Seamless wholesale payments

Fnality is defining the future of payments
for banks and businesses,
fully backed by funds held at central bank.

With our network of
decentralised
Payment Systems,
we enable real-time
peer-to-peer payments…

…fundamentally changing wholesale financial markets by delivering:

1:1 backed by funds held at central bank

Real-time atomic settlement

24/7 availability

Active, intraday liquidity optimisation

Risk reduction

Seamless interoperability

The Sterling Fnality Payment System is a world-first.

The Sterling Fnality Payment System (£FnPS) is the first fully regulated, distributed ledger technology-based payment system in the world.

The foundation of our global vision

As the first fully regulated, DLT-based payment system in the world, the £FnPS is not just a new platform, but an innovative approach to financial transactions, leveraging the strength of blockchain technology in a regulated environment.

Learn how

Fully backed by 20
of the world’s leading
financial institutions

Together with our shareholders, we’re developing a solution designed by and for banks, to unlock unprecedented benefits and new revenue opportunities for the wholesale financial sector

Seize the opportunity

We’re building the future
of wholesale payments.

Fnality Payment Systems open up a realm of new possibilities in financial transactions, addressing long-standing problems and creating new opportunities.

How does it work?

Our solution is engineered to redefine the way transactions are conducted between banks. Our innovative design empowers participants to unlock the potential of 24/7, DLT-based settlement of digital cash, fully backed by funds held at central bank.

The Sterling Fnality Payment System is the first step on our journey towards a global, network of payment systems that enable real-time PvP settlement cross-border.

Each Fnality Payment System is able to interoperate seamlessly with any legacy or DLT-based business application, enabling instant atomic settlement of DvP.

Learn how