Token is an open banking platform driving the shift from traditional payment methods to account-to-account bank payments. Token has pioneered innovation in payment initiation and data aggregation technology in Europe since 2016. Today, with operations in London, San Francisco and Berlin, Token does the heavy lifting of enabling the broadest payment and data connectivity in Europe through a single API and interface. Our focus has enabled us to develop deep functionality that makes accepting bank direct payments elegant and simple. With Token's A-to-Z toolkit for A2A payments, PSPs, merchants, and banks create new capabilities and revenue streams, and blend API-based payments and data to reinvent financial experiences faster and more efficiently. Token is bank- and developer-friendly, and multi-standard by design. - Token Payments provides the broadest connectivity for open banking payment initiation in Europe. Initiate real-time, account-to-account payments straight from apps and websites. -Token Data uses a single API to seamlessly aggregate bank account and transaction data from European banks. - Token Compliance is a turnkey compliance solution that satisfies PSD2 obligations for banks and EMIs. With account-to-account (A2A) payments, money moves directly from a consumer’s bank account to a merchant’s bank account. There are no intermediaries adding cost and friction in between. In the UK and Europe, APIs remove the barriers of A2A payments. By connecting to existing banking infrastrcuture, APIs make it easy to embed bank transfers within a purchase, without having to navigate fragmented banking rails across Europe. Token does the heavy lifting of enabling payment and data API connectivity to banks in Europe through a single API and interface. Token Payments is the simplest, fastest way to accept bank-direct payments straight from apps and websites. With A2A payments, there is no onboarding, registration, training or repetitive data entry. Payments are authenticated within consumers' banking apps, often through seamless app-to-app redirection and using biometrics, delivering a fast, frictionless payment experience that is secure, lower cost, and settles instantly for merchants. Token's focus has enabled it to develop deep functionality that makes accepting bank direct payments elegant and simple. Token's turnkey toolkit for open banking payments is channel ready by design. Token can whitelabel its entire Token Payments solution to enable other players in the existing payment value chain to bring bank-direct payments to their customers.