SWIFT Service Bureau
Direct access to SWIFT without the infrastructure overhead.
Independent, bank-grade access. You register and hold your own SWIFT BIC, CPN operates the certified connection, and payments, balances, and statements flow across all your banks.
- SWIFT-certified bureau operated by CPN
- SIP
- institutions reachable through one connection
- 12,000+
- PKI, HSM, infrastructure maintenance, or security upgrade burden on your team
- 0
Why SWIFT
One network every institution already reads
Your banks already speak this standard. The bureau is how you reach it without building it.
- 01
One message standard read everywhere
MT and ISO 20022 are understood by every institution on the network, so one format carries an instruction to any bank you deal with.
- 02
A single secure channel
One certified connection replaces thousands of bilateral integrations, each of which would carry its own keys, formats, and operating burden.
- 03
Member owned and cooperatively governed
The network is owned by its members and governed cooperatively under strict oversight, so no single vendor sets the terms of access.
- 04
12,000+ institutions on one network
Reach is what makes a single connection enough. Adding a bank becomes a BIC on an existing channel rather than a build.
What the bureau runs
The connection, and everything behind it
One certified connection carries the full SWIFT service set. Each item below is operated by CPN so it is not operated by you.
SWIFT
CPN Service Bureau
One certified connection. Everything listed here runs behind it, operated by CPN.
- 01
Redundant infrastructure
Robust, fully redundant infrastructure managed by SWIFT-certified experts.
- 02
FIN and InterAct messaging
FIN and InterAct messaging: payments, securities, FX, trade finance and treasury messages, including ISO 20022 compliant flows.
- 03
FileAct file exchange
FileAct: automated, secure file exchange for bulk payments, statements and reporting.
- 04
RMA
Relationship Management Application (RMA): manage and control your correspondent relationships.
- 05
WebAccess and Micro-gateway
SWIFT WebAccess (Browse) and Micro-gateway: governed access into additional SWIFT services.
- 06
Fully managed operations
Fully managed operations: security, compliance, maintenance and monitoring, end to end.
Bureau architecture
One connection drawn end to end
Everything the bureau runs sits between your back office and the network. Select a component to read what it does.
01Your side
02Inside the bureau
03Out to the network
Your side
Back office
Your ERP or core banking system creates the instruction and receives the outcome. Nothing about it changes in order to reach the network.
01Your side02
- Back office
- Your ERP or core banking system creates the instruction and receives the outcome. Nothing about it changes in order to reach the network.
- Operators
- Treasury and operations staff work in the systems they already use, reaching the bureau through controlled, named access.
02Encrypted connection
- Encrypted connection
- A private encrypted link from your environment into the bureau. Traffic never crosses the open internet unprotected.
03Inside the bureau05
- Messaging interface
- The certified interface that creates, validates, and queues messages, applying the release controls your policy sets before anything moves.
- Communication interface
- The layer that hands messages to the network and takes delivery of everything coming back, in order and under acknowledgement.
- Connectors
- Middleware, secure file transfer, and API endpoints that meet your systems in the formats they already produce.
- API micro-gateway
- A narrow API surface for the calls your systems make most: submit a payment, fetch a balance, read a status.
- HSM-protected signing
- Hardware security modules hold the PKI certificates and sign every message, so no key material ever sits with your team.
04Four resilient connections
- Four resilient connections
- Four private connections of equal capacity carry traffic to SWIFT, so no single link is the one that has to hold.
05Out to the network02
- SWIFT
- The network itself, carrying your traffic under your own BIC across the connection CPN keeps certified.
- 12,000+ institutions
- Every connected institution is reachable through the same channel, which is what turns a new banking relationship into a BIC rather than a project.
Access models
Three ways to reach SWIFT
Bank channels, direct membership, or a certified bureau: the difference is who carries the infrastructure and who keeps the independence.
| SIP-certified bureau | |||
|---|---|---|---|
| Reach | One bank's network, one portal and format per bank | The full network, if you build and staff for it | 12,000+ institutions through one connection |
| Your BIC | None: payments travel under your bank's identity | Yours, with everything operating it implies | Yours: CPN operates the certified connection behind it |
| Infrastructure | None to run, but every bank is a separate integration | PKI, HSM, connectivity, and upgrades on your team | Run by CPN in certified facilities |
| Attestation | None required | Annual CSP attestation carried by your organization | Your own CSP attestation, on infrastructure CPN maintains and upgrades |
| Onboarding | Each new bank means another portal, another key, another format | Every new BIC and counterparty is a project on your plan | New banks, BICs, and counterparties in weeks rather than months |
| Deployment | Whatever your bank offers, on your bank's terms | Yours to design, build, and keep certified | Dedicated, shared, cloud, or on-premises |
| Operations | Your bank's queue, on your bank's timeline | A round-the-clock operations function you staff yourself | Monitoring, archiving, and a team you can call |
01Through your bank
- Reach
- One bank's network, one portal and format per bank
- Your BIC
- None: payments travel under your bank's identity
- Infrastructure
- None to run, but every bank is a separate integration
- Attestation
- None required
- Onboarding
- Each new bank means another portal, another key, another format
- Deployment
- Whatever your bank offers, on your bank's terms
- Operations
- Your bank's queue, on your bank's timeline
02Direct SWIFT membership
- Reach
- The full network, if you build and staff for it
- Your BIC
- Yours, with everything operating it implies
- Infrastructure
- PKI, HSM, connectivity, and upgrades on your team
- Attestation
- Annual CSP attestation carried by your organization
- Onboarding
- Every new BIC and counterparty is a project on your plan
- Deployment
- Yours to design, build, and keep certified
- Operations
- A round-the-clock operations function you staff yourself
03CPN Service BureauSIP-certified bureau
- Reach
- 12,000+ institutions through one connection
- Your BIC
- Yours: CPN operates the certified connection behind it
- Infrastructure
- Run by CPN in certified facilities
- Attestation
- Your own CSP attestation, on infrastructure CPN maintains and upgrades
- Onboarding
- New banks, BICs, and counterparties in weeks rather than months
- Deployment
- Dedicated, shared, cloud, or on-premises
- Operations
- Monitoring, archiving, and a team you can call
Through your bank
- Reach
- One bank's network, one portal and format per bank
- Your BIC
- None: payments travel under your bank's identity
- Infrastructure
- None to run, but every bank is a separate integration
- Attestation
- None required
- Onboarding
- Each new bank means another portal, another key, another format
- Deployment
- Whatever your bank offers, on your bank's terms
- Operations
- Your bank's queue, on your bank's timeline
Direct SWIFT membership
- Reach
- The full network, if you build and staff for it
- Your BIC
- Yours, with everything operating it implies
- Infrastructure
- PKI, HSM, connectivity, and upgrades on your team
- Attestation
- Annual CSP attestation carried by your organization
- Onboarding
- Every new BIC and counterparty is a project on your plan
- Deployment
- Yours to design, build, and keep certified
- Operations
- A round-the-clock operations function you staff yourself
SIP-certified bureau
CPN Service Bureau
- Reach
- 12,000+ institutions through one connection
- Your BIC
- Yours: CPN operates the certified connection behind it
- Infrastructure
- Run by CPN in certified facilities
- Attestation
- Your own CSP attestation, on infrastructure CPN maintains and upgrades
- Onboarding
- New banks, BICs, and counterparties in weeks rather than months
- Deployment
- Dedicated, shared, cloud, or on-premises
- Operations
- Monitoring, archiving, and a team you can call
Already on a service bureau?
Transitions are quiet by design. Your BIC, message flows, and operating procedures carry over without interruption, cutover is planned around your payment calendar, and the team answering today keeps answering.