Modernize central-bank payments on a rock-solid foundation
The platform for central banks that need to modernize payments without putting nationally critical infrastructure at risk. Natively real-time – architected for instant payments. Proven at the highest demands of central banking. One integrated foundation that extends to accounts, digital access and the digital euro when you’re ready.
The numbers behind nationally critical payment infrastructure
99,99%
availability, proven in production
24/7
instant processing, real-time by design
100%
end-to-end: we build, integrate, run it
How our platform powers central banks
Built for deployment flexibility: run our platform as a full core replacement, an orchestration layer over existing rails, or a dedicated single-rail engine. A real-time core connects accounts, TARGET services, and SWIFT under one ISO 20022 logic layer. By unifying operational data and government banking into a single architecture, central banks modernize safely, protect systemic stability, and eliminate fragmented legacy processes with zero dead ends.
What central banks get from SAP Fioneer: a platform architected natively real-time, central-bank requirements maintained in the standard, one provider through build, integration and run — and full control over where and how it operates.
Architected real-time – for instant payments
Platforms designed for batch processing and adapted to real-time carry that history into production: cut-offs, reconciliation gaps, degraded performance under load. SAP Fioneer was architected real-time from the ground up. Active-active operations run parallel instances that take over instantly — the platform stays available through failures and upgrades. 99.99% availability at central-bank volumes. For nationally critical infrastructure, availability is the requirement everything else depends on.
Central-bank requirements, maintained in the standard
Custom extensions come with a long tail: your institution documents, staffs and maintains that code for decades, and every upgrade gets harder. Our standard-first approach means: central-bank requirements don’t become custom code — they become product. What we learn implementing at central banks is developed into the standard platform, where we maintain it. The same goes for scheme and regulatory change — delivered with every release, so changes becomes an update, not a project.
Digital independence — your sovereignty strategy, not ours
Every central bank has its own sovereignty strategy, and nationally critical payment infrastructure has to fit it. SAP Fioneer supports the full range: cloud where you choose it, or a cloud-grade operating model on infrastructure you control. We operate every layer on top; the system stays in your hands, and you can run it independently if you ever must. Deployment, data location and operational control follow your requirements. Modernization never costs you independence.
One data foundation — ready for AI
In a grown landscape — one system for payments, one for accounts, one for reporting — the same data exists many times over, and each copy is trapped in its own system. SAP Fioneer runs payments, accounts and digital access on one consistent, real-time architecture: a single source of truth. Customers report reaching most of their data on one foundation, where fragmented systems left the majority out of reach. That’s what AI needs to work — and ours is embedded in the platform, supporting operations directly.
One partner — through build, integration and run
Modernization raises questions long before it raises tickets — and we work through them with you, from the first architecture discussion on. SAP Fioneer delivers pre-integration, configuration, standard extensions and end-to-end testing as one provider: the platform arrives in your landscape as one tested piece, fitting into your existing systems. And we stay at your side past go-live — from enhanced support to full application management, in the shape your institution chooses.
Core capabilities for central banks
Payment orchestration
Powers mission-critical settlement with real-time resilience. Standardized functionality handles system-wide transaction volumes with central-bank-proven volumes without bespoke builds.
Scheme and rails connectivity
Seamlessly unifies national and international payment networks. Connect TARGET services, SEPA, instant rails, and SWIFT through a single, future-proof ISO 20022 messaging core.
Account and ledger management
Complete account lifecycle management: highly configurable products, limits, postings and interest with a clean general ledger and the end-to-end auditability public accountability demands.
Government and fiscal-agent banking
Bank-like services for governments, public administrations and institutional clients: accounts, payment execution, statements, approvals and reconciliation — with the controls and audit trails public-sector banking requires.
Data and reporting
Harmonized operational data from accounts and payments — with the lineage, reconciliation and audit evidence that regulatory, statistical and finance reporting depend on. One data model instead of fragmented feeds.
Application management (AMS)
Operating responsibility beyond product support: incident, problem, change, release and test management — up to full application management, in the model your institution chooses.
Open APIs and integration
Architected for effortless coexistence. Modern event-driven APIs link seamlessly into your existing ecosystem, ensuring your core infrastructure evolves without operational risk.
Digital euro readiness
Lead the next era of central bank money. Fully equip your institution for digital euro issuance, automated wallet liquidity, and seamless central infrastructure integration.
A public mandate demands total reliability. We share that responsibility by delivering proven standard software, zero-risk delivery, and staying accountable long after go-live.”
No. The Digital Euro Hub is a self-contained solution that connects to any core banking and payments landscape via standardized APIs – core-agnostic and scheme-agnostic. If you already run SAP, integration gets even simpler.
No. The Digital Euro Hub supports pilot participants with a seamless path from pilot into full rollout – and institutions outside the pilot benefit from a product that carries those learnings built in. Every bank offering payment accounts in the euro area will need digital euro readiness either way.
They stay fully with you. The Digital Euro Hub is a backend solution – your online banking, mobile app, and merchant channels connect through APIs for onboarding, payment initiation, and data display. No separate digital euro app is required.
The Digital Euro Hub covers the full backend across access, liquidity, and transaction management, including wallet and Digital Euro Account Number (DEAN) handling and connectivity to the ECB’s Digital Euro Service Platform (DESP). The linked commercial bank account, your customer channels, and KYC remain with the bank and connect via standard interfaces.
Through a decoupled, side-by-side architecture on a dedicated instance. The Digital Euro Hub connects to your core banking, payments, and AML/fraud systems via existing standard interfaces – without touching transformation programs already in flight, such as an SAP S/4HANA upgrade.
The Digital Euro Hub is designed to meet DORA requirements, following established SAP Fioneer security and resilience principles, with data residency within the EU across all deployment models.
On-premise, any major cloud platform, a fully managed service by SAP Fioneer, or hybrid combinations – you choose, and can adjust later.
