TokenOSTM is a universal open banking platform that allows banks and third parties to interact in a digital global financial services ecosystem, taking advantage of new open banking access in Europe. TokenOS provides one API to access all banks, with the tools to deliver best-in-class data access and payments use cases, and better open banking propositions. At the core are Smart Tokens, which create new lower cost, frictionless access to data and payments. Limited is authorised as an Account Information Service Provider (“AISP”) and as a Payment Initiation Service Provider (“PISP“) by the Financial Conduct Authority in the UK.