← State of Embedded Finance 2026

Token

Can Token.io become the dominant A2A payment infrastructure layer for the payments industry by abstracting open banking connectivity across European bank APIs?

HQLondon, England, United Kingdom
IndustryInfrastructure / Open banking
The story

Token.io is an open banking infrastructure company headquartered in London, providing account-to-account (A2A) payment infrastructure powered by open banking, built for the payments industry. The company operates as a connectivity layer enabling payments and data access across bank APIs. Its partnership with Volt and Yapily for a Ukraine donation gateway illustrates its role as an open banking rails provider for third-party platforms.

Last 12 months
The stack
Open banking
Yapily
Accounting gap: none