10Clouds Financial Institutions

10Clouds Financial Institutions, based in Poland, has operated since 2009 as a software house serving startups through enterprises. The company employs around 200 experts focused on AI-powered operations for financial services. They work with banks, insurers, and fintechs on credit automation, workflow orchestration, AI agents, and agentic commerce. Recent work includes a partnership with PZU, a major insurance provider, to transform operations using AI solutions.

Services and capabilities

10Clouds offers web development, mobile development, product design, and enterprise consulting. Their stated focus is on production-ready AI for financial institutions. They handle credit automation workflows and have built AI-powered biometric identity verification systems (Trust Stamp). The company describes a discovery-to-scalable-solution approach they call "10C Agile Delivery."

On the fintech side, they've worked on platforms like Crescent, a savings product offering up to 6% APY, and Qenta, a gold-backed digital asset platform with supply chain verification. Beyond finance, they've delivered work in healthcare (clinical data management), blockchain, retail, and fleet operations.

Notable work

Crescent is a savings platform delivering "100x higher interest rates compared to traditional savings accounts" with up to 6% APY, no minimums, and no hidden fees. Qenta is a blockchain-based digital asset platform backed by gold with verified supply chain tracking. They also worked on Trust Stamp, an AI-powered biometric identity verification service. In non-financial sectors, they built the backend and interfaces for Datacapt (clinical data management), and created employer branding collateral for Displate, a global artwork marketplace.

Clients quoted on Clutch include CTOs praising their DevOps setup from scratch and their communication style. One CEO noted 10Clouds "is supporting us" in revolutionizing the clinical trials industry. Clutch ratings show 85+ reviews with a 4.9 out of 5 score.

How they work

10Clouds operates on an agile delivery model, positioning themselves as partners rather than vendors. They emphasize open communication and transparent work methods. The company has worked with companies ranging from one-person startups to enterprises like Pinterest and Asmodee. They handle full-cycle projects from discovery through development of scalable solutions.

Team and credentials

10Clouds employs 200 experts. Founded in 2009, the company has been recognized as a Top Artificial Intelligence Company 2024, one of the World's Top 30 Design Teams, and the World's Best Blockchain Consulting Company according to various industry rankings. On Clutch, they maintain a 4.9 out of 5 rating across 85+ reviews.