Unlocking unprecedented benefits for global finance

Real-time settlement

Fnality enables real-time atomic settlements in a single currency or for cross-border transactions through its peer-to-peer payment system. This ensures instant and irrevocable value transfers, eliminating settlement risk.

24/7 availability

Fnality Payment Systems enable seamless transactions anytime, offering full and final settlement in central bank money outside opening hours. Using a digital representation of securely held funds at central banks ensures trust and security 24/7, 365.

Optimised liquidity

Funds reside in a central bank account reducing fragmentation and liquidity management costs. With interoperable real-time payment systems in major currencies, banks can consolidate liquidity pools, managing cash and collateral from a single location.

Reduced risk

Facilitating real-time peer-to-peer settlements, in a central bank account, we reduce costs and risks associated with intermediaries, lowering counterparty, settlment and operational risks, and fostering stability and trust in global finance.

Future readiness

Emerging institutional tokenised markets require institutional-grade payment systems for DvP transactions. An on-chain cash asset resembling central bank money is essential to build trust and unlock the significant potential of these markets.

True interoperability

A network of Payment Systems interoperable with one another and integrating seamlessly with any legacy or DLT-based business application sets the standard for an ecosystem of digital financial market infrastructure.