Open Banking API Platform

Technology, finance, and security experts join forces to deliver world's best open banking platform.

About Us

Founded in 2015 - Token’s mission is to do for value what the World Wide Web did for information. Token was started to create the world’s first bank-hosted payment system specifically designed for the digital era.

The first step on this journey was the release of TokenOS, which has meanwhile become the leading open banking platform. TokenOS powers Token PSD2, Token Connect and Token BankPay. Token is licensed by the FCA in the U.K. as an AISP and PISP and TokenOS aggregates thousands of banks throughout the European Union. Banks, payment service providers, fintech developers, merchant and other organizations that want to access banks data APIs use Token's products to access data and initiate payments.

The second step on the journey is the introduction of Token X, a stablecoin backed 1:1 by fiat currency held in escrow. Token X enables instant movement of funds globally at a very low cost. It will change the way payments are executed for both consumers and businesses.

Awards & Recognitions

2018 Financial Innovation Awards - Open Banking

December 6th

Token is the only open banking solution that covers the entire value chain, using a single API for both payments and data, with cloud-based Smart Token technology that enables flexibility and scalability in handling transactions using a unique security model, dramatically improving the end user’s payment experience

Future of Fintech Awards shortlist 2017

October 16th

This is solving the problem that PSD2 brings, where banks need to provide APIs to authorised third parties. Token simplifies the many APIs and is already integrating 10 banks into the system.

2017 Fintech 100

November 15th

The Fintech 100 offers an in-depth view of the most exciting startups and organizations taking advantage of technology to revolutionise the industry. The report is a collaborative effort between H2 Ventures and KPMG.

2017 Fintech 250

June 27th

The financial services industry will see more change in the next 10 years than it has in the last 100. The transformation is being driven by a group of smart insurgent startups. The Fintech 250 are the most promising of these insurgents.

GTS Global Innovator Award

January 4th

Most disruptive company across all categories. Over 400 applicants worldwide.

Meet the Management

Steve Kirsch

Founder, CEO
Steve Kirsch is a serial entrepreneur who is now on his 7th company. Steve invented the optical mouse, pioneered desktop publishing (FrameMaker), Internet search (Infoseek) and in more recent history he is widely known as a security and identity expert. Steve has had over $2 billion in exits from his previous companies, solidifying his legacy as a successful Silicon Valley leader. Steve is now dedicating his talents, energy and expertise to build a state-of-the-art payment infrastructure.
Todd Clyde

COO
Todd is a seasoned Sales Executive and serial entrepreneur. After 12 years with Accenture, Todd has spent the last 18 years at high growth companies, with four consecutive successful exits in Financial Services Technology and Enterprise Software. During his journey, Todd grew two companies from pre-revenue to over $60M in bookings within 3 years. Todd has been focused on the banking and financial services industries for a decade, and has secured over 250 banks as customers.
Marten Nelson

Co-Founder & CMO
Marten is a technology entrepreneur/executive who has been getting things done in startups and Fortune 100 software companies for over 20 years. His experience spans Product Development, Business Strategy, Business Development and Marketing. Token is his third company to found. Abaca, a leading email security company was sold to Proofpoint and the edtech LearnCentral was sold to Blackboard.
Huw Davies

CCO
Huw has over 20 years in the payments industry, with a deep specialism in digital payments and building payments ecosystems. During his time in leadership roles in businesses such as HSBC, MasterCard and Barclays he has built new payments businesses across multiple markets and has been responsible for multiple $bn revenue lines.
Gaurav Kohli

CTO
Gaurav is a technology executive who has deep expertise in building and scaling payments, lending and telecommunications platforms. His experience spans Technology Strategy, Architecture and Engineering. He is a tenured payments technology professional and has worked at multiple financial services companies including Visa, Cybersource, Renew Financial and First Franklin (Merrill Lynch). Most recently at Visa, he was the Vice President of Architecture for the core payments platform.