> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finhub.cloud/llms.txt
> Use this file to discover all available pages before exploring further.

# SCT12 - Financial Network Access

> Connectivity to financial networks and banking systems via API

# 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

| Feature                         | Description                    |
| ------------------------------- | ------------------------------ |
| **Banking Network Integration** | Connect to banking systems     |
| **Payment Scheme Access**       | Access to payment rails        |
| **Smart Routing**               | Optimal network selection      |
| **Network Monitoring**          | Real-time status monitoring    |
| **Fallback Routing**            | Alternative routing mechanisms |

## Configuration Options

| Level        | Access           | Features              |
| ------------ | ---------------- | --------------------- |
| **Basic**    | Limited networks | Single region         |
| **Standard** | Regional access  | Multi-network routing |
| **Advanced** | Global access    | Full redundancy       |

## API Usage

### Get Available Networks

```bash theme={null}
GET /api/v1/networks
Authorization: Bearer {access_token}
```

**Response:**

```json theme={null}
{
  "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

```bash theme={null}
GET /api/v1/networks/{network_id}/status
Authorization: Bearer {access_token}
```

**Response:**

```json theme={null}
{
  "network_id": "SEPA_INSTANT",
  "status": "OPERATIONAL",
  "availability": 99.95,
  "last_incident": null,
  "maintenance_windows": []
}
```

### Get Routing Options

```bash theme={null}
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:**

```json theme={null}
{
  "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

| Network             | Region | Settlement    |
| ------------------- | ------ | ------------- |
| **SEPA**            | EU/EEA | T+1           |
| **SEPA Instant**    | EU/EEA | \< 10 seconds |
| **Faster Payments** | UK     | \< 2 hours    |
| **SWIFT**           | Global | T+1 to T+3    |
| **SWIFT gpi**       | Global | Same-day      |

## Integration with Other Capabilities

| Capability                  | Integration                      |
| --------------------------- | -------------------------------- |
| **SCT03 - Country**         | Network availability per country |
| **SCT04 - Instant Payment** | Instant payment rails            |
| **SCT09 - Multi-Currency**  | Cross-border networks            |

## Related API Reference

<Card title="Network APIs" icon="network-wired" href="/baas/api/reference/financial-operations/transfers">
  View detailed network API specifications
</Card>

## Subscription Tier Availability

| Tier         | Configuration Level |
| ------------ | ------------------- |
| Starter      | Basic               |
| Professional | Standard            |
| Enterprise   | Advanced            |
| Custom       | Configurable        |