The banking infrastructure extends to every sector. That's the point.
The UK Smart Data framework creates schemes across energy, telecoms, property, and pensions. Each needs governed trust infrastructure. The infrastructure already running UK Open Banking extends to all of them — because it was built as a platform, not a point solution. One investment. Every sector.
Three schemes. One trust framework.
The UK Smart Data framework creates sector-specific data-sharing schemes — each with its own participants, APIs, and rules. Raidiam Connect provides the cross-sector trust layer that governs all of them through one federated control plane.
UK Smart Data Trust Framework
Cross-sector ecosystem root
Open Banking
Open Property
Variable Recurring Payments
Open Energy
Open Telecoms
Each smart data scheme operates as its own federation — with its own participants, rules, and conformance requirements. But they all share the same trust infrastructure. Cross-sector interoperability is built in, not bolted on.
Powered by Raidiam Connect
Banking infrastructure extends to every sector. Build once. Expand across the economy.
The same trust infrastructure running open banking in five countries extends to energy, telecoms, property, and pensions. It was built as a platform, not a point solution — so every new sector is configuration, not reconstruction.
One investment covers every sector
Each smart data scheme has different participants, different APIs, and different regulatory bodies — but they all run on the same trust infrastructure you’ve already built.
Cross-sector expansion built in, not bolted on
A consumer should be able to share energy data and financial data through the same trust framework — because the infrastructure was designed for expansion, not rebuilt for each sector.
Scheme governance at scale
Each sector needs participant onboarding, conformance testing, certificate management, and operational visibility — without building bespoke infrastructure for each.
Sector-specific trust domains
Model each smart data scheme as a trust domain within a federation hierarchy. Energy, telecoms, finance — each with its own policy rules and participant requirements.
Cross-sector federation
Raidiam Connect’s federation-of-federations model allows schemes to interoperate while maintaining independent governance.
Proven at national scale
The same infrastructure running Brazil’s open finance (159 banks, 100B+ API calls) and the UK’s existing smart data pilots.
Conformance-gated participation
Raidiam Assure ensures no participant goes live until they meet the scheme’s technical and policy requirements.
Open Banking & Finance
Already live. 340+ participants. The trust infrastructure that runs UK Open Banking extends naturally to open finance, PSD3, and variable recurring payments.
Open Property
Conveyancers, lenders, land registries, and estate agents sharing data under governed trust. 45 participants and growing.
Energy
Switching, billing, and smart meter data shared securely between suppliers, networks, and consumers. The same federation model that governs banking governs energy.
Telecoms
Data portability, number switching, and service verification across carriers and MVNOs under a common trust framework.
Pensions
Pension dashboards and data sharing between scheme administrators, platforms, and the Money and Pensions Service — governed by the same standards.
This is what building once looks like. The banking infrastructure extends to every sector without rebuilding. The UK's Data (Use and Access) Act creates the legal framework for cross-sector smart data schemes. Raidiam provides the trust infrastructure — the same infrastructure already proven across five countries. New sectors are configuration, not new projects.
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
Evaluating Raidiam for your organisation? See our structured evaluation guide →
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.
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.
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 →