URL: /baas/api/capabilities/sct12-financial-network

---
title: "SCT12 - Financial Network Access"
description: "Connectivity to financial networks and banking systems via API"
---

# SCT12 - Financial Network Access

Connectivity to financial networks and banking systems, enabling access to payment schemes, banking networks, and correspondent relationships through the API.

## Overview

This capability provides API access to global financial infrastructure, including payment networks, banking systems, and correspondent banking relationships.

## Features

| Feature | Description |
|---------|-------------|
| **Banking Network Integration** | Connect to banking systems |
| **Payment Scheme Access** | Access to payment rails |
| **Smart Routing** | Optimal network selection |
| **Network Monitoring** | Real-time status monitoring |
| **Fallback Routing** | Alternative routing mechanisms |

## Configuration Options

| Level | Access | Features |
|-------|--------|----------|
| **Basic** | Limited networks | Single region |
| **Standard** | Regional access | Multi-network routing |
| **Advanced** | Global access | Full redundancy |

## API Usage

### Get Available Networks

```bash
GET /api/v1/networks
Authorization: Bearer {access_token}
```

**Response:**
```json
{
  "networks": [
    {
      "network_id": "SEPA",
      "name": "Single Euro Payments Area",
      "status": "OPERATIONAL",
      "settlement_time": "T+1",
      "currencies": ["EUR"],
      "countries": ["DE", "FR", "NL", "BE", "IT", "ES"]
    },
    {
      "network_id": "SEPA_INSTANT",
      "name": "SEPA Instant Credit Transfer",
      "status": "OPERATIONAL",
      "settlement_time": "INSTANT",
      "currencies": ["EUR"]
    },
    {
      "network_id": "SWIFT",
      "name": "SWIFT International",
      "status": "OPERATIONAL",
      "settlement_time": "T+1 to T+3",
      "currencies": ["*"]
    }
  ]
}
```

### Get Network Status

```bash
GET /api/v1/networks/{network_id}/status
Authorization: Bearer {access_token}
```

**Response:**
```json
{
  "network_id": "SEPA_INSTANT",
  "status": "OPERATIONAL",
  "availability": 99.95,
  "last_incident": null,
  "maintenance_windows": []
}
```

### Get Routing Options

```bash
POST /api/v1/networks/route
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "destination_country": "DE",
  "destination_type": "IBAN",
  "amount": 5000.00,
  "currency": "EUR",
  "urgency": "INSTANT"
}
```

**Response:**
```json
{
  "recommended_network": "SEPA_INSTANT",
  "alternatives": [
    {
      "network": "SEPA",
      "settlement_time": "T+1",
      "fee": 0.50
    },
    {
      "network": "SWIFT",
      "settlement_time": "T+2",
      "fee": 15.00
    }
  ]
}
```

## Supported Networks

| Network | Region | Settlement |
|---------|--------|------------|
| **SEPA** | EU/EEA | T+1 |
| **SEPA Instant** | EU/EEA | < 10 seconds |
| **Faster Payments** | UK | < 2 hours |
| **SWIFT** | Global | T+1 to T+3 |
| **SWIFT gpi** | Global | Same-day |

## Integration with Other Capabilities

| Capability | Integration |
|------------|-------------|
| **SCT03 - Country** | Network availability per country |
| **SCT04 - Instant Payment** | Instant payment rails |
| **SCT09 - Multi-Currency** | Cross-border networks |

## Related API Reference

<Card title="Network APIs" icon="network-wired" href="/baas/api/reference/financial-operations/transfers">
  View detailed network API specifications
</Card>

## Subscription Tier Availability

| Tier | Configuration Level |
|------|---------------------|
| Starter | Basic |
| Professional | Standard |
| Enterprise | Advanced |
| Custom | Configurable |