Token Partner
“Can a single open banking infrastructure provider become the default Pay by Bank network for enterprise payment processors and platforms across the UK and Europe?”
Token.io was founded as an A2A (account-to-account) payment infrastructure company built on open banking rails. The company positions itself as an infrastructure provider for the payments industry, offering both PISP and AISP licensing-as-a-service (UK and Europe) so that payment processors and fintechs can rapidly enter open banking without obtaining their own regulatory licences. Token.io competes in the open banking aggregator space alongside TrueLayer, Yapily, Tink and Plaid, but differentiates via a focus on payment initiation and white-label settlement accounts rather than data-only AIS aggregation.