Interbank payments

Launch an interbank payment service with less infrastructure to build

Build a payment service using tokenized deposits with Prividium's token operations, controls and operating tools. Connect banks through cross-Prividium interoperability or run the service on one Prividium with multiple bank organizations.

Reduce development effort

Build on integrated token operations, institutional controls and operational tools.

Govern payment activity

Define access permissions, permitted destinations and approval requirements.

Connect participating institutions

Connect separate Prividium environments or support multiple banks within one deployment.

Streamline payment operations

Monitor transactions, investigate exceptions and automate operational tasks.

Deployment models

Deployment options

Separate environments

Each bank operates its own Prividium environment, connected through Prividium interoperability.

Explore interoperability

Bank A · separate Prividium environment

Bank API · Payment instructions
InstructionsResults and notifications

Connects to

  • Enterprise identity provider
  • Signing or custody provider
  • Core banking software
  • Clearing and settlement rails

Prividium CommanderOrchestration layer

Workflow orchestration
Operating console
Core permissions
Policy Engine
Tokenization EngineIssue · Transfer · Redeem
Transaction Status
Webhooks
Logging · Audit · Usage metrics

Prividium LedgerPrivate execution

Bank payment application
Organization accounts and private activity

Bank B · separate Prividium environment

Bank API · Payment instructions
InstructionsResults and notifications

Connects to

  • Enterprise identity provider
  • Signing or custody provider
  • Core banking software
  • Clearing and settlement rails

Prividium CommanderOrchestration layer

Workflow orchestration
Operating console
Core permissions
Policy Engine
Tokenization EngineIssue · Transfer · Redeem
Transaction Status
Webhooks
Logging · Audit · Usage metrics

Prividium LedgerPrivate execution

Bank payment application
Organization accounts and private activity
Bank A payment application ⟷ Bank B payment applicationInterbank connection · Powered by Prividium interoperability

Shared deployment

Banks operate as separate organizations on one Prividium, with organization-level permissions and private activity.

Bank A API

Bank A · Connects to

  • Identity provider
  • Signing or custody provider
  • Core banking software
  • Clearing and settlement rails
Instructions
Results and notifications
InstructionsResults and notifications

Single Prividium deployment

Prividium CommanderOrchestration layer

Workflow orchestration
Operating console
Core permissionsOrganization access
Policy Engine
Tokenization EngineIssue · Transfer · Redeem
Transaction Status
Webhooks
Logging · Audit · Usage metrics

Prividium LedgerPrivate execution

Interbank payment application
Bank A organizationAccounts and private activity
Bank B organizationAccounts and private activity
Instructions
Results and notifications
Results and notificationsInstructions
Bank B API

Bank B · Connects to

  • Identity provider
  • Signing or custody provider
  • Core banking software
  • Clearing and settlement rails

Commander connects payment operations to each bank’s systems and providers, shown by the dotted lines. The diagrams illustrate the setup; participating banks define the payment process, data access and settlement arrangements.

Platform

Modules for your payment service

Commander

Coordinate operations through one API and console.

Tokenization Engine

Issue, transfer and redeem deposit tokens.

Core permissions

Control who can perform each operation.

Policy Engine

Set transaction rules and required approvals.

Transaction Status and Webhooks

Track outcomes and notify bank systems.

Logging and audit

Investigate activity and review access decisions.

Example payment

A payment from Bank A to Bank B

Illustrative example; the banks define token movements, account posting and settlement.

  1. Bank A

    A customer requests a supplier payment. Commander applies permissions and configured policies.

  2. Payment application

    Connect the banks through Prividium interoperability or within one shared deployment.

  3. Bank B

    Check the received payment information and credit the supplier under the agreed posting rules.

  4. Bank systems

    Use transaction results and notifications to update records and investigate exceptions.

Frequently asked questions

What does our team need to build?

Your team builds the payment application and customer experience, then connect them to your bank’s systems for account posting and reconciliation.

How is payment completion determined?

Participating banks define when a payment is complete and how settlement takes place. An onchain confirmation alone does not mean the recipient’s account has been credited.

Plan your interbank payment service

Discuss the participating banks, required connections and deployment model with our team.

Request a walkthrough