Finastra (Fusion Treasury)

Finastra is the third-largest fintech by revenue, dominant in European bank treasury and payments. Fusion Treasury and Fusion Payments are used by mid-to-large banks across the UK, Germany, France, Benelux, and the Nordics.

DPX integrates via FusionFabric.cloud — Finastra’s open API marketplace. DPX registers as a FusionFabric app. Banks already running Fusion Treasury install the DPX app from the marketplace. When a treasury team initiates a cross-border payment, DPX appears as an alternative settlement channel alongside SWIFT.

Fusion Treasury payment run (bank-side)
    │
    │  Cross-border payment selected for DPX routing
    │  FusionFabric app call → DPX Payment International endpoint
    ▼
POST https://integration.untitledfinancial.com/payments/initiate
    │
    ├── Compliance Oracle (VoP, AML, sanctions)
    ├── Stability Oracle (macro gate)
    ├── ESG Oracle (SFDR PAI indicators)
    └── Settlement → DPX rail (USDC / EURC on Base)
    │
    ▼
ISO 20022 pacs.002 → FusionFabric → Fusion Treasury write-back

No bank core system change required. DPX appears alongside SWIFT as a settlement option in the Fusion Treasury payment workflow.

Integration model

Finastra’s FusionFabric.cloud marketplace operates differently from a direct API connection:

Step	Who does it	What happens
App registration	DPX	Register at developer.fusionfabric.cloud
App listing	DPX	Submit DPX app to FusionFabric marketplace for bank discovery
App installation	Bank	Bank’s tech team installs DPX from Finastra marketplace
OAuth authorization	Bank	Bank authorizes DPX to receive payment events from Fusion Treasury
Payment routing	Bank treasury team	Selects DPX as the rail for eligible cross-border payments
Settlement	DPX	Oracle gating + on-chain settlement + pacs.002 returned

Registration — FusionFabric.cloud

To list DPX on the FusionFabric marketplace:

Register at developer.fusionfabric.cloud
Create a new application under FusionCreator → My Apps → New App
Subscribe to the Payment International API (payment-international-v1)
Configure your OAuth redirect URI: https://integration.untitledfinancial.com/finastra/oauth/callback
Submit for Finastra marketplace review

Credentials received:

Credential	Where used
`FFDC_CLIENT_ID`	OAuth client credentials grant
`FFDC_CLIENT_SECRET`	OAuth client credentials grant
`FFDC_TENANT_ID`	Per-bank identifier passed in API calls

Authentication

FusionFabric uses OAuth 2.0 client credentials:

POST https://identity.fusionfabric.cloud/oidc/token
Content-Type: application/x-www-form-urlencoded

grant_type=client_credentials
&client_id=<FFDC_CLIENT_ID>
&client_secret=<FFDC_CLIENT_SECRET>
&scope=payment-international-v1

Token response:

{
  "access_token": "eyJ...",
  "token_type":   "Bearer",
  "expires_in":   3600
}

Include the token on all subsequent requests:

Authorization: Bearer <access_token>

Payment flow

1. Receive payment initiation from Fusion Treasury

When a bank treasury team routes a payment to DPX via FusionFabric, Finastra delivers the payment instruction to DPX’s registered webhook:

POST https://integration.untitledfinancial.com/finastra/payment-events

Payload is ISO 20022 pain.001 — same format accepted by the Integration API:

{
  "paymentId":   "FFDC-2026-00421",
  "tenantId":    "<bank-ffdc-tenant-id>",
  "format":      "pain.001.001.09",
  "payment": {
    "amount":    "250000.00",
    "currency":  "USD",
    "creditor": {
      "name":    "Recipient GmbH",
      "lei":     "529900ODI3047E2LIV03",
      "iban":    "DE89370400440532013000"
    },
    "debtor": {
      "name":    "Sending Bank Corp",
      "lei":     "7LTWFZYICNSX8D621K86"
    },
    "remittanceInfo": "Invoice FFDC-2026-00421"
  }
}

2. DPX processes via Integration API

DPX maps the Finastra payment to the Integration API and returns:

{
  "dpxPaymentId": "93e89fe0-...",
  "status":       "SETTLED",
  "settlement": {
    "txHash":          "0x7f3a...",
    "network":         "base-mainnet",
    "settlementAsset": "EURC",
    "amount":          "250000.00",
    "fee":             "508.75"
  },
  "esg": {
    "score":  74,
    "sfdr": { "article8Compatible": true, "paiIndicators": { "..." } }
  },
  "compliance": {
    "fatfR16Compliant": true,
    "micaCompliant":    true
  },
  "iso20022": {
    "format":  "pacs.002.001.10",
    "status":  "ACCP",
    "payload": "<base64-encoded pacs.002>"
  }
}

3. pacs.002 returned to Fusion Treasury

DPX POSTs the pacs.002 back to the bank’s FusionFabric callback URL. Fusion Treasury receives the settlement confirmation and updates the payment status in the bank’s core system.

Direct API path (without marketplace)

For banks that want a direct H2H connection before the marketplace listing is live, or for private deployments:

POST https://integration.untitledfinancial.com/payments/initiate
Authorization: Bearer <dpx-institution-key>
Content-Type: application/json

{
  "tmsReference":   "FFDC-2026-00421",
  "amount":         "250000.00",
  "currency":       "USD",
  "settlementAsset": "EURC",
  "creditor": {
    "name":          "Recipient GmbH",
    "lei":           "529900ODI3047E2LIV03",
    "walletAddress": "0x..."
  },
  "debtor": {
    "name": "Sending Bank Corp",
    "lei":  "7LTWFZYICNSX8D621K86"
  },
  "callbackUrl": "https://bank-finastra-instance/dpx/callback"
}

Contact [email protected] to receive an institution key for direct access.

Secrets required

Set via wrangler secret put <NAME> in the Integration API worker:

Secret	Description
`FFDC_CLIENT_ID`	FusionFabric OAuth client ID
`FFDC_CLIENT_SECRET`	FusionFabric OAuth client secret
`FFDC_WEBHOOK_SECRET`	HMAC key for verifying inbound Finastra webhook events

Who uses Finastra in Europe

Market	Product	Common in
UK banks	Fusion Payments, Fusion Treasury	Clearing banks, mid-tier
DACH	Fusion Corporate Channels	Corporate banking arms
France	Fusion Trade Innovation	Trade finance desks
Benelux	Fusion Treasury	Corporate treasury, asset managers
Nordics	Fusion Essence	Retail + corporate banking

Compliance included

Every DPX settlement returns:

FATF R16 VoP — on-chain Verification of Payee
MiCA — settlement rail and EURC both MiCA-compliant
SFDR PAI — ESG block per transaction for SFDR fund-level reporting
AML6 — behavioural profiling + sanctions screening
Travel Rule — IVMS 101 records for payments ≥ €1,000 (FATF R.16 EU threshold)

Status

DPX FusionFabric app registration is the prerequisite. Until the marketplace listing is live, direct H2H connections are available for any Finastra bank that contacts DPX directly.

Contact [email protected] or register for beta access.