The smart move in open banking

One API to access all banks for data aggregation and direct payments.

The Token Platform

TokenOS™ gives banks and third parties PSD2 compliance and smarter, quicker data aggregation and bank direct payments driven by Smart Token technology.


Compete and open new revenue streams

Token’s single API and Smart Token technology give banks a simple and quick path to PSD2 compliance, and the ability to deliver multi-banking to their customers.

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Payment Service Providers

Protect and grow your markets

Open Banking is here, creating an important new payment channel and an opportunity to be at the centre of the new payment value chain.

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Lower costs and open new markets

Token connects merchants directly with their customers’ bank accounts, for both direct payments and access to information.

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Access broadest bank coverage and richest functionality

Token’s open API connects developers to over 4,000 banks and provides the tools to build data aggregation and payment solutions.

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Smart Token Technology

Making open banking safe, simple and smarter.

Smart Token technology enables the flexibility and scalability to deliver a highly secure user experience whatever your data or payment needs are today, and tomorrow.

  • Secure

    Smart Tokens use digital signatures, making them safe and secure to initiate data and payment requests.

  • Simple

    Transfer requests define payment terms and access requests clearly define what information may be accessed.

  • Programmable

    Smart Tokens are programmable and provide conditional access to an asset. They work with real money and real bank accounts.

FCA Licence Limited is authorised as an Account Information Service Provider (“AISP”) and as a Payment Initiation Service Provider (“PISP“) by the Financial Conduct Authority in the UK (Licence Number: 795904). Token also provides technical services for other regulated entities.
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