URL: /baas/corex/features/sct12-financial-network

---
title: "SCT12 - Financial Network Access"
description: "Connectivity to financial networks and banking systems"
---

# SCT12 - Financial Network Access

Connectivity to financial networks and banking systems, enabling access to payment schemes, banking networks, and correspondent relationships.

## Overview

This capability provides connectivity to global financial infrastructure, including payment networks, banking systems, and correspondent banking relationships.

## Features

| Feature | Description |
|---------|-------------|
| **Banking Network Integration** | Connect to banking systems |
| **Payment Scheme Access** | Access to payment rails |
| **Correspondent Banking** | Correspondent relationships |
| **Network Monitoring** | Real-time status monitoring |
| **Fallback Routing** | Alternative routing mechanisms |

## Supported Networks

### European Networks
| Network | Description |
|---------|-------------|
| **SEPA** | Single Euro Payments Area |
| **SEPA Instant** | Real-time euro payments |
| **TARGET2** | High-value euro transfers |
| **Faster Payments** | UK instant payments |
| **BACS** | UK batch payments |

### Global Networks
| Network | Description |
|---------|-------------|
| **SWIFT** | International wire transfers |
| **SWIFT gpi** | Enhanced cross-border payments |
| **Ripple** | Blockchain-based transfers |

### Regional Networks
| Network | Region |
|---------|--------|
| **ACH** | United States |
| **FedWire** | United States |
| **IMPS/UPI** | India |
| **NPP** | Australia |

## Configuration Options

| Level | Access | Features |
|-------|--------|----------|
| **Basic** | Limited networks | Single region |
| **Standard** | Regional access | Multi-network routing |
| **Advanced** | Global access | Full redundancy |

## Network Architecture

```mermaid
flowchart LR
    A[Platform] --> B[Network Gateway]
    
    B --> C[SEPA]
    B --> D[SWIFT]
    B --> E[Local Rails]
    B --> F[Card Networks]
    
    C --> G[EU Banks]
    D --> H[Global Banks]
    E --> I[Regional Banks]
    F --> J[Card Issuers]
```

## Network Features

| Feature | Description |
|---------|-------------|
| **Smart Routing** | Optimal network selection |
| **Fallback** | Automatic failover |
| **Status Monitoring** | Real-time network health |
| **Cost Optimization** | Lowest-cost routing |
| **Speed Optimization** | Fastest route selection |

## Integration with Other Capabilities

| Capability | Integration |
|------------|-------------|
| **SCT03 - Country** | Network availability per country |
| **SCT04 - Instant Payment** | Instant payment rails |
| **SCT09 - Multi-Currency** | Cross-border networks |

## Subscription Tier Availability

| Tier | Configuration Level |
|------|---------------------|
| Starter | Basic |
| Professional | Standard |
| Enterprise | Advanced |
| Custom | Configurable |