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SCT12 - Financial Network Access

Connectivity to financial networks and banking systems, enabling access to payment schemes, banking networks, and correspondent relationships through the API.

Overview

This capability provides API access to global financial infrastructure, including payment networks, banking systems, and correspondent banking relationships.

Features

FeatureDescription
Banking Network IntegrationConnect to banking systems
Payment Scheme AccessAccess to payment rails
Smart RoutingOptimal network selection
Network MonitoringReal-time status monitoring
Fallback RoutingAlternative routing mechanisms

Configuration Options

LevelAccessFeatures
BasicLimited networksSingle region
StandardRegional accessMulti-network routing
AdvancedGlobal accessFull redundancy

API Usage

Get Available Networks

GET /api/v1/networks
Authorization: Bearer {access_token}
Response:
{
  "networks": [
    {
      "network_id": "SEPA",
      "name": "Single Euro Payments Area",
      "status": "OPERATIONAL",
      "settlement_time": "T+1",
      "currencies": ["EUR"],
      "countries": ["DE", "FR", "NL", "BE", "IT", "ES"]
    },
    {
      "network_id": "SEPA_INSTANT",
      "name": "SEPA Instant Credit Transfer",
      "status": "OPERATIONAL",
      "settlement_time": "INSTANT",
      "currencies": ["EUR"]
    },
    {
      "network_id": "SWIFT",
      "name": "SWIFT International",
      "status": "OPERATIONAL",
      "settlement_time": "T+1 to T+3",
      "currencies": ["*"]
    }
  ]
}

Get Network Status

GET /api/v1/networks/{network_id}/status
Authorization: Bearer {access_token}
Response:
{
  "network_id": "SEPA_INSTANT",
  "status": "OPERATIONAL",
  "availability": 99.95,
  "last_incident": null,
  "maintenance_windows": []
}

Get Routing Options

POST /api/v1/networks/route
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "destination_country": "DE",
  "destination_type": "IBAN",
  "amount": 5000.00,
  "currency": "EUR",
  "urgency": "INSTANT"
}
Response:
{
  "recommended_network": "SEPA_INSTANT",
  "alternatives": [
    {
      "network": "SEPA",
      "settlement_time": "T+1",
      "fee": 0.50
    },
    {
      "network": "SWIFT",
      "settlement_time": "T+2",
      "fee": 15.00
    }
  ]
}

Supported Networks

NetworkRegionSettlement
SEPAEU/EEAT+1
SEPA InstantEU/EEA< 10 seconds
Faster PaymentsUK< 2 hours
SWIFTGlobalT+1 to T+3
SWIFT gpiGlobalSame-day

Integration with Other Capabilities

CapabilityIntegration
SCT03 - CountryNetwork availability per country
SCT04 - Instant PaymentInstant payment rails
SCT09 - Multi-CurrencyCross-border networks

Network APIs

View detailed network API specifications

Subscription Tier Availability

TierConfiguration Level
StarterBasic
ProfessionalStandard
EnterpriseAdvanced
CustomConfigurable