FEDERATED FINANCIAL INFRASTRUCTURE
Connect financial capabilities, institutions and participants through one flexible operating layer.
Launch embedded finance, closed financial networks, branded financial services, sector-specific FinancialOS products and high-volume financial operations without hard-wiring your business to a single bank or provider.
START WITH WHO YOU ARE
Choose your stakeholder type and see the capabilities, applications and financial flows most relevant to you.
Built for any organisation where money moves between many parties, locations, jurisdictions or banking and payment systems.
Support buyers, sellers, merchants, contractors and partners through one consistent financial layer.
Capabilities
I am a…
Bring accounts, payments, treasury, suppliers, FX, settlement and reconciliation into one operating view.
Capabilities
Offer accounts, payments, cards and credit within platforms, enterprises, public programmes and member organisations. Take part in networks you could not serve alone.
Capabilities
Connect departments, programmes, banks and approved service providers around benefits, pensions, grants, collections and disbursements.
Capabilities
I am a…
Operate financial flows across employers, pension schemes, administrators, banks and members.
Capabilities
Coordinate patient payments, insurer settlements, reimbursements and supplier flows across hospitals, clinics and care networks.
Capabilities
I am a…
Offer branded financial experiences while connecting fans, members, merchants, sponsors and providers.
Capabilities
I am a…
Coordinate invoicing, client money workflows, approvals, settlement and reconciliation across legal entities and jurisdictions.
Capabilities
I am a…
Bring store takings, supplier payments, tenant settlement, loyalty, instalments and treasury into one consistent view across every location.
Capabilities
I am a…
Coordinate guest payments, deposits, tenant settlement, partner commissions and supplier payments across properties, brands and countries.
Capabilities
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Coordinate freight payments, carrier and agent settlement, duties, driver payouts and FX across routes, jurisdictions and currencies.
Capabilities
I am a…
Coordinate client collections, contractor and worker payouts, deductions, expenses and multi-currency payments across clients, agencies and jurisdictions.
Capabilities
I am a…
EXPLORE BY CONTEXT
As each value changes, everything below reconfigures in real time.
WHAT ARE YOU BUILDING?
Add accounts, payments, cards, lending and other financial capabilities directly into your product.
Operate collections, payouts, treasury, settlement, reconciliation and reporting from one environment.
Connect approved institutions and participants inside a permissioned financial ecosystem.
Launch financial services under your own organisation or consumer brand.
Operate financial flows between customers, sellers, merchants, contractors and partners.
Build financial operations around the specific structure of your industry.
FINANCIAL CAPABILITIES
Connect, create and operate financial accounts through a consistent experience.
Shown in Accounts
Initiate, receive and track payments across connected financial providers.
Shown in PaymentsSplit Payment
Disburse funds to individuals, businesses, members and network participants.
Offer and manage card experiences through configured providers.
Embed credit and instalment experiences through connected financial partners.
Shown in Lending
Quote and exchange currencies across configured financial providers.
Shown in FX
Understand and operate cash across accounts, entities and providers.
Shown in Accounts
Coordinate financial obligations between participants.
Shown in Network Settlement
Compare expected and external financial activity and surface exceptions.
Shown in Reconciliation
Create, track and reconcile commercial financial obligations.
No match
SEE IT WORK
Available balance
£12,450.00 GBP
Send payment
Order value
£1,000.00
Available credit
£10,000
Today
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NETWORK MODELS
Ideal for public-sector networks, pension ecosystems, healthcare, industry consortia and institutional networks.
Ideal for bank partnerships, provider alliances and programmes where several institutions serve the same customers.
Ideal for retailers, clubs, membership organisations and employers offering financial services under their own name.
Ideal for software platforms, marketplaces and vertical applications adding accounts, payments, cards or credit to their own experience.
BUILT FOR COMPLEX FINANCIAL ENVIRONMENTS
Built for any organisation where money moves between many parties, locations, jurisdictions or banking and payment systems.
WHAT DO YOU NEED TO DO?
OPERATE ACROSS JURISDICTIONS
Availability depends on configured providers, permissions and jurisdiction.
Explore UKCONNECT TO THE FINANCIAL ECOSYSTEM
Rail and standard availability depends on configured financial providers and deployment jurisdiction.
EXAMPLE NETWORK
Bring trusted public institutions, pension providers, healthcare organisations and banks into one governed financial environment.
Illustrative example. Figures and organisations shown are not live data and not participants.
PLATFORM ECONOMY
Offer financial capabilities to buyers, sellers, merchants, contractors and partners through one consistent operating layer.
One integration can support multiple financial services and multiple financial providers while your platform retains one consistent experience.
Explore Platform FinanceYOUR PLATFORM
Financial capabilities
YOUR BRAND. FINANCIAL CAPABILITIES BUILT IN.
Build branded financial experiences for customers, members, fans, merchants or employees without designing around a single provider.
Example Brand Money
OPERATE THE NETWORK
Provider connections
DEVELOPER PLATFORM
Request
{
"amount": {
"value": "2500.00",
"currency": "GBP"
},
"beneficiary": "beneficiary_001"
}Example request: POST /payments
Response
{
"operation_id": "op_87241",
"status": "completed"
}Build once. Keep provider-specific complexity out of your product.
DESIGN YOUR NETWORK
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Your Network
Example
Your selection
Nothing selected yet
Choose at least one in each step
CONTROL WITHOUT LOCK-IN
Define which organisations, applications and participants belong in each network.
Apply operating rules, approvals and financial controls appropriate to your use case.
Maintain clear visibility into financial operations, outcomes and exceptions.
TRACEABLE FINANCIAL OPERATIONS
Keep a clear operational record of important financial activity across your network.
Supplier Payment
£24,500 GBP
CONNECT YOUR FINANCIAL ECOSYSTEM
No match
Your product
Providers are interchangeable parts of your financial environment — your product remains consistent.
ONE OPERATING EXPERIENCE ACROSS MARKETS
One consistent experience
Local configuration
Local configuration underneath. One consistent experience above.
FEDERATED BANKING
Banking infrastructure has traditionally been designed around individual institutions and providers.
Federated Banking enables organisations to compose financial capabilities across multiple providers and participants while maintaining one consistent operating experience.
Use it to build
Compose the capabilities, participants and financial services your organisation needs — without designing your future around one provider.