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APIs · head to head

10x Banking vs Cockroach Labs

10x Banking logo

10x Banking

APIs

Cloud-native core banking platform built for large incumbent bank migrations

From
On request
Rated
-
Full reviewWebsite
Cockroach Labs logo

Cockroach Labs

Databases

The cloud-native distributed SQL database

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Cockroach Labs has a free tier, so it costs nothing to try first.
  • Each has a real cost: 10x Banking engagements are multi-year core replacement programmes with costs dominated by migration and integration, so the licence is a minority of what you actually spend.; Cockroach Labs basic and Standard tiers limited to AWS and GCP (select regions only)
  • They diverge on capability: 10x Banking covers SuperCore ledger, Cockroach Labs covers Distributed SQL.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which 10x Banking and Cockroach Labs actually diverge.

Attributes where 10x Banking and Cockroach Labs differ
Attribute10x BankingCockroach Labs
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, REST API, LinuxAWS, GCP, Azure
CategoryAPIsDatabases
FoundedUnknown2015

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in 10x Banking

  • SuperCore ledger
  • Product configuration
  • Event streaming
  • Migration tooling
  • Payments orchestration

Only in Cockroach Labs

  • Distributed SQL
  • Automatic Sharding
  • Multi-region Replication
  • Geo-partitioning
  • ACID Transactions
  • Horizontal Scaling
  • Survivability
  • PostgreSQL Compatibility

Both cover

  • Cloud deployment

What people use each for

The jobs each tool is most often brought in to do.

10x Banking

  • A tier-one bank replacing a mainframe core over several years while keeping it running in parallelnot Cockroach Labs
  • A bank launching a separate digital brand on a modern core before migrating the main booknot Cockroach Labs
  • An institution whose regulator demands real-time transaction data its legacy core cannot producenot Cockroach Labs
  • A bank whose product launch cycle is limited by core release schedules rather than by demandnot Cockroach Labs

Cockroach Labs

  • Distributed SQL database for scalable applicationsnot 10x Banking
  • Multi-region deployment and failovernot 10x Banking

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

10x Banking

  • Engagements are multi-year core replacement programmes with costs dominated by migration and integration, so the licence is a minority of what you actually spend.
  • The customer list is small and concentrated in large institutions, which makes reference checking and benchmarking difficult before committing.
  • It is a smaller vendor than Temenos or Finastra carrying a systemically important workload, and bank procurement teams treat that concentration as a genuine risk.
  • Product configuration replaces code but shifts complexity into configuration governance, which banks must staff and control just as carefully as software releases.
  • Value only appears after migration, so a programme cancelled or paused mid-transition leaves the bank running two cores and paying for both.

Cockroach Labs

  • Basic and Standard tiers limited to AWS and GCP (select regions only)
  • Azure support restricted to Advanced tier only
  • Basic tier limited to 50 million RUs and 10 GiB storage per month
  • Advanced tier starts at $0.60/hour for 4 vCPUs minimum
  • 3 TiB maximum storage on Basic and Standard tiers, 10 TiB per node on Advanced

Pricing, plan by plan

10x Banking

On request
  • SuperCore$undefined/year
    • Multi-year enterprise licence, quoted
    • Scaling by accounts, transaction volume and product lines
    • Substantial implementation and migration programme costs

Cockroach Labs

Free

No published plan breakdown. See the Cockroach Labs review.

Which should you pick?

Choose 10x Banking if

  • You need supercore ledger.
  • You work on Web, REST API, Linux.
  • You also want product configuration.
10x Banking review

Choose Cockroach Labs if

  • You need distributed sql.
  • You want to start without paying.
  • You work on AWS, GCP, Azure.
  • You also want automatic sharding.
Cockroach Labs review

Questions people ask

Is 10x Banking or Cockroach Labs better?
Neither clearly leads. 10x Banking starts at On request and Cockroach Labs at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 10x Banking or Cockroach Labs?
Cockroach Labs has a free tier; the other does not. Paid plans start at On request for 10x Banking and Free for Cockroach Labs.
Does 10x Banking or Cockroach Labs run on more platforms?
10x Banking runs on Web, REST API, Linux. Cockroach Labs runs on AWS, GCP, Azure.
Can I use Cockroach Labs for free?
Yes. Cockroach Labs has a free tier, so you can try it without paying. 10x Banking starts at On request.
What is 10x Banking best used for?
10x Banking is most often used for a tier-one bank replacing a mainframe core over several years while keeping it running in parallel, a bank launching a separate digital brand on a modern core before migrating the main book, an institution whose regulator demands real-time transaction data its legacy core cannot produce, a bank whose product launch cycle is limited by core release schedules rather than by demand. Of those, a tier-one bank replacing a mainframe core over several years while keeping it running in parallel and a bank launching a separate digital brand on a modern core before migrating the main book are not what Cockroach Labs is typically brought in for.
What can 10x Banking do that Cockroach Labs cannot?
10x Banking covers SuperCore ledger, Product configuration, Event streaming, Migration tooling. Cockroach Labs covers Distributed SQL, Automatic Sharding, Multi-region Replication, Geo-partitioning. Both handle Cloud deployment.

Answered from the vendors’ own pages

10x Banking: Who is 10x Banking for?

Large incumbent banks running core replacement, not challengers or fintechs looking for a quick launch.

Cockroach Labs: What does the free Basic tier include?

The Basic tier is free and includes 50 million RUs and 10 GiB storage per month, with a maximum compute of 30K RU/sec. No credit card is required to start.

Source
10x Banking: How long does implementation take?

Years rather than months. Migration design and coexistence with the legacy core dominate the timeline.

Cockroach Labs: How much do the paid tiers cost?

Standard tier starts at $0.18 per hour for 2 vCPUs, and Advanced tier starts at $0.60 per hour for 4 vCPUs. Both tiers support additional resources with higher costs for increased compute and storage.

Source
10x Banking: Is pricing published?

No. It is a quoted multi-year enterprise licence scaled by accounts, transaction volume and product lines.

Cockroach Labs: What are the storage limits for each tier?

Basic plan supports up to 3 TiB storage, Standard tier up to 3 TiB, and Advanced tier up to 10 TiB per node with unlimited total storage.

Source
Cockroach Labs: Can I get trial credits before paying?

Yes, new users can try CockroachDB free with $400 in credits. The Basic and Standard plans do not require a credit card to start.

Source
Cockroach Labs: Do legacy contracts have different pricing?

Customers with annual or multi-year contracts entered before December 1, 2024 can view legacy pricing terms on a separate page, which apply until their contract renewal date.

Source
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