Build the platform for the digital economy. Not a one-off scheme tool.
Your mandate isn't one use case. It's the financial infrastructure for the next decade. Raidiam Connect lets you build the trust and distribution foundations once — then extend to new schemes, sectors, and use cases as policy evolves. Proven across 5 countries. 159 banks. 100B+ API calls. CNI-grade resilience.
Need materials for your board? Request a briefing pack →
Building the programme business case? Use our business case framework →
They built once. Then expanded.
Every deployment below started with one mandate. The platform expanded to cover new schemes, sectors, and use cases — without rebuilding.
Led by Charlotte Crosswell OBE — former Chair of Open Banking UK
Tailored for your organisation type
Central Banks
- Build the data-sharing infrastructure for your financial system — start with open banking, expand to open finance, insurance, pensions, and beyond
- One platform investment that supports every future mandate without rebuilding
- Full operational visibility: every participant, certificate, conformance status, and trust relationship from a single dashboard
- Proven at national scale: 159 banks, 100B+ API calls, zero security incidents in Brazil
Every new mandate becomes another one-off programme
Point-solution approaches mean rebuilding trust infrastructure from scratch for every new scheme. The cost compounds. The timelines slip. And the digital economy waits.
Every scheme starts from zero
Open banking needed a directory. Open finance needs another. Smart data needs another. Each one re-solves identity, trust, and governance from scratch — because the last programme was built as a point solution, not a platform.
Assurance doesn't carry over
You conformance-tested participants for one scheme. Now you need to test them again for the next. Build the quality gate once and every new mandate inherits it — not starts over.
Infrastructure gets rebuilt, not reused
CNI-grade availability, HSM-backed security, multi-region resilience — you need all of it. But building it once per scheme means paying for it once per scheme. Platform foundations compound in value. Point solutions don't.
The next use case is always a surprise
Open banking today, AI agents tomorrow, digital wallets next year. A platform built for extension handles all of them. A tool built for one mandate handles one.
The cost of building it yourself — multiplied across your entire market
In a bilateral model, every bank in your ecosystem builds its own trust infrastructure: its own participant management, its own PKI operations, its own certificate lifecycle, its own conformance testing. In a 100-bank ecosystem, that means 100 separate teams doing the same work — at an aggregate cost of thousands of engineers and hundreds of millions in duplicated infrastructure before a single API call is made.
Without federation
Each bank: 6-10 specialist engineers for trust infrastructure. Across 100 banks: 600-1,000 engineers duplicating the same capability. Plus tooling, HSMs, security certifications, and ongoing operations — per bank.
With Raidiam
One platform. One PKI operation. One conformance engine. One participant lifecycle manager. Shared across the ecosystem. Each bank integrates once. The aggregate cost drops by orders of magnitude.
The timeline
Building nationally from scratch: 2-4 years to first participant. With Raidiam: months to live ecosystem. Brazil launched with 159 banks. New Zealand deployed the fastest national CoP on record.
The ongoing cost
Standards evolve. Conformance profiles change. Security threats emerge. With Raidiam, the ecosystem inherits these updates automatically. Without it, every participant must independently track, implement, and validate every change.
The question for a regulator is not whether Raidiam costs money. It is whether operating without it costs your entire market more.
These aren't separate solutions. They're different starting points for the same expandable platform.
Every use case below runs on the same trust and distribution foundations. Start with one. The platform extends to the rest.
Open Banking & Open Finance
Start here. Then extend the same platform to open finance, payments initiation, and beyond — without rebuilding trust infrastructure.
Learn more →Smart Data
Cross-sector data sharing under the UK Data (Use and Access) Bill. The same trust framework that governs finance extends to energy, telecoms, and every sector that follows.
Learn more →Digital Identity
Wallet ecosystems, credential issuers, and verifiers under a common trust framework. Built on the same control plane — so identity and finance share one set of foundations.
AI Agent Governance
Govern AI agents with the same trust infrastructure that runs open banking. When agents arrive, your platform is already ready.
Learn more →Cross-Border Interoperability
Federation of federations connecting national ecosystems. Your domestic platform becomes the node in a global trust network — no separate build required.
Learn more →Fraud Prevention
Shared signals and trust-verified data sharing for fraud reduction. Another use case that plugs into the same platform — extending its value without extending its cost.
Build the foundations once. Extend to every new mandate.
The ecosystem lifecycle isn't build, launch, end. It's build, launch, extend, extend, extend. Raidiam Connect is built for the extension phase — so every new scheme, sector, or border you reach is an increment, not a rebuild.
Advise — Design for extension
Raidiam Advise shapes the ecosystem from day one with expansion in mind. Governance frameworks, trust models, and policy hierarchies designed so the next mandate plugs in — not starts over. Our team has advised the Central Bank of Brazil, ASFI Bolivia, ConnectID Australia, and more.
Enable + Connect — Build the platform
Raidiam Enable provides the implementation services — scheme design, security profiles, OIDF-certified SDKs, and accelerators. Raidiam Connect provides the platform — the ecosystem control plane that governs every participant, API, agent, and certificate. Built once, extended to every new scheme.
Assure + Enable — Launch, then expand
Raidiam Assure provides conformance testing, certification, and ongoing monitoring. Enable supports launch — rollout planning, participant onboarding, operational readiness. Once live, the same platform and quality gate extend to your next mandate without rebuilding.
One trusted, impartial partner — from ecosystem design through to operated infrastructure. Build the platform once. Then extend it to every new mandate, sector, and border.
The ecosystem control plane and the quality gate that scales.
These aren't separate products for separate problems. They're integrated capabilities of one platform — the trust and distribution foundations that expand with your mandate. Advise designs for extension. Connect governs at scale. Assure enforces quality. Enable accelerates every phase. Together, they mean you build once and extend to whatever comes next.
Raidiam Advise
Strategic advisory that designs your ecosystem for extension from day one. Governance frameworks, trust models, and policy hierarchies built so the next mandate plugs in — not starts over.
Raidiam Enable
Implementation accelerators that get each new scheme live faster because the platform foundations already exist. Scheme design, security profiles, OIDF-certified SDKs, and launch support — reusable across mandates.
Raidiam Connect
The ecosystem control plane. Every organisation, API, agent, wallet, and certificate — managed in one governed directory with one policy hierarchy. Add new schemes, sectors, and entity types without rebuilding.
Raidiam Assure
The quality gate that scales across mandates. Automated conformance testing and certification that carries over — so participants proven in one scheme don't start from zero for the next.
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
Public Interest Outcomes
What this means for citizens and consumers
40M+
Consumers with access to open finance services in Brazil — enabled by Raidiam's trust infrastructure
10M+
Australians with access to bank-verified digital identity through ConnectID
95%+
Account coverage for fraud prevention in New Zealand — protecting consumers from misdirected payments
Trust infrastructure is not an end in itself. It enables the ecosystems that deliver consumer benefit — financial inclusion, fraud prevention, data portability, and competition. Every participant Raidiam onboards is a participant that can serve consumers faster and more securely.
Procurement
How to procure Raidiam
Raidiam can be procured through direct engagement, competitive tender, or framework agreement. We work with public-sector procurement teams across multiple jurisdictions and understand the requirements of government and regulated-sector buying processes.
For details on procurement routes available in your jurisdiction, contact us directly.
Evaluating Raidiam for your organisation? See our structured evaluation guide →
Building the internal business case? Use our business case framework →
Questions regulators and scheme operators ask
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.
Payments
CoP, VRP, and pay-by-bank — same foundations.
Enterprise
Platformise your business across brands, clouds, and partners.
Corporate Banking
Platformise your partner connectivity.
Ready to build once and expand?
Whether you're designing a new ecosystem, extending an existing programme, or building the platform foundations for the digital economy — our team includes federation architects, standards experts, and programme leaders who have built and operated national infrastructure that expands.
Request a Briefing
A confidential briefing on how to build the platform foundations for your digital economy — tailored to your jurisdiction and mandate
See Our Case Studies
See how central banks built once and expanded — from open banking to open finance, identity, and beyond
Request a Briefing Pack
Briefing materials for your board or steering committee. Includes the platform-vs-point-solution case, deployment case studies, security posture, and engagement model.
Want to explore technical architecture? Talk to a Federation Architect →