Build the payment scheme foundations once. Then add CoP, VRP, and whatever comes next.
Confirmation of Payee, Variable Recurring Payments, and pay-by-bank all need governed trust between participating institutions. Build the trust infrastructure once for the payment scheme — then extend to every new payment use case without rebuilding. The same infrastructure powering national ecosystems across five countries.
How it works
Same foundations. Payment fraud prevention built on top.
Confirmation of Payee, Variable Recurring Payments, and pay-by-bank all layer onto the same trust infrastructure that was built once for open banking. No separate platform for each payment initiative. The governed trust between every participating bank, building society, and payment service provider is already in place — CoP, VRP, and pay-by-bank are extensions, not rebuilds. That's the difference between a platform and a point solution.
Governed participant network
Every bank in the CoP network is registered, identity-verified, and certificate-managed through Raidiam Connect. No unverified participants.
Real-time payee verification
When a payment is initiated, the sending bank queries the receiving bank through the governed network. Trust is verified at the infrastructure layer.
National-scale deployment
Raidiam powered New Zealand’s CoP deployment — 13 banks, 95%+ account coverage, the fastest national CoP rollout globally.
The ecosystem control plane powering the world's largest digital economies
Brazil Open Finance
- —940+ institutions
- —100B+ API calls/year
Central Bank of Brazil
Brazil Open Insurance
- —42 providers
- —1.18M monthly API calls
Superintendência de Seguros Privados
Australia ConnectID
- —Big Four banks
- —10M+ customers
Australian Payments Plus
NZ Fraud Data Sharing
- —NZBA member banks
- —Fraud prevention network
New Zealand Banking Association
UAE Open Finance
- —Central Bank of UAE
- —National ecosystem
Central Bank of UAE
UK Smart Data
- —Cross-sector trust
- —Open Banking origins
UK Government / FCA
Our clients include central banks, payment scheme operators, and globally systemically important financial institutions. We don't build point solutions. We operate the ecosystem control plane that the world's financial system depends on. They built once. They keep expanding.
Raidiam is a founding contributor to OpenID Federation and actively shapes the standards that define how digital trust ecosystems work globally. OpenID Federation is the standard. Raidiam Connect is the ecosystem control plane that makes it work at national scale — and lets it expand to whatever comes next.
Built on 10+ years of battle-tested standards
Where will your ecosystem take you next?
The same ecosystem control plane covers all of these. Your investment in one use case is your investment in every use case.
Open Banking
Start with open banking. Expand to open finance and beyond.
Smart Data
Banking infrastructure extends to energy, telecoms, property, pensions.
Digital Identity
Same control plane. Now governing wallets and credentials.
Enterprise
Platformise your business across brands, clouds, and partners.
Regulators
Build the platform for the digital economy.
Corporate Banking
Platformise your partner connectivity.
Where will your ecosystem take you?
Whether you're a regulator building a national digital economy, an enterprise platformising across brands and clouds, or a bank that wants to stop rebuilding trust for every new use case — there's a next step.
See It in Action
See how one investment in Raidiam Connect covers your first use case — and the next hundred
Request a Briefing
For regulators and central banks — how to build the foundations for an expandable digital economy
See the Proof
Brazil started with 2 data-sharing scopes. Today it has hundreds — all on the same infrastructure
Not sure where to start? Build the business case → · See if this is right for you → · Developer Portal & API docs → · Security & Trust Center →