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APIs · head to head

Skaleet vs Skyflow

Skaleet logo

Skaleet

APIs

Cloud-native core banking and payment hub with deployments measured in months

From
On request
Rated
-
Full reviewWebsite
Skyflow logo

Skyflow

APIs

Data privacy vault that holds sensitive records outside your own systems

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.; Skyflow reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.
  • They diverge on capability: Skaleet covers Cloud-native core, Skyflow covers Tokenised storage.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Skaleet and Skyflow actually diverge.

Attributes where Skaleet and Skyflow differ
AttributeSkaleetSkyflow
PlatformsWeb, REST API, LinuxAPI, Web, Self-hosted

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 Skaleet

  • Cloud-native core
  • Payment hub
  • Card management
  • Lending
  • API-first
  • Configurable products

Only in Skyflow

  • Tokenised storage
  • Polymorphic encryption
  • Field level access policies
  • Data residency
  • Secure functions
  • PCI scope reduction
  • Detokenisation gateway
  • Audit trail

What people use each for

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

Skaleet

  • A banking group launching a digital savings or deposit brand in a new country within a yearnot Skyflow
  • A bank modernising payments to ISO 20022 without replacing its whole corenot Skyflow
  • A payroll or HR software company adding embedded banking to its productnot Skyflow
  • A payment service provider needing a ledger and accounts under its existing licencenot Skyflow

Skyflow

  • A fintech that wants card and bank account data out of its own infrastructure so its application servers leave PCI DSS assessment scopenot Skaleet
  • A company entering India or the EU with data localisation obligations that would otherwise require standing up regional databases and operationsnot Skaleet
  • A health technology business that needs protected health information isolated from the analytics stack while still supporting aggregate reportingnot Skaleet
  • An engineering team that wants support agents to see masked identifiers and payment services to see real ones, enforced centrally rather than in every servicenot Skaleet

Where each one falls short

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

Skaleet

  • The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
  • It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
  • As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
  • Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.

Skyflow

  • Reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.
  • Every read of a protected field becomes a network call to a third party, so latency and an external availability dependency enter paths that were previously local database reads, and outage planning has to account for a vendor you do not control.
  • Analytics and joins on vaulted data are constrained; work that was a simple SQL join now happens through secure functions or on tokens, and data teams routinely discover this after the engineering team has committed.
  • Unwinding the vault later is a rewrite rather than a migration because tokens are threaded through every service, so the switching cost climbs steadily and the negotiating position at renewal weakens with each release.
  • Scope reduction is an architectural claim your own assessor must accept, so the audit saving is real only if the implementation genuinely keeps sensitive values off your systems, and partial implementations that leave a cache or a log line in place deliver the cost without the benefit.

Pricing, plan by plan

Skaleet

On request
  • Skaleet Core Banking Platform$undefined/year
    • Subscription licence scaled by accounts and transaction volume
    • Payment hub licensable separately from the full core
    • Implementation and configuration charged as a project

Skyflow

On request
  • Skyflow Data Privacy Vault$undefined/year
    • Platform fee plus usage by data subject count
    • Priced additionally per data residency region
    • PCI Level 1, SOC 2 Type 2, ISO 27001 and HIPAA coverage

Which should you pick?

Choose Skaleet if

  • You need cloud-native core.
  • You work on Web, REST API, Linux.
  • You also want payment hub.
Skaleet review

Choose Skyflow if

  • You need tokenised storage.
  • You work on API, Web, Self-hosted.
  • You also want polymorphic encryption.
Skyflow review

Questions people ask

Is Skaleet or Skyflow better?
Neither clearly leads. Skaleet starts at On request and Skyflow at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Skaleet or Skyflow?
Skaleet starts at On request and Skyflow at On request.
Does Skaleet or Skyflow run on more platforms?
Skaleet runs on Web, REST API, Linux. Skyflow runs on API, Web, Self-hosted.
What is Skaleet best used for?
Skaleet is most often used for a banking group launching a digital savings or deposit brand in a new country within a year, a bank modernising payments to iso 20022 without replacing its whole core, a payroll or hr software company adding embedded banking to its product, a payment service provider needing a ledger and accounts under its existing licence. Of those, a banking group launching a digital savings or deposit brand in a new country within a year and a bank modernising payments to iso 20022 without replacing its whole core are not what Skyflow is typically brought in for.
What can Skaleet do that Skyflow cannot?
Skaleet covers Cloud-native core, Payment hub, Card management, Lending. Skyflow covers Tokenised storage, Polymorphic encryption, Field level access policies, Data residency.

Answered from the vendors’ own pages

Skaleet: What was Skaleet called before?

TagPay. The company rebranded to Skaleet while keeping the same platform lineage.

Skyflow: Does Skyflow really take my systems out of PCI scope?

It can, if card data never touches your infrastructure and the detokenisation happens at the boundary. Your QSA has to agree the design, so validate the architecture with your assessor before signing.

Skaleet: Can I buy just the payment hub?

Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.

Skyflow: What does it cost?

Nothing is published. Reported annual contracts sit around 195,000 US dollars, built from a platform fee plus usage by data subject count and additional charges per data residency region.

Skaleet: How fast are real deployments?

Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.

Skyflow: How does it help with data localisation?

Records can be pinned to a specified region, so an Indian or EU residency requirement is met by the vault rather than by you running regional databases and operations teams.

Skyflow: Can I still run analytics on vaulted data?

Partly. Aggregates and comparisons are supported through polymorphic encryption and secure functions, but arbitrary joins against other datasets are harder than they were, and this is the most common late surprise.

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