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Banking verified Verified Outcome TRL 9

Cloud-Native Clearing Bank

domain Client: UK Clearing Bank handshake Provider: Microsoft Azure schedule Deploy: Launch-Present
91 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

The institution launched as the first new clearing bank in the UK in 250 years, building its entire infrastructure on Microsoft Azure to offer real-time clearing services via API.

rate_review Analyst Verdict

"Disruptive infrastructure play. By removing the legacy mainframe constraints of traditional clearing banks, they offer fintechs and challenger banks instant access to payment schemes (Faster Payments, BACS, CHAPS) via modern REST APIs."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Fintechs and new digital banks needed access to national payment rails to offer accounts to customers. However, accessing these rails required sponsorship from legacy 'Big 4' clearing banks, whose systems were slow, batch-based, and expensive to integrate with.

psychology The Solution

The organization built a purpose-built clearing bank on the public cloud. They connected directly to the payment schemes and exposed this connectivity via a modern API platform. This allows client banks to open thousands of virtual accounts instantly and process payments in real-time.

settings_suggest Technical & Deployment Specs

Integrations
Payment Schemes
Deployment Model
Public Cloud
Data Classification
Payment Data
Estimated TCO / ROI
Low (Relative to legacy)
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
System Outage High Azure Availability Zones

trending_up Impact Trajectory

Audited value realization curve

Millions of transactions processed Verified Outcome
Primary KPIHundreds of financial institution clients
Audit CycleZero reliance on legacy infrastructure

policy Compliance & Gov

  • Standards: Bank of England / PRA
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Payment Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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The "Blind Verification" Protocol

How we verified these outcomes for UK Clearing Bank without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-457
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-457

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