• CAPITALISE ON PSD2

    Open banking on your terms

    Token provides software to banks that allows monetisation of PSD2 and mitigates the risks associated with granting access to Third Party Providers.

Scoll down!

What is Token?

Powered by smart tokenization and public-key cryptography, Token provides the industry's simplest and most secure open API.

Token enables money transfer capabilities and access to bank account information as determined by the PSD2 regulation, while keeping the banks in control and allowing them to generate new revenue.

What is Token? What is Token?
  • Most Secure

    Most Secure

    Token uses public-key cryptography instead of usernames, passwords, card numbers - "secrets" that can be stolen during security breaches.

  • Increase Revenue

    Increase Revenue

    Banks generate new revenue from high-value services previously not possible. No fee caps.

  • Lower Cost

    Lower Cost

    Deploying Token is significantly less costly than building your own solution from scratch, or existing building blocks.

  • Avoid Disintermediation

    Avoid Disintermediation

    Bank customers find their bank’s brand front and center when conducting business online.

  • Snap to Integrate

    Snap to Integrate

    Token integrates easily as a software layer on top of the core banking system, without affecting any existing infrastructure.

  • Compliance

    Compliance

    Be prepared for PSD2. Token’s solution is fully compliant with the security requirements and XS2A.

What’s your Evaluation Criteria?

A simple and secure open API that enables money transfer capabilities and access to bank account information as determined by the PSD2 regulation, while keeping the banks in control and generating new revenues.

Criteria
Token
Others
No shared secrets such as username/password, OAuth2 tokens
Digitally signed transactions using public-key cryptography
Transactions are non-repudiated
Banks can charge for API access
Banks can charge PISPs and AISPs
Simple bank integration
Turn-key solution to address PSD2
Easy to try, easy to deploy
Low TCO
Long-term protection of investment
Cost offset by revenue from the solution
Access-to-Accounts (XS2A)
Supports payment initiation
Supports account information retrieval
2FA for high value payments

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