> ## 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

# SCT12 - Financial Network Access

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

## Overview

This capability provides connectivity 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        |
| **Correspondent Banking**       | Correspondent relationships    |
| **Network Monitoring**          | Real-time status monitoring    |
| **Fallback Routing**            | Alternative routing mechanisms |

## Supported Networks

### European Networks

| Network             | Description               |
| ------------------- | ------------------------- |
| **SEPA**            | Single Euro Payments Area |
| **SEPA Instant**    | Real-time euro payments   |
| **TARGET2**         | High-value euro transfers |
| **Faster Payments** | UK instant payments       |
| **BACS**            | UK batch payments         |

### Global Networks

| Network       | Description                    |
| ------------- | ------------------------------ |
| **SWIFT**     | International wire transfers   |
| **SWIFT gpi** | Enhanced cross-border payments |
| **Ripple**    | Blockchain-based transfers     |

### Regional Networks

| Network      | Region        |
| ------------ | ------------- |
| **ACH**      | United States |
| **FedWire**  | United States |
| **IMPS/UPI** | India         |
| **NPP**      | Australia     |

## Configuration Options

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

## Network Architecture

```mermaid theme={null}
flowchart LR
    A[Platform] --> B[Network Gateway]
    
    B --> C[SEPA]
    B --> D[SWIFT]
    B --> E[Local Rails]
    B --> F[Card Networks]
    
    C --> G[EU Banks]
    D --> H[Global Banks]
    E --> I[Regional Banks]
    F --> J[Card Issuers]
```

## Network Features

| Feature                | Description               |
| ---------------------- | ------------------------- |
| **Smart Routing**      | Optimal network selection |
| **Fallback**           | Automatic failover        |
| **Status Monitoring**  | Real-time network health  |
| **Cost Optimization**  | Lowest-cost routing       |
| **Speed Optimization** | Fastest route selection   |

## Integration with Other Capabilities

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

## Subscription Tier Availability

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