Integration fabrics for financial institutions.

SWIFT, ISO 20022, FIX, and payment-rail connectivity on one governed fabric — not accumulated middleware. Observable, resilient, evidenced.

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Overview

Integration fabrics infrastructure for financial institutions, built to the standard institutions in this sector are required to operate.

XVICA designs, builds, and operates this layer for financial institutions clients in the UK, US, Canada, and Australia. The work is specified against the regulatory regime, the operational profile, and the examination expectations of this sector before any code is written.

01Why it matters

What financial institutions cannot get wrong here.

Core banking migrations hinge on the integration surface, not the core.
ISO 20022 transition deadlines are absolute.
Payment-rail and market-infrastructure SLAs leave no slack for middleware latency.
Every new counterparty adds a legacy protocol someone chose a decade ago.

02Regulatory posture

Named regimes, mapped controls

Regulatory requirements are translated into explicit control requirements, then mapped to tests and evidence collection. Nothing is implied.

Operational resilience

DORA ICT risk, PS21/3 important business services, APRA CPS 230, and NYDFS Part 500 on third-party connectivity.

Payment & market rails

SWIFT CSP, ISO 20022 migration deadlines, Faster Payments, SEPA Instant, FedNow, and CLS operational requirements.

Reporting & transparency

MiFID II, EMIR, SFTR, and jurisdiction-specific transaction reporting integrated at the fabric layer.

03Reference architecture

Design decisions distinctive to this intersection

Components and design choices that recur across our work for this sector. Each deployment is specified individually.

Multi-protocol, one governance plane

SWIFT MT/MX, ISO 20022, FIX, SEPA, ACH, card network, and REST/gRPC behind a single policy and observability layer.

Correlation IDs end-to-end

Every message carries a correlation ID from ingress through every hop. Investigations take minutes, not days.

Idempotent re-delivery

Dead-letter handling, replay, and idempotent processing are built in; not wired up retrospectively after an incident.

Counterparty-specific lanes

A single misbehaving counterparty cannot saturate the fabric. Back-pressure and isolation are designed properties.

Migration-friendly

New core platforms route through the fabric; legacy cores continue to operate behind it until their sunset date.

04XVICA's approach

How we work in financial institutions.

Integration is where financial-services programmes fail, and it fails predictably: accumulated middleware whose owners have moved on, point-to-point connections whose contracts nobody can find, protocol adapters written for a single go-live and never reviewed since. Our approach treats integration as a single governed layer rather than a collection of projects. Every flow has an owner, an SLA, an observability contract, and a retirement plan. ISO 20022, SWIFT, FIX, payment rails, and counterparty APIs sit behind the same policy and observability plane. The immediate effect is that core-banking migrations, payment-rail changes, and counterparty onboardings stop being bespoke engineering projects and start being configuration under governance — which is the only form of integration an institution can operate at scale without accumulating unreviewed risk.

05Engagement