How it works

Fnality enables real-time, cost-effective, secure wholesale payments, fully backed by funds held at central bank.

We are developing Fnality Payment Systems in major currencies to create a global digital finance ecosystem. This system enables real-time, 24/7 settlement of funds and facilitates the movement of cash and collateral across borders and currencies.

Funds held at central bank

Participants in the Fnality Payment System hold funds in a central bank account, providing 1-to-1 funds with the credit risk characteristics of central bank money. This digital representation allows for 24/7 availability, real-time settlement, and programmability of money for various business applications.
A Global Payment Network

Multiple Fnality Payment Systems interoperate to enable real-time treasury optimization, active liquidity management, and T+0 cross-border settlement on a PvP basis. Transactions are validated by consensus, eliminating the need for a centralized settlement agent and eliminating credit counterparty risk.
A Decentralized Financial Ecosystem

Fnality empowers institutional tokenised asset markets, enabling real-time treasury optimization, and offering 24/7 settlement with finality. Our payment rail enhances institutional usability, making global financial markets faster, cheaper, and safer. Fnality’s interoperability protocol allows seamless integration with existing and emerging financial market infrastructures.

A globally interconnected payment system. Always available

Our mission is to build the next generation of financial market infrastructure that removes barriers to the free flow of money between participants, partner business platforms, and across borders.
Participants are abled to transact and settle with improved speed, efficiency, and cost, all while ensuring resilience and safety.

Seize the benefits

Security

Fnality Payment Systems are distributed settlement platforms on a private Ethereum network, featuring multiple security layers. Node communication is encrypted, and all transactions are signed with the participant’s private key. The system continually updates its security protocols to counter evolving cyber threats, using advanced cryptographic techniques to protect data both in transit and at rest.

Distributed Architecture

Each Fnality Payment System uses a decentralized ledger, enhancing security against fraud and unauthorized access. Transactions are recorded, verified, and encrypted across network nodes, ensuring data immutability and resilience through distributed consensus. This system prevents individual points of failure and mitigates cyber threats.

Regulatory compliance

Our commitment to security and risk management includes compliance with central bank regulations. We conduct regular audits to align our systems with current regulatory standards and best practices, maintaining user trust and contributing to financial ecosystem stability.

Fnality Services

Fnality Services is the operational support and product delivery division of the Fnality Group. Its duties include offering daily operational support for every Fnality Payment System, licensing software products, and facilitating inter-system agreements

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