Risk intelligence
for the open finance ecosystem

Every accredited participant carries a Risk Indicator score from 0 to 100, where 100 is the lowest risk, built from public, traffic and Accreditation signals. It updates as signals change rather than on a review schedule, and financial institutions can set alert thresholds against it.

Applicants submit their company registration, beneficial ownership, data privacy policies and security certifications once, through Invela. Invela’s assessors review the evidence, and S&P Global reviews a sample of assessments. The outcome is a pass (Accredited), a conditional pass (Conditionally Accredited) with a retest within three months, or a fail (Not Accredited).

Use the Talk to our team or Meet Invela links and tell us your role. There is no obligation; it is a conversation about how Invela works for you.

No. Warranty is in development. Accreditation and Risk Indicator are the two layers running in the network now. You can register your interest on the Warranty page.

Vendor reviews and periodic checks were built for chosen suppliers and fixed review cycles. In open finance the consumer chooses the third party, chains run through intermediaries and sub-processors, and a provider’s risk can change between annual reviews. Each bank or aggregator also re-vets the same fintech from scratch, so effort is duplicated and no one sees the whole chain.

Those tools each watch a single institution: governance, risk and compliance (GRC) platforms manage internal controls, security information and event management (SIEM) tools flag security events, fraud tools catch transaction-level fraud, and API gateways control access. Invela watches the network, so a risk signal from one participant strengthens protection for everyone on it. It is built to accredit, risk score and, in time, manage liability for every participant.

Accreditation vets participants once against a standard the network shares. Risk Indicator scores every accredited participant continuously. Warranty, which is in development, is designed to shift liability to whoever introduces the risk.

Four kinds of participant: financial institutions (banks, building societies and credit unions), intermediaries (such as aggregators), third-party providers (fintechs, advisors and merchants) and technology service providers (core banking platforms, payment processors and infrastructure providers). Each has its own page that explains how the network works for that role.

Open finance lets banks, building societies, credit unions, aggregators and third-party providers share customer data and initiate payments at API speed. A single compromised participant can put every connected entity at risk before anyone notices, and periodic audits and siloed data cannot keep up. Invela replaces them with shared accreditation and continuous monitoring.

Invela is the infrastructure layer that makes open finance trustworthy: it accredits who is in the network, monitors their risk in real time, and is building a way to ensure liability lands in the right place. It is a risk management network for financial institutions, intermediaries, third-party providers and technology service providers.