Actually, the highest level any finalize can use (noise at 999.9% before finalizing) is 11. At level 24, which is otherwise unobtainable without hacking and knowing how the hell the Secret Satellite Server system works, you get your finalize form's deck with everything using X level cards and a ton of Big Bangs. It's pretty useful in absolutely ripping people apart.
The system is in the American version (which is how I'm using it) but is locked out and can only be activated through A.R. codes. Everything about it is fully translated, though there's problems when Ace pops up to tell you that your folder can be leveled up. He gives you an access code you put into the wave command screen, but the last letter cuts off on the dialog box. Without a guide, you'll pretty much need to go through every letter until you find the right last one.
Pretty much, the SSS system boils down to having six more chips in your deck. The chips you get from it are based on the level of your folder (and whether you've got it running as a Satella Satellite Server folder or as a Meteor Server folder) the position the card appears in your card lineup on the bottom screen, and then selecting one of three folders. The cards will always be the same, no matter what... for example, if the Satellite icon appears on the bottom right slot and you select folder C, you'll get six set cards. If it does this again in another battle and you pick the same folder, they'll be the same six. To that extent, there are over 112 card possibilities.
But no worries. After some testing of my own, anyone using this or the Noise Card/Kaizou Gear will be prevented from finding online matches. You have to disable the NKG equipment and delete the satellite folder if you want to play online... which is fair enough, since both of them can be EXTREMELY lethal and could utterly decimate a typical American player that doesn't hack. If you want to mess around with these, prepare to be mostly offline aside from friend battles.