Risk intelligence for the open finance ecosystem

Accredit participants once.
Monitor risk continuously.
Know where liability lands.

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.

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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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Third-party providers

Third-party providers delivering data and payment services.

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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.
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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.
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In 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.
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Real 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

See open finance risk management in action

No obligation – just a conversation about how Invela works for you.