Who we helpBuilt For Organizations Shaping the Future of Financial Services.
C1OD helps financial institutions and financial service providers participate fully in connected Open Data ecosystems — whether responding to regulatory change, modernizing data access or creating new services and partnerships.
Our infrastructure supports organizations in different roles, markets and stages of their Open Data journey.
Financial Institutions
·
Credit Unions
·
Community Banks
·
Banks
·
Fintechs
·
Ecosystem Partners
·
Financial Institutions · Credit Unions · Community Banks · Banks · Fintechs · Ecosystem Partners ·
Financial ServicesBuilt for different participants. Designed for one connected ecosystem.
C1OD enables organizations to participate as providers and recipients of data and services, creating opportunities that extend beyond regulatory data sharing.
Credit unions
Build on the trusted relationships credit unions already have with their members. C1OD enables credit unions to participate in Open Data ecosystems, meet evolving regulatory requirements and connect new services and partners while retaining control of the member relationship.
Community and regional banks
Modernize data sharing and connectivity without handing control of customer relationships to an intermediary. C1OD provides infrastructure for secure data access, service integration and participation across a growing ecosystem.
Large financial institutions
Support complex Open Data requirements with infrastructure designed around interoperability, security and direct connectivity. C1OD enables institutions to participate across multiple roles while maintaining visibility and control.
Fintechs and service providers
Connect capabilities into trusted financial ecosystems and build relationships with participating institutions. C1OD provides the infrastructure for organizations to provide and receive services as well as data.
Beyond Financial ServicesOpen Data Doesn't Stop at Financial Services
The principles behind a trusted Open Data ecosystem are not specific to banking. Wherever organizations need to exchange data with consent, establish trust between participants and manage who can access what, C1OD's infrastructure can provide the foundations for a connected ecosystem.
One ecosystem. Multiple industries.
C1OD provides the infrastructure for trusted participants to connect around data and services, opening opportunities to build ecosystems around entire customer journeys rather than individual products or industries.
Take the homebuyer as an example:
Mortgage
Brokers
Realtors
Insurers
Financial
Institutions
Property
Services
Lawyers & notaries
Homebuyer
Homeowner
Buying and owning a home crosses multiple industries, organizations and data relationships. A single journey can involve:
Financial Institutions
·
Mortgage Brokers
·
Lawyers & Notaries
·
Property Services
·
Insurers
·
Financial Institutions · Mortgage Brokers · Lawyers & Notaries · Property Services · Insurers ·
Customer StoriesOpen Data in the Real World
See how financial institutions are using C1OD to move from Open Data strategy to live infrastructure and connected services.
“By leveraging the Caspian One Open Banking platform, we can offer our members access to leading technology and enhanced banking experiences.”
Darrell Jaggers, CIO and CTO
Tru Cooperative Bank
“The Caspian One Open Banking platform aligns with our commitment to innovation and excellence in financial services.”
Greg Dyck, Chief Digital and Information Officer
Prospera Credit Union
“Collaborating with Caspian One allows us to leverage open banking technology at scale and enhance the digital experiences of our members.”
Matthew Seagrim, Chief Digital & Marketing Officer
Meridian Credit Union
Read our latest news on our partnerships
Canada
Live todayC1OD is live in Canada, supporting credit unions with standards-based Open Banking infrastructure and an expanding ecosystem of services and partners.
Our work began ahead of Canada's Consumer-Driven Banking framework, giving us practical experience while the regulatory model continues to develop.
Live credit union deployments
FDX-based infrastructure
Interac integration
Growing service ecosystem
MarketsGlobal experience. Local understanding.
Open Data is developing differently across markets. C1OD combines experience across international financial services and Open Data standards with an approach designed to respond to the regulatory, technical and commercial realities of individual markets.
United States
FDX
Standards already operating at scale
Market-led Open Data
Built on standards already operating across the market
C1OD operates using FDX standards (our CEO is part of the FDX board)— the interoperable framework already widely used for permissioned financial data sharing across the US market.
This positions C1OD within an established, market-driven approach to API-based data sharing. FDX has also been recognized by the CFPB as a standard-setting body under the Personal Financial Data Rights framework implementing Section 1033.
Market adopted
FDX already in use across the US financial ecosystem
Interoperable
Common standards for permissioned data sharing
1033 relevant
FDX is a CFPB-recognized standard-setting body
Built on global standards
Our approach draws on international Open Banking and Open Data developments, helping us apply lessons from established and emerging markets while responding to local requirements.
Where could you participate?
Whether you're a financial institution, technology provider or an organization exploring how trusted data sharing could transform your industry, C1OD provides the infrastructure to connect participants, data and services within a trusted ecosystem.