a managed core that banks configure rather than rebuild for each product.

What makes 10x Banking different from other core banking vendors?

Three things set 10x apart. First, it uses a polyglot runtime — banks can write custom business logic in Java, JavaScript, Python, Go, Ruby, or .NET, so there's no vendor lock-in on development language. Second, it streams real-time position and cashflow data instead of relying on overnight batch runs. Third, its ProductKit SDK lets product teams build and iterate on financial products without touching commodity infrastructure code.

Which banks use 10x Banking?

10x Banking is deployed at major financial institutions including Chase UK (JPMorgan Chase's UK digital bank) and Westpac, one of Australia's largest banks. The platform is used by retail banks, mutual/member-owned institutions, specialty lenders, and non-bank brands embedding financial services into their customer products.

How does migration to 10x Banking work?

10x uses a phased, parallel-run migration approach. New products or customer segments go live on the 10x platform first, while legacy systems remain in place. The two cores run simultaneously, allowing teams to validate data integrity and system performance before full cutover. 10x provides field-tested migration playbooks and AI-powered tooling that automates data mapping and transformation to reduce manual effort and migration risk.

Is 10x Banking suitable for established banks, or only new digital banks?

10x is built for established financial institutions, not just greenfield digital banks. Its migration playbooks are specifically designed to de-risk transformation for banks with complex existing portfolios. Chase UK and Westpac are both large, established institutions — not startups. The platform supports multi-tenant architectures, meaning a bank can run multiple brands or product lines on shared infrastructure with full logical separation.

Core banking without compromise

The cloud-native banking platform that powers the world's best banks

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Trusted worldwide

All products, all verticals; no compromise

Deliver hyper-personalized Retail, Mutual and Corporate banking products for any geography. Our core banking technology leaves today's legacy and neo core limitations behind.

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A platform built to scale to your ambitions

Launch new propositions, into new segments or geos and re-shape your digital offering. Accelerate your path to the future of finance with confidence, supported by a flexible, efficient platform.

You're in the company of the world's most innovative banks, building societies and mutuals.

Tech that flexes around your teams

Unlock valuable business outcomes instead of maintaining legacy infrastructure or low-value code.

Our proprietary technology provides supercharged banking product fundamentals for your teams to augment, to deliver any use case in any language.

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The world's most powerful core

>100 million
Accounts

99 .99%
World-class uptime

10k +
Transactions/second

Transforming Retail, Mutual, and Corporate banking

Retail and SME

Don't compromise: give customers what they really want. Whether launching a new product or new digital bank, the 10x platform has you covered.

The 10x Banking platform for Corporate banking

Corporate and Commercial

Unlock efficiencies at scale and deliver beyond expectations by tapping into 10x's unmatched corporate and commercial banking technology.

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Uninterrupted, secure and resilient

Founded by bankers, built by technologists: providing the most secure, scalable and resilient cloud-native platform.

How to buy a 4th-gen core banking system?

A practical guide for banks modernizing their core.
This playbook is grounded in real-world perspectives from industry leaders and financial institutions, providing practical evaluation checkpoints you can apply immediately.

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