Token’s universal open banking platform, TokenOS, allows banks and third parties to interact in a digital global financial services ecosystem. Token’s turnkey service helps banks comply with PSD2 in less than 90 days and launch new open banking propositions. Third parties, such as payment processors, merchants and developers, have access to account data and payment initiation at over 4,000 European banks through a single API, and the tools to deliver best-in-class use cases. Token.io Limited is authorised as an AISP and as a PISP by the FCA in the UK and has passporting rights in an additional 20 countries.