Frequently Asked 
Questions

Athena's embedded compliance engine validates pre-, intra-, and post-trade controls in real-time, ensuring every action aligns with regulatory obligations, mandate restrictions, and firm-level policies. It includes customisable rule libraries, automated breach detection, exception management, and comprehensive audit trails—supporting MiFID II, AIFMD, and global compliance standards.

Athena Spark is hosted within the Athena Private Cloud with primary and disaster recovery environments across six certified global data centres. Each implementation is tailored to your workflow requirements, and the platform can be accessed via desktop, web, tablet, or API—providing flexibility while maintaining institutional-grade security and business continuity.

Athena provides portfolio managers with real-time consolidated views of performance, exposures, and cash positions, sophisticated modelling and rebalancing tools, and scenario testing capabilities. Traders benefit from multi-asset order routing, pre-trade compliance, smart allocation rules, and real-time market data integration—all within a single, seamless platform.

Athena is certified and actively integrated with 50+ prime brokers, 25+ administrators, 100+ custodians, and major market data vendors. It supports electronic connectivity to over 1,000 brokers, DMAs, ECNs, and ATSs. Additional third-party integrations are available on demand through flexible APIs and automated file exchange.

AthenaGO provides real-time portfolio control and execution on any device, anywhere. Unlike standard view-only apps, AthenaGO delivers full trading and portfolio management capabilities through a streamlined tablet and web interface. It empowers advisors to act on client needs instantly—monitoring real-time performance, rebalancing portfolios, or executing orders—without being tethered to a desktop, while maintaining all security, compliance, and integration standards of Athena Spark.

Athena Spark supports full lifecycle management across equities (listed, private, derivatives, swaps, ADR/GDRs), FX (spot, forwards, vanilla and exotic options), futures and commodities, private equity and alternatives, and fixed income (sovereigns, corporates, loans, CLOs, derivatives, structured products), plus cash and equivalents.

Athena is the Operating System for Active Investment Management. It delivers an execution-first platform that decouples investment operations from legacy batch cycles, empowering Asset Managers, Wealth Managers, and Banks to manage public and private assets with intraday precision. Athena offers two core products: Spark (one real-time, automated platform for trading, risk, compliance, and portfolio management) and AthenaGO (real-time portfolio control and execution on any device, anywhere).

Athena Spark replaces fragmented tools and manual processes with intelligent automation across the entire investment lifecycle. It provides real-time STP trading, automated rebalancing, reconciliation, compliance monitoring, and investor reporting—all integrated in one platform. This eliminates data silos, reduces errors, and accelerates decision-making.

Athena Spark is Athena's flagship cloud-native, front-to-back investment management platform designed for asset and wealth managers, hedge funds, and private banks. It is one real-time, automated platform for trading, risk, compliance, and portfolio management that unifies all investment operations in a single integrated system—eliminating silos and providing one source of truth. Spark automates the entire investment lifecycle from trading to risk, compliance, reporting, and accounting with intraday precision.

United Fintech delivers products that strengthen the buy-side technology stack, spanning execution and order management, FIX connectivity, real-time data, and implementation support. Through Athena—the Operating System for Active Investment Management—we provide an execution-first platform that decouples investment operations from legacy batch cycles, uniting a Real-Time Investment Book of Record (IBOR) with institutional-grade Order Management, Compliance, and Accounting.

Yes, IBAS enables banks to configure workflows, approval routing, pricing tiers, customer limits, document templates, and business rules through no-code configuration tools. All customisations are upgrade-safe, meaning they won't be affected by system updates—giving institutions control without creating technical debt.

Trade Ledger digitises customer onboarding through automated KYC/AML, identity verification, direct connection to company registries and open-banking feeds, and smart application forms. This creates a frictionless digital journey that accelerates approvals while ensuring compliance, reducing onboarding time from weeks to minutes.

Trade Ledger provides real-time portfolio visibility, AI-powered predictive risk analytics, automated covenant monitoring, and proactive renewal management. Institutions gain unified dashboards combining data from core banking, collateral, and risk systems—enabling early intervention, compliance oversight, and data-driven portfolio decisions.

IBAS Trade Finance automates the complete lifecycle of guarantees, documentary credits, standby LCs, and collections. It includes SWIFT-certified messaging, customer self-service portals, automated document checking, real-time limit management, and workflow orchestration—reducing manual effort and accelerating compliant client service.

IBAS Payments delivers next-generation payment processing for domestic, cross-border, SEPA, and instant payments with 24/7 availability. It supports SWIFT gpi, direct debits, mass payments, and real-time sanctions screening—all with intelligent routing, full STP automation, and secure API integration for embedded payment experiences.

Through Trade Ledger's AI-driven workflows and real-time data integration with accounting systems and open-banking feeds, lenders can automate financial analysis, risk scoring, and eligibility checks. This enables instant credit assessments and transparent approvals, reducing decision times from weeks to hours while maintaining compliance.

IBAS is a modern banking platform that enables financial institutions to configure and manage core operations without custom code. It supports domestic and cross-border payments, trade finance (guarantees, documentary credits, standby LCs), instant payments, SWIFT messaging, and comprehensive workflow automation—all through upgrade-safe configuration tools.

Trade Ledger transforms business lending through intelligent automation. The Trade Ledger Platform enables financial institutions to digitise their entire credit lifecycle—from onboarding to portfolio management. Using open data, automation, and analytics, it helps lenders deliver faster, smarter, and more sustainable working-capital solutions for businesses around the world through three core products: Onboarding & Origination, Deal Creation, and Portfolio & Risk Management.

United Fintech delivers products that power the evolution of banking by enhancing payments and credit processes, automating onboarding and risk workflows, and optimising working capital. Our portfolio includes CBA's IBAS platform (for payments, trade finance, and banking services) and Trade Ledger (for digital lending and credit lifecycle management), driving greater speed, transparency, and efficiency across financial institutions worldwide.

CBA delivers next-generation banking engineered for automation and global scale. The IBAS platform provides a modern, resilient foundation for payments, trade finance, and other banking services. Purpose-built for international operations and demanding regulatory environments, IBAS combines deep automation, intuitive user experience, and high-performance architecture—resulting in streamlined operations, greater efficiency, and significantly lower total cost of ownership for financial institutions.

Netdania provides institutional-grade real-time market data across all asset classes—FX, equities, fixed income, commodities, and crypto. Our solutions include low-latency APIs, FX options volatility surfaces, news and analytics feeds, and enterprise-grade data infrastructure with full governance and compliance controls.

United Fintech's CobaltFX Post-Trade Solutions automate validation, synchronisation, and lifecycle management across FX transactions. Through shared infrastructure and a single verified record, institutions achieve near-straight-through processing (STP), eliminate reconciliation breaks, and maintain compliance-ready transparency.

FairXchange offers Horizon, a data analytics platform that optimises liquidity pools, order flow, and pricing. It transforms complex data into actionable insight, empowering financial institutions to make data-driven decisions and build sustainable trading relationships through transparency, collaboration, and powerful visual analytics. Horizon includes modules for Core analytics, Liquidity management, AI-driven insights, and Algo TCA (Transaction Cost Analysis).

CobaltFX provides shared institutional-grade FX infrastructure that connects banks, brokers, and liquidity providers. It centralises credit distribution, optimises market access, and reduces operational inefficiency through four key products: Dynamic Credit, Optimisation, Post-Trade Solutions, and Connectivity. Built for banks, brokers, and ECNs, it efficiently reduces credit deployment, improves operational efficiency, and supports regulatory transparency across the global FX ecosystem.

United Fintech offers comprehensive trading technology through Netdania, including white-label desktop, web, and mobile trading platforms. We also provide real-time market data APIs, advanced charting solutions, and embeddable financial widgets—all designed for institutional scale with low latency and full brand customisation.

Through TTMzero, we provide precision pricing and automation for capital markets. TTMzero offers three key products: FIAP (Financial Instruments Automation Platform) for full lifecycle automation, FVP (Fair Value Pricing) for independent valuations of complex instruments, and RTP (Real-Time Prices) for evaluated real-time market data. These solutions enable financial institutions to make smarter, data-driven decisions through transparency and powerful visual analysis.

Netdania delivers advanced market data, trading, charting, and data-visualisation technology to financial institutions worldwide. With 25+ years of innovation and trusted by banks, brokers, and fintechs in 100+ countries, Netdania provides high-performance, modular technology including Charts and Components, Market Data solutions, and Trading Technology—all built with API-first architecture for seamless integration across web, mobile, and desktop.

Through CobaltFX Dynamic Credit, we provide a unified framework for managing credit exposure across the global FX ecosystem. We replace fragmented bilateral credit lines with a shared network delivering real-time visibility, automated exposure management, and optimised liquidity use—helping institutions reduce settlement risk and improve operational efficiency.

United Fintech delivers products that modernise capital markets by replacing legacy systems with faster, automated tools for trading, data, and risk management. Our portfolio includes Netdania (market data, trading, and charting), CobaltFX (FX infrastructure), FairXchange (liquidity analytics), and TTMzero (precision pricing and automation). These solutions improve transparency, strengthen compliance, and reduce cost, complexity, and operational risk.