WARRANTY

Risk transfer for open finance

Invela will provide risk transfer via an insurance-backed warranty. Coverage will be based on use case, data volume and risk indicator score.

This approach ensures seamless, integrated liability coverage between financial institutions, intermediaries and third-party providers, delivered in conjunction with specialist program manager USQRisk and a major insurance carrier.

Invela Warranty is our promise to materially reduce the risk in interactions between financial institutions, intermediaries and third-party providers.

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Invela Warranty

Frequently asked questions

Everything you need to know about Invela and open finance risk management.
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What is the Invela Warranty?
The Invela Warranty is an insurance-backed risk transfer mechanism that will provide coverage based on use case, data volume, and risk indicator score. It is Invela's promise to materially reduce the risk in interactions between financial institutions, intermediaries, and third-party providers.
Who backs the Invela Warranty?
The Invela Warranty will be delivered in conjunction with specialist program manager USQRisk and a major insurance carrier. The warranty promise will guarantee payment in the event a warranty payout is triggered.
How does the Warranty work alongside Accreditation and Risk Indicator?
The Warranty will be the third layer of Invela's risk management framework. Accreditation establishes trust, Risk Indicator monitors it continuously, and the Warranty will shift economic responsibility to the parties introducing risk - creating proportional accountability and fairer liability allocation.
What determines warranty coverage?
Coverage will be determined by the specific use case, the volume of data being accessed, and the third-party provider's risk indicator score. This will ensure that coverage is proportional and aligned with the actual risk profile of each participant.
Why is insurance-backed warranty important for open finance?
Without a liability transfer mechanism, financial institutions bear full responsibility for consumer harm caused by third-party providers. Invela Warranty will redistribute that liability proportionally, enabling fairer risk allocation and giving all ecosystem participants greater confidence to participate in open finance.
What risks does the Invela Warranty help cover?
The Warranty will address the financial consequences of risks including fraud, data breaches, unauthorized access, third-party impersonation, payment redirection, and other cyber crime - providing a financial safety net that complements accreditation and real-time monitoring.
When will Invela Warranty be live?
Invela Warranty is the third layer of Invela's open finance risk management architecture, following Accreditation and the Invela Risk Indicator. It is currently in development. If you would like to register your interest or learn more, please get in touch via invela.com/contact.

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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.

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