National Instant UniPay

National Rails.
Unified 

A national payments platform enables central banks and operators to run clearing and settlement rails at scale.

Product Overview

Avante powers national payment rails: instant, batch and real-time gross settlement, built for 24x7 operation.

A national payments platform for central banks and scheme operators. Run instant, batch and gross settlement at national scale, 24x7, with scheme-wide risk controls.

  • Instant Clearing24x7 payments
  • Batch ClearingACH & direct debit
  • Settlement EngineRTGS & net settlement
  • Scheme RulesParticipants & limits
  • Participant ManagementOnboard providers
  • Fraud & Risk MonitoringScheme-wide protection
Another view of the same product
Participants & Channels:4 channels
Clearing & Settlement:4 modules
Data, Reporting & Integration:8 services
Security & Governance:6 controls
National Instant UniPay Integrations:9 connections

Security & Governance

  • Access ControlRole-based & SSO
  • Maker-CheckerDual authorization
  • EncryptionAt rest & in transit
  • Compliance ControlsAML & KYC checks
  • ObservabilityMonitoring & SLAs
  • Flexible DeploymentCloud or on-premise
Layer 1

Participants & Channels

Participant BanksDirect connections
Payment ProvidersIndirect access
Government PaymentsTaxes & benefits
Merchant & QRRetail payments
Layer 2

Clearing & Settlement

Instant Clearing24x7 payments
Batch ClearingACH & direct debit
Settlement EngineRTGS & net settlement
Scheme RulesParticipants & limits
Layer 3

Data, Reporting & Integration

Open APIsREST & events
Core Ledger SyncReal-time postings
Data Lake & AnalyticsUnified data platform
DashboardsKPIs & insights
Alerts & NotificationsOmni-channel
Audit TrailsImmutable logs
Regulatory ReportingCentral bank ready
Host-to-HostLegacy integration

National Instant UniPay Integrations

Central Bank RTGS Participant Banks Payment Service Providers QR Payment Schemes Proxy & Alias Directory Fraud Detection Risk & Compliance Reconciliation Data Warehouse

Avante Value Proposition

Choose your institution to see the use cases that matter most to you.

Direct Participation in National Rails

Connect to the national switch once.

Value for you
  • Instant payments for every customer
  • Lower cost per transaction
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Liquidity Management

Monitor settlement positions in real time.

Value for you
  • Fewer settlement delays
  • Better use of liquidity
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High-Value Payments

Real-time gross settlement for large payments.

Value for you
  • Final settlement in seconds
  • Lower settlement risk
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Sponsored Access for Small Banks

Join national rails through a sponsor.

Value for you
  • Rail access without heavy investment
  • Modern payments for members
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Rural Payment Inclusion

Bring digital payments to rural areas.

Value for you
  • More people banked
  • Less cash in circulation
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Government Benefit Payments

Receive and pay out benefits digitally.

Value for you
  • Members paid faster
  • Less cash handling
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Alias & Mobile Number Payments

Pay using a phone number or alias.

Value for you
  • Easy payments for customers
  • Fewer misdirected payments
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QR Code Payments

Scan-to-pay across all participants.

Value for you
  • Low-cost merchant acceptance
  • One QR standard nationwide
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24x7 Instant Transfers

Money moves any time, any day.

Value for you
  • Always-on payments
  • Real-time confirmation
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Direct Debit Collections

Collect repayments via national debit schemes.

Value for you
  • More repayments collected on time
  • Lower collection costs
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Instant Disbursement via the Switch

Pay borrowers at any bank instantly.

Value for you
  • Funds received instantly
  • Fewer failed payouts
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Mandate Management

Digital mandates for recurring payments.

Value for you
  • Paperless mandate setup
  • Faster customer onboarding
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Payment Provider Access via APIs

Connect fintech apps to national rails.

Value for you
  • Launch payments without a bank build
  • Real-time confirmations
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Request-to-Pay on National Rails

Payment requests across all banks.

Value for you
  • Faster collections
  • Lower card fees
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Cross-Border Rail Linking

Connect national rails with other countries.

Value for you
  • Faster international transfers
  • Lower remittance costs
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Government Payments & Collections

Taxes, fees and benefits paid digitally.

Value for you
  • Transparent public payments
  • Lower collection costs
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Utility Bill Payments

Collect bills from every bank’s customers.

Value for you
  • More bills paid on time
  • Automatic reconciliation
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Merchant Instant Settlement

Merchants paid immediately.

Value for you
  • Better cash flow for merchants
  • Lower acceptance fees
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Premium Direct Debits

Collect premiums through national debit schemes.

Value for you
  • Fewer lapsed policies
  • Lower collection costs
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Instant Claim Payments

Pay claims to any bank account instantly.

Value for you
  • Faster claim settlement
  • Happier policyholders
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Beneficiary Account Validation

Confirm the account before paying.

Value for you
  • Payouts to the right account
  • Fewer failed claim payments
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Transform Your Business Now

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