Cross-Border Solution

You built for one country. Now go global. Without starting over.

The foundations you built for a domestic ecosystem extend internationally. National federations can interconnect into cross-border trust fabrics — without rebuilding. UK Smart Data links sectors. Global Open Finance links countries. The architecture is the same.

Cross-Border Scale

A federation of federations

Multiple sector or national federations can interconnect into larger trust fabrics. A domestic smart data initiative links sectors. A global open finance network links countries. The architecture is the same.

Cross-Sector
UK Smart DataOpen PropertyLand registries, conveyancers, lenders47 entitiesOpen BankingBanks, fintechs, payment providers238 entitiesOpen EnergySuppliers, networks, smart meters89 entities
Cross-Border
Global Open FinanceUK Open BankingFCA-regulated ecosystem238 entitiesBrazil Open FinanceBCB-regulated ecosystem940+ institutionsAustralia CDRConsumer Data Right124 data holdersNew ZealandPayments NZ ecosystem32 participants
A federation can contain sub-federations

UK Smart Data links property, banking, and energy ecosystems under one governance framework.

Multiple federations can join a global trust fabric

National ecosystems remain independently governed but participate in cross-border trust.

The pattern is always the same

Whether linking sectors within a country or ecosystems across continents, the federation architecture is identical.

It does not matter whether the federation models an enterprise, a sector, or a country. The pattern is the same. The scale changes. The operating model changes. The trust architecture does not.

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Ecosystem Scale

Model a country or scheme as a federation

The same architecture that models an enterprise can model a national ecosystem. Banks, fintechs, schemes, regulators, and participants — all governed through one federated trust plane.

National Open Banking Federation

Ecosystem trust root

Major Banks
Bank A
Bank B
Bank C
Bank D
Fintechs
Payments App
Lending Platform
Data Aggregator
Scheme Operators
Open Banking Ltd
Standards Body
Trust Anchors
Accreditation Authority
Certificate Authority
Regulator
Wallet & Credential Providers
Identity Wallet
Credential Issuer
Verifier Network
Same patternMany ecosystems

UK Open Banking

340 participantsLive

UAE Open Finance

85 participantsGrowing

Brazil Open Finance

800 participantsLive

Open Property

45 participantsEmerging

Digital Identity

120 participantsGrowing
Core Principle

It does not matter whether the federation models an enterprise, a sector, or a country. The pattern is the same. The scale changes. The operating model changes. The trust architecture does not.

Build the trust layer once. Then expand to open finance, insurance, pensions, and whatever comes next.

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Discovery — Build Once, Connect Instantly

New participants and services discover each other automatically

In the ecosystem control plane, every organisation publishes its services, APIs, and credentials. New participants discover each other programmatically — no manual configuration, no bilateral exchange. The more participants you add, the more discoverable the ecosystem becomes.

Discovery eliminates the single most expensive step in partner integration: the bilateral exchange of endpoints, keys, and metadata. Without it, every new partner is weeks of manual configuration. With it, participants discover each other programmatically in seconds.

Your Federation Controller
Trust Anchor · Metadata · Discovery
Meridian BankData Provider
Retail OP
Business OP
Payments OP
AccountsTransactionsBalancesPaymentsStanding OrdersDirect DebitsBeneficiariesProducts
Nova FintechData Receiver
Nova Auth
Nova Connect AppNova Business App
1
2
3
4
5
6
7
Key Insight

No bilateral setup. No client registration. The federation controller is the single source of truth. Applications and authorisation servers both query it. The OP pulls verified client information directly — no push-based registration needed. This works whether there are 2 organisations or 2,000.

Federation Discovery API

Applications query the controller for registered authorisation servers and API resource types. One query returns the entire ecosystem.

OP-Initiated Client Pull

When an authorisation server encounters a new client, it pulls the verified software statement and metadata directly from the federation controller.

OpenID Federation Trust Chains

Trust is established by resolving entity statements back to the trust anchor. Cryptographically verified. No pre-shared secrets.

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Govern Once. Expand Without Gatekeeping.

Set the rules once. They enforce themselves as the ecosystem grows.

Governance is what makes ecosystem expansion safe. Set policies at the trust anchor. They cascade automatically through every domain, every participant, and every entity. As you add use cases, sectors, and partners, governance scales with you — no manual review, no spreadsheets, no bottleneck.

At 10 participants, manual governance works. At 500, it becomes a full-time team doing nothing but approving permission changes. The ecosystem control plane makes governance self-enforcing — the capability that lets you expand without gatekeeping.

Policy chaining

Each level can only narrow permissions set above. The chain validates automatically.

Trust Anchor

Sets maximum permissions for the ecosystem

Allowed: authorization_code, client_credentials
Domain Authority

Narrows permissions for their sector

Allowed: authorization_code only
Organisation

Claims within permitted range

Using: authorization_code
Application

Operates within all constraints

auth_code + private_key_jwt
✓ Policy valid

Delegated governance

The federation operator sets the rules and delegates authority. Each domain manages itself.

Federation Operator
Sets rules and delegates authority
Domain Operator A

Manages their own participants via self-service portal

self-service
Bank A
Bank B
Fintech X

Register, publish APIs, manage certificates

Domain Operator B

Manages their domain independently

self-service
Wallet Co
AI Platform

Register, publish APIs, manage certificates

How it works together

The federation operator sets the rules. Domain operators manage their own participants within those rules. Participants self-manage their technical resources. Nobody waits for tickets. Nobody emails spreadsheets. The federation enforces the boundaries automatically.

Policies narrow, never widen

Each level can only constrain further. A domain operator cannot grant permissions the trust anchor hasn't allowed. Governance is hierarchical by design.

See policy chaining in detail →

Self-service within guardrails

Domain operators get their own portal. They onboard participants, manage resources, and issue certificates — all within the boundaries set by the federation operator.

See onboarding workflows →

Machine-readable compliance

Policy violations are detected automatically at the protocol level. No manual review. No audit scrambles. Compliance is built into the trust chain itself.

See trust chain resolution →
Built Once. Expanding Everywhere.

The ecosystem control plane powering the world's largest digital economies

Live global operations
🇧🇷Live

Brazil Open Finance

  • 940+ institutions
  • 100B+ API calls/year

Central Bank of Brazil

🇧🇷Live

Brazil Open Insurance

  • 42 providers
  • 1.18M monthly API calls

Superintendência de Seguros Privados

🇦🇺Live

Australia ConnectID

  • Big Four banks
  • 10M+ customers

Australian Payments Plus

🇳🇿Live

NZ Fraud Data Sharing

  • NZBA member banks
  • Fraud prevention network

New Zealand Banking Association

🇦🇪Growing

UAE Open Finance

  • Central Bank of UAE
  • National ecosystem

Central Bank of UAE

🇬🇧Growing

UK Smart Data

  • Cross-sector trust
  • Open Banking origins

UK Government / FCA

0+Banks and financial institutions
0National ecosystems and programmes
0B+API calls per year
Security incidents. Ever.

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.

OAuth 2.0OpenID ConnectFAPI 2.0OpenID FederationOAuth 2.1MCP

Built on 10+ years of battle-tested standards

Build Once. Expand Everywhere.

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