Financial experiences, in action

Every example on this site in one place, by what you need to do. Each one is illustrative and moves no real money.

See the network around an organisation

Who takes part, what moves between them, and how the picture changes with the kind of organisation.

View network as

Connect financial capabilities, institutions and participants through one flexible operating layer.

For: 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 Developers and product teams

Network

Illustrative

Federated Banking™

OrganisationBankPayment ProviderLenderPension FundGovernment AgencyMerchantPlatformMember

PaymentsCollections

Payments £24,500 GBPFederated Banking™ to Payment Provider
Collections £146,200Member to Federated Banking™
Payouts £412,800Federated Banking™ to Merchant
Settlement £84.2MFederated Banking™ and Bank, both ways
Lending £10,000Lender to Federated Banking™
Pensions £84,220Pension Fund to Federated Banking™
Benefits £8.4MGovernment Agency to Federated Banking™
Treasury £2.4MFederated Banking™ and Organisation, both ways
Split Payment £1,000.00Federated Banking™ to Platform

Active Participants: 218
Capabilities: 74
Transactions: 8.4M
Volume: £2.4B

Select a participant to see its role, capabilities and flows.

Organisation
Bank
Payment Provider
Lender
Pension Fund
Government Agency
Merchant
Platform
Member

View network as

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.

Network

Illustrative

View network as

Federated Banking™

PlatformBuyersSellersMerchantsContractorsPayment ProvidersLenders

PaymentsCollections

CollectionsBuyers to Federated Banking™
Split PaymentsFederated Banking™ to Sellers
PayoutsFederated Banking™ to Contractors
RefundsFederated Banking™ to Merchants
CreditLenders to Federated Banking™

Select a participant to see its role, capabilities and flows.

Platform
Buyers
Sellers
Merchants
Contractors
Payment Providers
Lenders

View network as (11)

Platform
Platform, Buyers, Sellers, Merchants, Contractors, Payment Providers, Lenders
Collections, Split Payments, Payouts, Refunds, Credit
Enterprise
Parent Group, Subsidiaries, Branches, Suppliers, Banks, FX Providers
Supplier Payments, Intercompany Transfers, Collections, Cash Positioning, FX
Government
Government Department, Pension Funds, Banks, Healthcare, Local Authorities, Payment Providers
Benefits, Pensions, Grants, Collections, Reimbursements
Pension Fund
Pension Scheme, Employers, Administrators, Members, Banks, Beneficiaries
Contributions, Member Payouts, Transfers, Beneficiary Payments
Sports Club
Club, Fans, Sponsors, Merchants, Suppliers, Financial Providers
Ticketing, Fan Payments, Refunds, Rewards, Supplier Payments, FX
Healthcare Network
Hospitals, Clinics, Patients, Insurers, Suppliers, Payment Providers
Patient Payments, Insurer Settlements, Reimbursements, Supplier Payments
Legal Network
Law Firm, Offices, Clients, Counterparties, Banks, Payment Providers
Client Money, Invoices, Disbursements, Settlements, FX
Marketplace
Marketplace, Buyers, Sellers, Delivery Partners, Lenders, Payment Providers
Collections, Seller Payouts, Refunds, Instalments, Settlement
Retail Group
Retail Group, Stores, Shopping Centres, Suppliers, Customers, Card Providers
Store Takings, Supplier Payments, Tenant Settlement, Loyalty, Refunds
Hotel Group
Hotel Group, Properties, Guests, Booking Partners, Suppliers, Payment Providers
Guest Payments, Deposits, Partner Commissions, Supplier Payments, FX
Freight Network
Forwarder, Carriers, Agents, Ports, Customs, Customers, Banks
Freight Payments, Agent Settlement, Duties, Carrier Payouts, FX

Financial infrastructure shaped around your organisation.

Choose your stakeholder type and see the capabilities, applications and financial flows most relevant to you.

Network

Illustrative

I am a…

Federated Banking™

Centre OperatorTenantsShoppersCard ProvidersService PartnersBanks

Payments

Rent → CentreFederated Banking™ to Centre Operator
Gift Card Spend → TenantsFederated Banking™ to Tenants
Rewards → ShoppersFederated Banking™ to Shoppers
Settlement → TenantsFederated Banking™ to Tenants

Select a participant to see its role, capabilities and flows.

Centre Operator
Tenants
Shoppers
Card Providers
Service Partners
Banks

I am a… (13)

Shopping Malls & Shopping Centres: Turn your centre into a connected financial environment.
Centre Operator, Tenants, Shoppers, Card Providers, Service Partners, Banks
Rent → Centre, Gift Card Spend → Tenants, Rewards → Shoppers, Settlement → Tenants
Supermarket Chains: Keep every store, supplier and customer in one financial picture.
Head Office, Stores, Suppliers, Customers, Card Providers, Banks
Takings → Head Office, Payments → Suppliers, Rewards → Customers, Positions → Treasury
International Law Firms: One way to handle client money across every office and jurisdiction.
Firm, Offices, Clients, Counterparties, Banks, Payment Providers
Client Funds → Matter, Disbursements → Counterparties, Settlements → Clients, Invoices → Clients
Sports Clubs: Bring fans, members, sponsors and suppliers into your club's financial relationship.
Club, Fans, Members, Sponsors, Merchants, Suppliers, Financial Providers
Ticketing → Club, Rewards → Fans, Payments → Suppliers, Sponsorship → Club
Marketplaces: Operate money on every side of your marketplace.
Marketplace, Buyers, Sellers, Delivery Partners, Lenders, Payment Providers
Order → Split, Payout → Sellers, Refund → Buyers, Fees → Marketplace
Shipping, Freight Forwarding & Cargo: Settle every leg of the shipment, in every currency it touches.
Forwarder, Shippers, Carriers, Agents, Ports, Customs, Banks
Freight Charges → Forwarder, Payments → Carriers, Settlement → Agents, Duties → Customs
Hotels & Hotel Groups: One guest experience, one financial view, every property.
Hotel Group, Properties, Guests, Booking Partners, Suppliers, Payment Providers
Bookings → Properties, Commissions → Partners, Payments → Suppliers, Positions → Group Treasury
Freelancer Marketplaces: Pay independent talent anywhere, on time and in their currency.
Marketplace, Clients, Freelancers, Agencies, Payment Providers, Banks
Funding → Milestone, Release → Freelancers, Fees → Marketplace, Refunds → Clients
Umbrella Companies: Pay contractors accurately, every pay cycle.
Umbrella Company, Agencies, End Clients, Contractors, Banks, Pension Providers
Invoices → Agencies, Pay Run → Contractors, Contributions → Pension Providers, Remittances → Authorities
Accounting Firms: Give every client a clearer financial operation.
Firm, Clients, Client Entities, Suppliers, Banks, Tax Authorities
Approvals → Payments, Statements → Reconciliation, Reports → Clients, Remittances → Authorities
Government Agencies: Deliver public money with confidence.
Agency, Programmes, Citizens, Banks, Local Authorities, Payment Providers
Benefits → Citizens, Grants → Local Authorities, Collections → Agency, Refunds → Citizens
Hospitals: Bring patient, insurer and supplier money into one view.
Hospital, Departments, Patients, Insurers, Suppliers, Banks
Patient Payments → Hospital, Claims → Insurers, Settlements → Hospital, Payments → Suppliers
Clinics & Clinic Groups: Simple patient payments, clear settlement across every location.
Clinic Group, Clinics, Practitioners, Patients, Insurers, Payment Providers
Payments → Clinics, Claims → Insurers, Payouts → Practitioners, Refunds → Patients

Different networks. One financial operating layer.

Network

Illustrative

Federated Banking™

Government DepartmentBankPension FundHealthcare OrganisationLocal Authority

Network: Private
Participants: 12
Capabilities: 34
Jurisdiction: UK

Select a participant to see its role, capabilities and flows.

Government Department
Bank
Pension Fund
Healthcare Organisation
Local Authority

Views (6)

Closed Network: Connect trusted participants inside a governed financial ecosystem.
Government Department, Bank, Pension Fund, Healthcare Organisation, Local Authority
Enterprise Network: Connect subsidiaries, branches and financial providers.
Parent Group, Entity A, Entity B, Entity C, Banks, Payments, FX
Platform Network: Operate money across every side of your platform.
Platform, Buyers, Sellers, Merchants, Contractors, Partners
Partner Network: Bring banks and providers together around shared customers.
Lead Organisation, Partner Banks, Payment Providers, Lenders, Card Providers
Branded Finance: Your brand in front, financial partners behind it.
Your Brand, Customers, Card Provider, Account Provider, Lender, Rewards Partners
Embedded Finance: Financial capabilities inside the product your users already use.
Your Product, Users, Account Provider, Payment Provider, Lender, Card Provider

A connected public finance ecosystem.

Bring trusted public institutions, pension providers, healthcare organisations and banks into one governed financial environment.

Network

Illustrative

Federated Financial Network

Department for Work & PensionsPension FundsNHS / HealthcareHigh Street BanksLocal Authorities

Payments

BenefitsDepartment for Work & Pensions to High Street Banks
ContributionsHigh Street Banks to Pension Funds
ReimbursementsDepartment for Work & Pensions to NHS / Healthcare
GrantsDepartment for Work & Pensions to Local Authorities

Institutions: 12
Capabilities: 34
Network Volume: £24.8B
Reconciled: 99.98%

Select a participant to see its role, capabilities and flows.

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

See money move

Payments, splits, settlement, reconciliation and every use case, each from its first step to its last.

Payments

Money movement

Illustrative

Amount £2,500.00

Checking...Organisation
Supplier invoice
ReadyOrganisation Payment Provider
Processing...Payment Provider Bank
CompletedBank Beneficiary

Currency: GBP
Reference: Supplier invoice

Split Payment

Split

Illustrative

Order value£1,000.00

Seller£780
Platform£120
Delivery£50
Tax£50

FX

Money movement

Illustrative

You send £10,000 GBP

You sendParent Group FX Providers
£10,000 GBP
RateFX Providers
1 GBP = 1.1645 EUR
You receiveFX Providers Subsidiaries
€11,645 EUR

Network Settlement

Settlement

Illustrative

Gross: £420,000
Net: £168,400
Participants: 12
Status: Ready

Organisation
Bank
Payment Provider
Lender
Pension Fund
Government Agency
Merchant
Platform
Member
Subsidiaries
Branches
Suppliers

Reconciliation

Illustrative

INV-24031Northline Distribution£4,820.00 MatchedReference and amount £4,820.00
INV-24032Riverside Supplies£1,215.40 ExceptionAmount differs by £12.40 £1,203.00
PAY-88107Harbour Freight£12,600.00 MatchedReference and amount £12,600.00
DD-55210Member 4417£86.50 MatchedMandate and date £86.50
INV-24035Elm Street Clinic£2,940.00 ExceptionNo remittance received none
PAY-88111City Council£18,000.00 MatchedReference and amount £18,000.00
REF-30912Buyer 2281£39.99 ExceptionRefund paid twice £79.98
PAY-88115Unknown sender£500.00 ExceptionReference missing £500.00
INV-24040Orchard Hotels€3,200.00 ExceptionCurrency differs (EUR) £2,748.00
PAY-88119Lindenwall Lettings£1,450.00 ExceptionAccount closed at the bank returned

Records: 1,842
Matched: 1,836
Exceptions: 6

Accounts

Money movement

Illustrative

Available balance £12,450.00 GBP

SendMember Merchant
£2,500.00
ReceivePlatform Member
£780
View ActivityMember
£12,450.00 GBP

Lending

Money movement

Illustrative

Available credit £10,000

Available creditLender Member
£10,000
Select termMember
3 months, 6 months or 12 months
Merchant paidLender Merchant
Embed credit and instalment experiences through connected financial partners.

Pension Contribution

Money movement

Illustrative

Employer contribution £84,220

Contribution receivedEmployers Pension Scheme
£84,220
AllocatedPension Scheme Members
417 members
ConfirmedAdministrators
Ready to allocate

Benefits Disbursement

Money movement

Illustrative

Next run £8.4M

Eligibility confirmedGovernment Department
Income Support
Run preparedGovernment Department Banks
£8.4M
PaidBanks Beneficiaries
14,842 recipients

Collections

Collect from customers across channels and providers.

Money movement

Illustrative

Amount £146,200

Invoice issuedPlatform Buyers
Payment requestedPlatform Buyers
4 channels
PaidBuyers Payment Providers
3,214 payments
MatchedPlatform
ReportedPlatform

Payouts

Pay many recipients accurately and on schedule.

Money movement

Illustrative

Amount £412,800

Batch preparedPlatform
1,906 recipients
ApprovedOrganisation
Provider selectedPlatform Payment Providers
SentPayment Providers Contractors
2 currencies
ConfirmedBank Platform

Settlement

Settle obligations between participants.

Settlement

Illustrative

Gross: £420,000
Net: £168,400
Participants: 12

Organisation
Bank
Payment Provider
Lender
Pension Fund
Government Agency
Merchant
Platform
Member
Subsidiaries
Branches
Suppliers

Reconciliation

Match expected and actual activity, surface exceptions.

Reconciliation

Illustrative

INV-24031Northline Distribution£4,820.00 MatchedReference and amount £4,820.00
INV-24032Riverside Supplies£1,215.40 ExceptionAmount differs by £12.40 £1,203.00
PAY-88107Harbour Freight£12,600.00 MatchedReference and amount £12,600.00
DD-55210Member 4417£86.50 MatchedMandate and date £86.50
INV-24035Elm Street Clinic£2,940.00 ExceptionNo remittance received none
PAY-88111City Council£18,000.00 MatchedReference and amount £18,000.00
REF-30912Buyer 2281£39.99 ExceptionRefund paid twice £79.98
PAY-88115Unknown sender£500.00 ExceptionReference missing £500.00
INV-24040Orchard Hotels€3,200.00 ExceptionCurrency differs (EUR) £2,748.00
PAY-88119Lindenwall Lettings£1,450.00 ExceptionAccount closed at the bank returned

Records: 1,842
Matched: 1,836
Exceptions: 6

BNPL

Offer instalments at the point of purchase.

Money movement

Illustrative

Amount £1,200 basket

BasketBuyers Merchant
Offer shownLender Buyers
3 instalments
Plan acceptedBuyers Lender
Merchant paidLender Merchant
1 partner
Instalments collectedLender Buyers

Supplier Payments

Coordinate supplier payments across entities and providers.

Money movement

Illustrative

Amount £82,400

Invoice receivedSuppliers Parent Group
12 suppliers
ApprovedParent Group
Payment preparedSubsidiaries
Financial provider selectedParent Group Banks
Payment sentBanks Suppliers
3 currencies
ReconciledParent Group

Benefits

Deliver benefit payments to recipients.

Money movement

Illustrative

Amount £8.4M

Eligibility confirmedGovernment Department
1 programme
Run preparedGovernment Department
ApprovedGovernment Department
PaidBanks Beneficiaries
14,842 recipients
ReconciledGovernment Department

Pensions

Turn contributions into member allocations.

Money movement

Illustrative

Amount £84,220

Contribution receivedEmployers Pension Scheme
1 employer
ValidatedAdministrators
AllocatedPension Scheme Members
417 members
ConfirmedBanks Pension Scheme
ReportedAdministrators Employers

Client Money

Hold and move client funds against matters.

Money movement

Illustrative

Amount £310,000

Funds receivedClients Law Firm
Assigned to matterLaw Firm
28 matters
ApprovedLaw Firm
DisbursedLaw Firm Counterparties
3 currencies
ReconciledLaw Firm

FX

Quote and convert across currencies.

Money movement

Illustrative

Amount £10,000 → €11,645

Quote requestedParent Group FX Providers
Rate shownFX Providers Parent Group
1 GBP = 1.1645 EUR
AcceptedParent Group
ConvertedFX Providers
SettledBanks Subsidiaries

Treasury

See and position cash across entities.

Money movement

Illustrative

Amount £2.4M

Balances gatheredParent Group Banks
6 accounts
Position calculatedParent Group
Transfer proposedParent Group Subsidiaries
3 entities
ApprovedParent Group
PositionedBanks Subsidiaries

Operate and build on the network

Activity across providers, a provider failing over, one consistent request, designing a network and the record of what happened.

See financial activity across your network in one place.

Another connection takes over.

Network

Illustrative

Federated Banking™

OrganisationMemberMerchantPlatformProvider AProvider BProvider C

PaymentsCollections

Payments £24,500 GBPFederated Banking™ to Provider C
Settlement £84.2MFederated Banking™ to Provider A
Payouts £412,800Federated Banking™ to Provider B
Collections £146,200Member to Federated Banking™
Treasury £2.4MFederated Banking™ to Organisation
PayoutsFederated Banking™ to Merchant
Split PaymentFederated Banking™ to Platform

Active Participants: 218
Capabilities: 74
Transactions: 8.4M
Volume: £2.4B

Select a participant to see its role, capabilities and flows.

Organisation
Member
Merchant
Platform
Provider A Operational
Provider B Operational
Provider C Degraded

Explore financial capabilities through one consistent API.

Build once. Keep provider-specific complexity out of your product.

Money movement

Illustrative

ValidatingPlatform
AcceptedPlatform Payment Provider
ProcessingPayment Provider Bank
CompletedBank Platform

Request

POST /payments

{
  "amount": {
    "currency": "GBP",
    "value": "2500.00"
  },
  "beneficiary": "beneficiary_001"
}

Response

{
  "operation_id": "op_87241",
  "status": "completed"
}

Configure a financial environment in minutes.

Know what happened, when it happened and what followed.

Keep a clear operational record of important financial activity across your network.

Money movement

Illustrative

Supplier Payment £24,500 GBP

CreatedSubsidiaries
Supplier invoice
ApprovedParent Group
ProcessedPayment Provider Bank
ConfirmedBank Suppliers
ReconciledParent Group