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APIs · head to head

10x Banking vs Postgres

10x Banking logo

10x Banking

APIs

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

From
On request
Rated
-
Full reviewWebsite
Postgres logo

Postgres

Technology

The world's most advanced open source database

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Postgres 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.; Postgres each major version is supported for only 5 years after its initial release, after which it is end-of-life
  • They diverge on capability: 10x Banking covers SuperCore ledger, Postgres covers ACID compliance.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where 10x Banking and Postgres differ
Attribute10x BankingPostgres
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsWeb, REST API, LinuxLinux, Windows, Macos, Docker
CategoryAPIsTechnology
FoundedUnknown1996

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
  • Cloud deployment

Only in Postgres

  • ACID compliance
  • Complex queries
  • Foreign keys
  • Triggers
  • Views
  • Stored procedures
  • JSON/JSONB support
  • Full-text search

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 Postgres
  • A bank launching a separate digital brand on a modern core before migrating the main booknot Postgres
  • An institution whose regulator demands real-time transaction data its legacy core cannot producenot Postgres
  • A bank whose product launch cycle is limited by core release schedules rather than by demandnot Postgres

Postgres

  • Running a general purpose relational database for applicationsnot 10x Banking
  • Self-hosting an open source SQL database with no licence feenot 10x Banking
  • Workloads needing extensions, JSON and full text search in one enginenot 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.

Postgres

  • Each major version is supported for only 5 years after its initial release, after which it is end-of-life
  • Major version upgrades break on-disk compatibility and require a full dump and reload or the pg_upgrade tool
  • New major versions ship about once a year, so staying supported means a disruptive upgrade cycle
  • Minor releases contain only frequently-encountered bug fixes, low-risk fixes, security issues and data corruption fixes, so feature gaps are not addressed within a major version
  • There is no vendor SLA; commercial support must be bought separately from third party professional services listed by the project

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

Postgres

Free
  • Community EditionFree
    • Full database features
    • No limitations
    • Community support

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 Postgres if

  • You need acid compliance.
  • You want to start without paying.
  • You work on Linux, Windows, Macos, Docker.
  • You also want complex queries.
Postgres review

Questions people ask

Is 10x Banking or Postgres better?
Neither clearly leads. 10x Banking starts at On request and Postgres at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 10x Banking or Postgres?
Postgres has a free tier; the other does not. Paid plans start at On request for 10x Banking and Free for Postgres.
Does 10x Banking or Postgres run on more platforms?
10x Banking runs on Web, REST API, Linux. Postgres runs on Linux, Windows, Macos, Docker.
Can I use Postgres for free?
Yes. Postgres 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 Postgres is typically brought in for.
What can 10x Banking do that Postgres cannot?
10x Banking covers SuperCore ledger, Product configuration, Event streaming, Migration tooling. Postgres covers ACID compliance, Complex queries, Foreign keys, Triggers.

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.

Postgres: How much does PostgreSQL cost to use?

PostgreSQL is completely free to download, install, and use. No licensing fees, subscription costs, or per-seat charges apply. The database is open source under the PostgreSQL License. Source: https://www.postgresql.org

Source
10x Banking: How long does implementation take?

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

Postgres: Are there commercial PostgreSQL support options available?

Official PostgreSQL (the project) is free. Commercial PostgreSQL services such as hosting, professional support, training, and managed database services are offered by third-party vendors, not the PostgreSQL project itself. Source: https://www.postgresql.org

Source
10x Banking: Is pricing published?

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

Postgres: Do I need a license to use PostgreSQL commercially?

No. PostgreSQL is open source under the PostgreSQL License, which permits free commercial use without royalties, licensing fees, or support obligations. Source: https://www.postgresql.org

Source
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