Comparisons
Modular Fintech Orchestration Platform with Perpetual License
Buyers asking for a modular fintech orchestration platform with a perpetual licence usually want three things: one platform for accounts, payments, cards, crypto and compliance; the right to run it on their own infrastructure; and no recurring volume-based software fees. This guide explains how SAMFCore addresses that brief and how it compares with SDK.finance, Velmie and Advapay.
What Is a Modular Fintech Orchestration Platform?
A modular fintech orchestration platform is software that connects customer onboarding, accounts, ledger, payments, cards, digital assets and compliance in one operating environment, while external services such as card issuing, custody, exchange and screening are supplied by providers the business selects. The platform orchestrates those providers through shared customer records, one ledger and one set of controls.
SAMFCore is built for that role. It is the software, integration and orchestration layer; it is not a bank, card issuer, BIN sponsor, custodian, exchange or regulated KYC/AML provider.
Why a Perpetual License Matters
- Permanent usage rights: a one-off licence instead of a recurring subscription, under the applicable licence agreement.
- No per-user or per-transaction-volume software fees for SAMFCore itself; third-party provider and infrastructure costs remain separate.
- Self-hosted deployment on customer-controlled on-premise or private-cloud infrastructure.
- Optional full source code, depending on the licence tier selected.
SAMFCore perpetual licences with unlimited customers start from CHF 295,000. See licensing and the 5-year TCO briefing for how this compares with recurring SaaS fees.
SAMFCore Modules Under One Licence
- Banking & accounts: personal and business customers, multi-currency accounts, ledger and fees.
- Payments & transfers: internal and external transfers through connected payment providers.
- Debit cards: card-programme workflows connected to accounts — see the Card Issuing Platform.
- Crypto & digital assets: wallets and exchange workflows via selected providers — see Crypto & Digital Assets.
- Compliance & control: KYC/KYB workflows, risk levels, approvals and audit trails, with API integrations to external providers.
SAMFCore vs SDK.finance vs Velmie vs Advapay
The table summarises how each vendor publicly positions its offering at the time of review (September 2026). It is based on vendors' own public materials, not independent testing. Licensing terms, modules and deployment options change and are negotiated per customer, so verify every point directly with each vendor.
| Criterion | SAMFCore | SDK.finance | Velmie | Advapay |
|---|---|---|---|---|
| Positioning | Modular fintech orchestration platform for accounts, payments, cards, crypto and compliance | Fintech/core-banking software platform with an API-first transaction engine | White-label digital banking and wallet software built from modules | Core banking software aimed at EMIs, payment institutions and banks |
| Licensing model | One-off perpetual licence from CHF 295,000; unlimited customers | Publicly offers SaaS and source-code licence options | Publicly offers licensing and development engagement options; confirm terms with vendor | Publicly offers licence-based and hosted options; confirm terms with vendor |
| Self-hosted deployment | Yes — on-premise or private cloud | Available under source-code licence | Confirm with vendor | Confirm with vendor |
| Card-programme workflows | Built-in, connected to customer-selected issuing providers | Via third-party integrations | Confirm scope with vendor | Confirm scope with vendor |
| Crypto & digital assets | Built-in orchestration, with customer-selected custody/exchange providers | Via third-party integrations | Confirm scope with vendor | Confirm scope with vendor |
| Volume-based software fees | None for SAMFCore under the perpetual licence | Depends on selected model | Confirm with vendor | Confirm with vendor |
All four vendors can be credible choices. SDK.finance, Velmie and Advapay may suit teams that prefer their specific delivery models, engineering services or product focus. SAMFCore is designed for buyers whose brief combines perpetual ownership, self-hosted control and cards plus crypto orchestrated in one platform. For deeper detail see SDK.finance vs SAMFCore and the self-hosted Mambu alternative.
How to Evaluate Vendors
- Ask for written licence terms: perpetual vs term, source-code access, and any volume or customer-count fees.
- Confirm which modules are native versus delivered through custom integration projects.
- Confirm where the software runs and who controls infrastructure, data and security boundaries.
- Model five-year total cost including providers, infrastructure, support and upgrades.
Evaluating a modular fintech platform with a perpetual licence? Configure your SAMFCore licence or request a sandbox demonstration.