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APIs · head to head

10x Banking vs Solaris

10x Banking logo

10x Banking

APIs

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

From
On request
Rated
-
Full reviewWebsite
Solaris logo

Solaris

APIs

German banking as a service with a full banking licence and a live regulatory problem

From
On request
Rated
-
Full reviewWebsite

The short version

  • 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.; Solaris baFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
  • They diverge on capability: 10x Banking covers SuperCore ledger, Solaris covers German banking licence.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

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

Attributes where 10x Banking and Solaris differ
Attribute10x BankingSolaris
PlatformsWeb, REST API, LinuxWeb, API

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

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 Solaris

  • German banking licence
  • IBAN accounts
  • Card issuing
  • Lending as a service
  • Digital assets and custody
  • SEPA payments
  • KYC and onboarding
  • Deposit protection

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

Solaris

  • A retailer or platform launching a German current account or card product without applying for its own licencenot 10x Banking
  • A fintech that needs deposit taking and lending, which an e-money licence cannot providenot 10x Banking
  • A European business needing German IBANs because customers reject foreign IBANs for salary and direct debitnot 10x Banking
  • A company requiring German statutory deposit protection on customer balances as a product claimnot 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.

Solaris

  • BaFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
  • BaFin fined Solaris EUR 6.5 million in March 2024 for systematically late suspicious activity reports and EUR 500,000 for breaching large exposure limits between January 2022 and March 2024, which is a track record a partner inherits reputationally.
  • Solaris has previously needed BaFin approval before onboarding new corporate clients, which can turn a commercial decision to launch into a regulatory timetable outside your control.
  • The 2024 restructuring involved job cuts and the closure of parts of a business unit, so product lines a partner depends on may not have the engineering behind them that the sales process implies.
  • SBI Holdings acquired majority control in 2025, so strategic direction now sits with a Japanese financial group whose priorities for the European business may differ from the roadmap you were sold.

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

Solaris

On request
  • Solaris banking as a service$undefined/year
    • Quoted per partner, typically setup fee plus monthly platform fee
    • Per account, per card and per transaction charges on top
    • Interchange sharing arrangements negotiated per programme

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 Solaris if

  • You need german banking licence.
  • You work on Web, API.
  • You also want iban accounts.
Solaris review

Questions people ask

Is 10x Banking or Solaris better?
Neither clearly leads. 10x Banking starts at On request and Solaris at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 10x Banking or Solaris?
10x Banking starts at On request and Solaris at On request.
Does 10x Banking or Solaris run on more platforms?
10x Banking runs on Web, REST API, Linux. Solaris runs on Web, API.
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 Solaris is typically brought in for.
What can 10x Banking do that Solaris cannot?
10x Banking covers SuperCore ledger, Product configuration, Event streaming, Migration tooling. Solaris covers German banking licence, IBAN accounts, Card issuing, Lending as a service.

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.

Solaris: Does Solaris have a real banking licence?

Yes. Solaris SE is a German credit institution, which is why it can offer deposits and lending, unlike e-money based competitors.

10x Banking: How long does implementation take?

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

Solaris: Is the BaFin action still live?

The special representative appointed in 2022 had the mandate extended in July 2024, and fines were issued in March 2024. Treat supervisory oversight as an active condition in your diligence.

10x Banking: Is pricing published?

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

Solaris: Who owns Solaris now?

SBI Holdings of Japan agreed in December 2024 and January 2025 to take a majority stake of over seventy per cent for around EUR 100 million.

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