--- title: "Federated Banking™ — Infrastructure for connected financial ecosystems." description: "Connect financial capabilities, institutions and participants through one flexible operating layer." url: https://federatedbanking.com/ lang: en-GB source: "Federated Banking" --- FEDERATED FINANCIAL INFRASTRUCTURE # Build financial services around your network — not around one provider. 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. Build Your Network Explore Federated Banking Explore APIs - Capability-First - Provider-Agnostic - Network-Ready - Policy-Governed - Multi-Jurisdiction View network as - Organisation - Bank - Payment Provider - Lender - Pension Fund - Government Agency - Merchant - Platform - Member START WITH WHO YOU ARE ## Financial infrastructure shaped around your organisation. 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. Platforms & Marketplaces Enterprises Banks & Financial Institutions Government & Public Sector Pension Funds Healthcare Sports & Membership Legal & Professional Services Retail & Commerce Hospitality & Property Transport & Logistics Workforce & Freelance ### Turn your platform into a financial ecosystem. Support buyers, sellers, merchants, contractors and partners through one consistent financial layer. Capabilities - Accounts - Collections - Payments - Payouts - Split Payments - Cards - Credit - FX - Settlement - Reconciliation Explore Platform Economy I am a… Marketplaces EXPLORE BY CONTEXT ## Configure the financial environment you need. As each value changes, everything below reconfigures in real time. Stakeholder Application Use Case Capability Industry Jurisdiction Network Current configuration Pension Fund · United Kingdom · Closed Network · Member Payouts Ready to explore Open Interactive View WHAT ARE YOU BUILDING? ## From one capability to an entire financial operating environment. - ### Embedded Finance Add accounts, payments, cards, lending and other financial capabilities directly into your product. Explore - ### FinancialOS Operate collections, payouts, treasury, settlement, reconciliation and reporting from one environment. Explore - ### Closed Financial Network Connect approved institutions and participants inside a permissioned financial ecosystem. Explore - ### Branded Finance Launch financial services under your own organisation or consumer brand. Explore - ### Platform Finance Operate financial flows between customers, sellers, merchants, contractors and partners. Explore - ### Sector Financial Infrastructure Build financial operations around the specific structure of your industry. Explore FINANCIAL CAPABILITIES ## Start with the financial outcome you need. Search capabilities… All Money Movement Accounts Cards Credit FX Treasury Settlement Operations - ### Accounts Connect, create and operate financial accounts through a consistent experience. - Account Information - Balances - Transactions - Account Services - ### Payments Initiate, receive and track payments across connected financial providers. - Pay - Receive - Bulk Payments - Recurring Payments - ### Payouts Disburse funds to individuals, businesses, members and network participants. - Single Payout - Bulk Payout - Scheduled Payout - ### Cards Offer and manage card experiences through configured providers. - Virtual Cards - Physical Cards - Controls - Limits - ### Lending & BNPL Embed credit and instalment experiences through connected financial partners. - Credit - Instalments - Working Capital - Limits - ### FX Quote and exchange currencies across configured financial providers. - Quotes - Conversions - Multi-Currency - ### Treasury Understand and operate cash across accounts, entities and providers. - Cash Position - Liquidity - Collections - Payments - ### Settlement Coordinate financial obligations between participants. - Settlement Runs - Participant Positions - Settlement Status - ### Reconciliation Compare expected and external financial activity and surface exceptions. - Matching - Exceptions - Investigations - ### Invoicing Create, track and reconcile commercial financial obligations. - Invoices - Receivables - Payments - Status SEE IT WORK ## Explore financial experiences in real time. ### Accounts Available balance £12,450.00 GBP Send Receive View Activity ### Payments Send payment Beneficiary Amount Currency Reference Send Payment 1. Checking... 2. Ready 3. Processing... 4. Completed ### Split Payment Order value £1,000.00 - Seller **£780** - Platform **£120** - Delivery **£50** - Tax **£50** Simulate Split ### FX **You send** £10,000 GBP **You receive** €11,645 EUR **Rate** 1 GBP = 1.1645 EUR Preview Exchange ### Lending Available credit £10,000 Select term 3 months 6 months 12 months View Options ### Network Settlement **Participants** 12 **Gross** £420,000 **Net** £168,400 **Status** Ready Run Settlement Preview ### Reconciliation Today **Records** 1,842 **Matched** 1,836 **Exceptions** 6 Inspect Exceptions ### Pension Contribution **Employer contribution** £84,220 **Members** 417 **Status** Ready to allocate Preview Allocation ### Benefits Disbursement **Programme** Income Support **Recipients** 14,842 **Next run** £8.4M **Status** Ready Preview Run NETWORK MODELS ## Different networks. One financial operating layer. Closed Network Enterprise Network Platform Network Partner Network Branded Finance Embedded Finance ### Connect trusted participants inside a governed financial ecosystem. Ideal for public-sector networks, pension ecosystems, healthcare, industry consortia and institutional networks. **Network** Private **Participants** 12 **Capabilities** 34 **Jurisdiction** UK Explore Closed Networks - Government Department - Bank - Pension Fund - Healthcare Organisation - Local Authority BUILT FOR COMPLEX FINANCIAL ENVIRONMENTS ## Financial infrastructure for industries where money moves between many parties. Built for any organisation where money moves between many parties, locations, jurisdictions or banking and payment systems. - ### Marketplaces Collections, allocations, seller balances, payouts, refunds, credit and reconciliation. - ### Retail & Ecommerce Consumer finance, supplier payments, cards, refunds, loyalty and treasury. - ### Sports & Clubs Fan finance, ticketing, merchandise, rewards, supplier payments and treasury. - ### Pensions Contributions, member flows, payouts, transfers and reconciliation. - ### Government Benefits, pensions, grants, collections, disbursements and reporting. - ### Healthcare Patient payments, insurer flows, supplier payments and provider settlement. - ### Legal Client money, invoicing, disbursements, multi-jurisdiction settlement and reconciliation. - ### Telecom Collections, dealers, agents, wallets, financing and financial services. - ### Utilities Collections, mandates, refunds, payment plans, arrears and treasury. - ### Airlines & Travel Passenger payments, refunds, agencies, suppliers, FX and settlement. - ### Shipping, Freight & Cargo Freight payments, carriers, ports, duties, FX, settlement and trade flows. - ### Logistics & Delivery Merchant collections, driver payouts, COD, supplier payments and reconciliation. - ### Automotive Deposits, vehicle finance, seller settlement, commissions and insurance flows. - ### Restaurants & Franchise Networks Store settlement, franchise fees, suppliers, delivery platforms and treasury. - ### Hotels & Hospitality Guest payments, deposits, refunds, partner commissions, suppliers and multi-currency treasury. - ### Shopping Centres & Property Rents, service charges, tenant settlement, gift cards and loyalty. - ### Supermarkets & Grocery Store takings, supplier payments, loyalty, refunds and cash positions. - ### Professional Services & Accounting Multi-client collections, payments, approvals, reconciliation and reporting. - ### Workforce & Umbrella Client collections, pay runs, contractor payouts, expenses and deductions. - ### Freelance Platforms Client funding, milestone funds, payouts, fees and multi-currency. Explore All Industries WHAT DO YOU NEED TO DO? ## Explore by financial use case. Collections Payouts Settlement Reconciliation BNPL Supplier Payments Benefits Pensions Client Money FX Treasury OPERATE ACROSS JURISDICTIONS ## Build local financial experiences on one consistent platform. United Kingdom Europe Middle East Africa Asia Pacific North America Availability depends on configured providers, permissions and jurisdiction. Explore UK CONNECT TO THE FINANCIAL ECOSYSTEM ## Work with the standards and financial rails your network requires. Payments Open Banking Account Data Cards Identity & Consent - SEPA - Faster Payments - Bacs - ACH - Card Networks - Local Payment Rails Rail and standard availability depends on configured financial providers and deployment jurisdiction. EXAMPLE NETWORK ## A connected public finance ecosystem. Bring trusted public institutions, pension providers, healthcare organisations and banks into one governed financial environment. - ### Department for Work & Pensions - Benefits - Pensions - Allowances - ### Pension Funds - Contributions - Member Payouts - Transfers - ### NHS / Healthcare - Payments - Reimbursements - Supplier Flows - ### High Street Banks - Accounts - Payments - Settlement - ### Local Authorities - Collections - Grants - Payments - Benefits - Contributions - Reimbursements - Grants Play flows 12 **Institutions** 34 **Capabilities** £24.8B **Network Volume** 99.98% **Reconciled** Illustrative example. Figures and organisations shown are not live data and not participants. PLATFORM ECONOMY ## Make financial services part of your platform. 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 Finance YOUR PLATFORM - Buyers - Sellers - Partners Financial capabilities - Accounts - Payments - Cards - Lending - FX - Payouts - Settlement - Reconciliation YOUR BRAND. FINANCIAL CAPABILITIES BUILT IN. ## Put your brand at the centre of the financial relationship. Build branded financial experiences for customers, members, fans, merchants or employees without designing around a single provider. - Retail Money - Club Finance - Membership Finance - Employee Finance - Marketplace Finance Explore Branded Finance Example Brand Money - Account - Card - Rewards - Instalments - Payments - FX OPERATE THE NETWORK ## See financial activity across your network in one place. ### Network Overview **Active Participants** 218 **Capabilities** 74 **Transactions** 8.4M **Volume** £2.4B ### Live Activity Payments Settlement Payouts FX ### Financial Providers - Provider A **Operational** - Provider B **Operational** - Provider C **Degraded** ### Settlement **Today** £84.2M **Pending** £2.8M **Completed** 98.7% ### Reconciliation **Matched** 99.8% **Exceptions** 42 ### Alerts - 2 provider issues - 4 settlement reviews - 6 reconciliation exceptions Open Operations Preview DEVELOPER PLATFORM ## Explore financial capabilities through one consistent API. Capabilities - Accounts - Payments - Payouts - Cards - FX - Settlement - Reconciliation - Benefits - Pensions POST `/payments` GET `/payments/{id}` POST `/payouts` GET `/accounts/{id}` POST `/settlements` GET `/reconciliations` Request ``` { "amount": { "value": "2500.00", "currency": "GBP" }, "beneficiary": "beneficiary_001" } ``` Try Request 1. Validating 2. Accepted 3. Processing 4. Completed Build once. Keep provider-specific complexity out of your product. API Reference Sandbox SDKs DESIGN YOUR NETWORK ## Configure a financial environment in minutes. 1. ### Choose participants - Customers - Merchants - Banks - Lenders - Pension Funds - Government Agencies - Healthcare Providers - Partners 0 selected 2. ### Choose capabilities - Accounts - Payments - Cards - Lending - FX - Settlement - Reconciliation - Reporting 0 selected 3. ### Choose operating context - Jurisdiction - Network Type - Industry - Use Case - Currency 0 selected Your Network - **7** participants - **14** capabilities - **3** jurisdictions - **1** operating environment Example Your selection Nothing selected yet Choose at least one in each step Create Sandbox CONTROL WITHOUT LOCK-IN ## Financial flexibility with clear operational control. - ### Permissioned Define which organisations, applications and participants belong in each network. - ### Governed Apply operating rules, approvals and financial controls appropriate to your use case. - ### Traceable Maintain clear visibility into financial operations, outcomes and exceptions. TRACEABLE FINANCIAL OPERATIONS ## Know what happened, when it happened and what followed. Keep a clear operational record of important financial activity across your network. Supplier Payment £24,500 GBP Completed 1. Created 2. Approved 3. Processed 4. Confirmed 5. Reconciled View Timeline Download Report CONNECT YOUR FINANCIAL ECOSYSTEM ## Bring the providers you need. Search connected services Banks Payment Providers Lenders Card Providers FX Identity POS & Acquiring Specialist Services - ### Banks - Capabilities - Regions - Status - Environment View Capabilities - ### Payment Providers - Capabilities - Regions - Status - Environment View Capabilities - ### Lenders - Capabilities - Regions - Status - Environment View Capabilities - ### Card Providers - Capabilities - Regions - Status - Environment View Capabilities - ### FX - Capabilities - Regions - Status - Environment View Capabilities - ### Identity - Capabilities - Regions - Status - Environment View Capabilities - ### POS & Acquiring - Capabilities - Regions - Status - Environment View Capabilities - ### Specialist Services - Capabilities - Regions - Status - Environment View Capabilities Your product Providers are interchangeable parts of your financial environment — your product remains consistent. Switch provider ONE OPERATING EXPERIENCE ACROSS MARKETS ## Expand without rebuilding the financial layer every time. One consistent experience UK Europe Middle East Asia Local configuration - Providers - Currencies - Capabilities - Requirements Local configuration underneath. One consistent experience above. FEDERATED BANKING ## Financial infrastructure built around capabilities, participants and networks. 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 - Embedded Finance - FinancialOS - Closed Financial Networks - Platform Finance - Branded Finance - Sector Financial Infrastructure ## What financial network would you build? Compose the capabilities, participants and financial services your organisation needs — without designing your future around one provider. Build Your Network Book a Demo Explore APIs - Capability-First - Provider-Agnostic - Multi-Participant - Multi-Jurisdiction - Network-Ready