Built for the open finance ecosystem
Why the ecosystem needs open finance risk management
Open finance enables banks, building societies, credit unions, aggregators, and third-party providers to share customer financial data and initiate payments at API speed.
A single compromised participant puts every connected entity at risk before anyone notices.
Continuous risk management replaces guesswork with certainty — catching risk early enough for targeted action, before a connected party's failure becomes your problem.
Every participant is running risk
Financial institutions
Opening access to third-party providers, via intermediaries, without the ability to see or manage the attendant risk. When something goes wrong, they're the ones left explaining it to customers and regulators — regardless of who's actually at fault.
Intermediaries
Onboarding third-party providers with no ongoing visibility into how risky those providers really are, so the first warning sign is a financial institution restricting their own account access.
Third-party providers
Without continuous risk monitoring, they have no warning when their risk profile slips — until a financial institution or intermediary cuts off account access.
Technology service providers
Without a credible risk management story, providers are losing deals to competitors who can prove they manage risk, not just connectivity.
Who it's for
Built for every party in the open finance chain
Four participant types, one shared risk management network. Find the entry point built for your role.
More details
Financial institutions
Banks, building societies and credit unions that hold customer accounts and provide access.
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Intermediaries
Route data and payment access between financial institutions and third-party providers.
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Technology service providers
Entities providing financial institutions and intermediaries with outsourced services.
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Core capabilities
Three pillars - one risk management network
Invela is the infrastructure layer that makes open finance trustworthy – accrediting who's in the network, monitoring risk in real time, and ensuring liability lands in the right place.
Accreditation
Framework for vetting participant risk
One standardized accreditation vets third-party provider risk so financial institutions can make confident, evidence-based account access decisions. Intermediaries and third-party providers complete it once to reach every financial institution on the network.
Explore Accreditation
Risk Indicator
Dynamic risk scoring, near real time
Every accredited participant carries an Invela Risk Indicator score – continuous, real time monitoring built from public, traffic and accreditation signals – so risk is visible before it becomes an issue.
Explore Risk IndicatorIn development
Warranty
Liability management
Warranty shifts liability to whoever introduces the risk, proportional to use case, data volume, and Risk Indicator score – no institution should have to fund a failure it didn't cause.
Explore WarrantyReal time is the baseline. Network intelligence is the advantage.
Governance, Risk, and Compliance platforms, Security Information and Event Management, fraud tools, and API gateways each watch a single institution. Invela watches the network – so a risk signal from one participant strengthens protection for everyone on the network.
Governance, Risk, and Compliance (GRC) platforms
Manage internal controls – not cross-participant risk.
Security Information and Event Management (SIEMs)
Flag security events – not accreditation status or network-wide risk scoring.
Fraud tools
Catch transaction-level fraud – not systemic risk moving across the ecosystem.
API gateways
Control access – not accreditation, live risk scoring or liability management.
Invela is the only service built to accredit, risk score, and manage liability for every participant across the network.
The paradigm shift
Why legacy risk models fail in open finance
Periodic audits and siloed data can't keep pace with an ecosystem where accounts are accessed at API pace.
Legacy risk management
Periodic, batch-processed audits
Siloed data across intermediaries and third-party providers
Reactive issue identification
No audit trail for liability claims
Invela Network
Standardized accreditation
Real time risk monitoring
Real time issue alerting
Audit-ready evidence for liability and regulatory conversations
INVELA INSIGHTS BLOG
Open finance risk management insight
Latest industry news and perspectives from the Invela team.
See open finance risk management in action
No obligation – just a conversation about how Invela works for you.
Frequently asked questions
Everything you need to know about Invela and open finance risk management.
What is Invela and what does it do?
Invela is the infrastructure layer that makes open finance trustworthy - accrediting who's in the network, monitoring risk in real time, and ensuring liability lands in the right place.
Why does open finance need a dedicated risk management network?
Banks face rising third-party onboarding demand and fragmented risk visibility. Intermediaries and fintechs face mounting compliance costs and operational risk. Invela provides the infrastructure, tools, and protection that every participant needs to operate safely and efficiently.
How does Invela benefit intermediaries?
Intermediaries gain greater downstream control and visibility into the third-party providers they connect. A single Invela accreditation unlocks access to multiple financial institutions, reducing fragmentation and compliance burden while improving resilience.
How does Invela benefit third-party providers?
Third-party providers gain credibility, a clearer path to scale, and access to financial institutions via a single standardized accreditation. They also benefit from near real-time risk monitoring that helps them proactively resolve issues and maintain account access.
How does Invela benefit technology service providers?
Technology service providers gain a credible, independently validated risk management proposition and a faster path through financial institution procurement — without the cost of building proprietary risk infrastructure themselves.
What industries does Invela serve?
Invela serves the broader open finance ecosystem, including banking, payments, insurance, and wealth management - any sector where financial data sharing and third-party access play a role.
