Where open banking means business

The connected future of
banking and commerce

By putting a bank in every app, we’re shaping the future of banking-enabled commerce. We create the connectivity that removes boundaries and helps the whole market innovate freely and connect everywhere.

Token team

From compliance to competitive advantage

Fast-track to new opportunities in open banking

Launched in 2016 to help banks clear the decks of regulatory complexity, Token is the market platform where banks, PSPs, businesses and developers alike create innovative and trusted financial experiences through enhanced connectivity to global banking.

  • $35 M
    Raised to date
  • 45
    Team members
  • 3
  • 3,172
    Connected Banks

Awards & Recognition

FinTech & RegTech Global Awards 2019 - Global FinTech Provider of the Year
Payments Awards 2019 - Best PSD2 Solution 2019
Payments Awards 2019 - Startup of the Year

Trusted by

Partners and customers


Meet the team

  • Todd Clyde, Token CEO

    Todd Clyde

    Chief Executive Officer

    Serial entrepreneur with four consecutive exits

    30 years in tech, 10 years in digital banking
    Monitise, DigitalThink, Accenture

  • Tim Corke

    Chief Customer Officer

    Proven disruptive Fintech leader, from startup exits to corporate growth

    20 years tech, 15 year payments
    eMerit, Monitise, Bottomline Technologies

  • Matt Firth, Token SVP Client Services

    Matt Firth

    SVP Client Delivery

    Senior customer success professional

    20 years fintech, payments, digital channels
    Monitise, TNSI, BA

  • Gaurav Kholi, Token CTO

    Gaurav Kohli

    Chief Technology Officer

    Accomplished technology executive

    Responsible for global high scale purpose-built platforms
    Visa, Cybersource, Merrill Lynch

  • Sharof Sharipov, Token CFO

    Sharof Sharipov

    Chief Financial Officer

    Experienced finance, strategy and investment banking specialist

    15 years fintech, banking and corp finance UBS, 10x Banking, HSBC, Virgin Money

  • Rebecca Wright, Token VP People

    Becky Wright

    VP People

    Senior HR professional

    10 year's experience supporting executives and their teams
    First Direct, DAC Beachcroft LLP, Westfield Health

Berlin, London and San Francisco

Meet the team

  • Alex Budt

    VP Engineering

  • Stephen Dawes

    Account Director

  • Stephen Del Valle


  • Stephen Frame

    Compliance & Risk Officer

  • Jason Gorner

    Head of Product

  • Javidan Guliyev

    Software Engineer

  • Prateek Gupta

    Software Engineer

  • Joerg Heidenrich

    Sales Director

  • Josh Hickling

    Sales Support

  • Sripal Jain

    VP of Engineering

  • Aleksei Kandybaev

    Site Reliability Engineer

  • Judy Kelleher

    Marketing Manager

  • Deepu Kocherry

    Principal Product Manager

  • Mike Lane

    Director Of Strategic Partnerships

  • Mike Lemanski

    Technical Writer

  • Daniel Lin

    Software Engineer

  • Brian Linthicum

    Sales Director

  • Connie Lloren

    Accounting Consultant

  • Sibin Lu

    Software Engineer

  • Michael O'Loughlin

    MD Global Solutions

  • Ellen Marshall

    Client Services Manager

  • Kirsten Medder

    Digital Marketing Manager

  • Anna Nikulova

    Software Engineer

  • Yuhan Niu

    Software Engineer

  • Alex Norten

    Strategic Programme Manager

  • Luke Pane

    Software Engineer

  • Mark Price

    Project Manager

  • Molly Rosedale

    VP Marketing

  • Debbie Rothwell

    Service Management Consultant

  • Calvin Sanghera

    Implementation Support Engineer

  • Leena Sansguiri

    Scrum Master

  • Nikita Septucha

    Techincal Sales Director

  • Alastair Short

    Legal Consultant

  • Paul Smith

    Sr. Architect Engineer

  • Paul Stevens

    Site Reliability Engineer

  • Edgar Villarreal

    Senior Software Engineer

  • Wenxuan Zhou

    Support Engineer

  • Zelun Zhang

    Software Engineer

Security and compliance at the core

We have you covered

Security is of utmost importance to Token. We invest heavily in securing our infrastructure in close partnership with world-class security experts.

Token.io 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.

  • ISO 27001:2013-certified company

  • PSD2 and Strong Customer Authentication (SCA) compliant

Subscribe to our newsletter

Never miss our updates again. Don't worry, we hate spam.