“"To successfully complete this project within tight deadlines, we needed a scalable core banking system, easily integrated and therefore equipped with numerous APIs, easily configurable, and agile partner, both the software vendor and the integrator-who demonstrated close working relationships. Skaleet and Onepoint were the right solution for our needs. We worked together in a spirit of trust."”
Legacy vs Skaleet
Legacy systems are slow, costly and structurally incompatible with the speed of modern banking. Skaleet is built for institutions that can no longer afford to wait.
Trusted by Category Leaders
ARCHITECTURE
With a legacy core banking system:
Monolithic architecture means every component is tightly coupled - changes are slow, costly, and risky
On-premise deployment demands heavy infrastructure investment just to keep the lights on
Batch-based processing keeps data perpetually out of date - no real-time visibility on transactions or balances
Outdated proprietary stacks that few engineers still master make innovation virtually impossible
With Skaleet
From monolithic to modular. At your pace.
API first & modular
Activate only the banking assets you need to match your use cases - and connect to a best-of-breed partner ecosystem to deliver end-to-end seamless solutions without heavy integrations
Cloud-based
No infrastructure to manage, no version upgrades to plan. Always up to date, always available, and infinitely scalable as your business grows.
Event-driven and Real time
Transactions, balances, and reporting always reflect the current state - no batch processing delays, no reconciliation gaps, no stale data.
AI-ready
Modern, API-first foundations make AI a first-class citizen - not an afterthought. Plug in AI models, automate decisioning, and build intelligent workflows without the constraints of a legacy core
PRODUCT
With a legacy core banking system:
Rigid, hardcoded product rules make every change an IT project: a rate, a limit, a condition, all buried deep in the code
Closed ecosystems (lack of APIs) means expanding the catalog requires costly custom development or third-party integrations, each adding complexity and delay
5 to 7 year upgrade cycles leave banks perpetually running yesterday's platform while the market moves on
With Skaleet
Build faster. Differentiate more. Stay in control
Solutioning approach
Skaleet combines a comprehensive core banking solution with a pre-integrated ecosystem of best-of-breed partners - battle-tested connectivity that accelerates time-to-market, lowers costs and eliminates execution risk.
Continuous delivery
You buy the solution once - new releases every two months, rolled out to all customers with no freeze windows, no migration, no extra cost.
BUSINESS VALUE
With a legacy core banking system:
18-24 month implementation timelines delay revenue, delay market entry, and delay everything that follows
High upfront licensing costs mean infrastructure, licenses, and maintenance contracts are committed long before the first transaction is processed
Heavy custom development turns every project into a multi-month specification and build effort before anything goes live
With Skaleet
SaaS economics. Banking grade
Fastest time to market
From contract signature to production in an average of 6 months - fast to seize market opportunities and start monetizing from day one.
Pay as you go - Pay as you grow
A usage-based pricing model that scales with your business - predictable, transparent, and free of hidden costs.
Reduced total cost of ownership
No infrastructure, no upgrade projects, no hidden maintenance costs - a predictable cost base that lets you invest in growth, not in keeping the lights on.
Side-by-side comparison
| Criterion | Skaleet | Banking as a service providers (Swan, Treezor, XPollens) |
|---|---|---|
Interchanges & deposits revenue Who captures the revenues from card transactions and deposits? | SkaleetFull capture of revenues | Banking as a service providers (Swan, Treezor, XPollens)Revenue shared with BaaS provider |
Cost structure How do costs evolve as transaction volumes grow? | SkaleetDegressive variable pricing | Banking as a service providers (Swan, Treezor, XPollens)High variable costs on usage |
Control on pricing strategy Can you set and adjust your fees independently? | SkaleetFull control on pricing | Banking as a service providers (Swan, Treezor, XPollens)No control on pricing |
Visibility on onboarding (KYC/KYB) Can your team monitor and act on KYC/KYB flows? | SkaleetFull responsibility on onboarding | Banking as a service providers (Swan, Treezor, XPollens)No control & visibility |
Control over technology partners Can you choose and negotiate your vendors? | SkaleetBetter control. 1-to-1 contracts | Banking as a service providers (Swan, Treezor, XPollens)One size fits all, low bargaining power |
Functional coverage & roadmap independence Can you ship features on your own schedule? | SkaleetLarge functional coverage on demand | Banking as a service providers (Swan, Treezor, XPollens)Dependency on BaaS IT roadmap |
Ownership of customer base & brand Do customers interact with one brand or two? | SkaleetOwnership of customer and brand stickiness | Banking as a service providers (Swan, Treezor, XPollens)No ownership & brand dilution (2 brands) |
Ability to support customers on IT incidents Can you resolve issues without depending on the provider? | SkaleetFull ability to support customers | Banking as a service providers (Swan, Treezor, XPollens)Limited ability to support customers |