Frequently Asked 
Questions

Designed for the mobile professional, AthenaGO as a United Fintech product, delivers core investment capabilities through a secure, browser-ready interface that never compromises functionality. It brings real-time visibility, analytics, and client-ready reporting into one intuitive interface optimised for mobility and engagement. Access Athena Spark's institutional toolset from any device, without compromise on data depth or compliance. Monitor global positions, P/L, and exposure via real-time dashboards, securely accessible through browser or tablet. Discover more about AthenaGO's capabilities on United Fintech's AthenaGO product page or contact United Fintech for a consultation on implementation. Read more about AthenaGO.

With AthenaGO, United Fintech brings comprehensive trading and portfolio tools to a simplified web and tablet experience, empowering users to manage assets on the move. It empowers advisors to act on client needs instantly, whether it’s monitoring real-time performance, rebalancing a model, or executing a single order, without being tethered to a desktop. Built on the same architecture as Athena Spark, AthenaGO delivers secure, real-time access to trading, rebalancing, compliance, and positions from anywhere with real-time market data. AthenaGO is the ideal solution for teams requiring full and swift oversight without the complexity of a desktop terminal, maintaining all compliance, security, and integration standards of Athena Spark, in a digital-first format optimised for real-time trading and position management on the move. Read more about AthenaGO.

Athena Spark validates pre-, intra-, and post-trade controls to ensure every action aligns with regulatory obligations, mandate restrictions, maker/checker rules, and firm-level policies, without slowing the investment process. Advanced rule libraries, customisable workflows, and automated breach detection eliminate manual monitoring and reduce compliance risk. With comprehensive audit trails, exception management, and seamless connectivity to OMS, PMS, and external data sources, Athena's compliance feature provides a fully integrated framework that empowers teams to operate with confidence, transparency, and continuous adherence to global standards. Read more about Athena Spark’s compliance engine.

The United Fintech product, Athenas’ Risk Management, offers operational advantages for front-, middle-, and back-office teams by providing an integrated platform that connects trading, portfolio management, and operations. Front-office teams benefit from real-time STP trading, multi-asset and multi-currency modelling, and rebalancing at scale. Middle-office users gain immediate visibility into portfolios, exposures, and risk with real-time market data. Back-office teams rely on automated reconciliation, accounting, and investor reporting for faster, more reliable data. The integration provided by Athena Spark ensures data consistency and compliance across funds, accounts, and asset classes, enhancing overall operational efficiency. Read more about Athena Spark's Risk Management.

Athena Spark offers secure hosting within the Athena Private Cloud. Primary and disaster recovery environments are hosted in six certified global data centers with world-class business continuity and recovery protocols with each implementation tailored to individual workflow needs. Learn more about Athena Spark.

Athena Spark, a United Fintech product, streamlines operations by bringing order management, portfolio management, compliance, reporting, and accounting together with real-time market data in one connected platform, ensuring data consistency and compliance across funds, accounts, and asset classes. Athena Spark replaces manual processes with intelligent workflow automation, from rebalancing to reconciliation, delivering accuracy, speed and control at scale. Hosted securely and built for growth, Athena Spark becomes the single system of record, driving precision, performance, and transparency at every level. Read more about Athena Spark.

By integrating real-time market and risk data, Trade Ledger ensures accurate pricing and collateralisation. This capability allows the Trade Ledger platform to calculate precise loan terms, ensuring facilities are priced accurately and competitively. As a result, Trade Ledger enhances profitability and risk control for financial institutions. By using real-time data, Trade Ledger offers intelligent pricing that adapts to market conditions, optimising both loan terms and risk exposure. This integration helps in maintaining competitive pricing strategies and minimising potential losses due to mispricing. Learn more.

Trade Ledger, a United Fintech product, enhances portfolio risk management by unifying data from core banking, collateral, and risk systems to provide a real-time picture of portfolio health. The integration enables financial institutions to gain transparency, control, and agility in managing performance and mitigating risk. Trade Ledger empowers users with the ability to identify issues early and act proactively. The Trade Ledger platform uses embedded analytics to identify early warnings, automate covenant monitoring, and support proactive renewals. By doing so, Trade Ledger helps financial institutions maintain a strong understanding of financial risk exposure and overall portfolio health, allowing for timely and informed decision-making. Find out more about Trade Ledger portfolio risk management.

Trade Ledger aggregates and analyses financial data from accounting software and ERP systems to create a complete business profile. The process involves collecting detailed financial information, which Trade Ledger systematically evaluates to produce a comprehensive picture of the business financial health. By integrating data from multiple sources, Trade Ledger ensures accuracy and completeness in its assessments. The data aggregation and analysis provide insights into key financial metrics and trends, enhancing understanding of the business financial position. The integration of accounting software and ERP data supports a robust evaluation, contributing to a reliable business profile. See how the Financial Assessment feature works.

Trade Ledger ensures efficient digital onboarding by automating data collection and integrating systems to eliminate manual entry and reduce errors. The Trade Ledger platform accelerates the approval process while maintaining compliance from the first interaction. The automated approach not only speeds up client onboarding but also ensures accuracy in data management. By integrating with existing systems, Trade Ledger minimises delays and potential bottlenecks, providing a smooth experience for both clients and financial institutions. Learn more about Trade Ledger.

Trade Ledger accelerates lending decisions using AI-driven workflows and real-time analytics. The capabilities of Trade Ledger as a United Fintech product allow credit risk assessments to be made instantly, providing rapid and transparent outcomes for customers. The Trade Ledger platform significantly reduces the time required for lending decisions from weeks to hours. By leveraging AI, Trade Ledger automates complex analysis processes, enabling teams to swiftly evaluate and respond to credit applications. Real-time data processing supports the quick identification of credit risks, reducing uncertainties and enhancing decision-making speed. Discover how Trade Ledger transforms lending processes.

Trade Ledger, part of United Fintech, offers an end-to-end credit management platform that includes Onboarding & Origination, Deal Creation, and Portfolio & Risk Management. These three components ensure efficient management of the entire credit lifecycle, with each stage covering specific processes such as risk assessment, document management, and loan renewal. The Onboarding & Origination phase includes onboarding and registration, financial assessment, risk assessment, and loan and facility application. Deal Creation covers loan and facility structuring, fulfilment and document management, and booking, while Portfolio & Risk Management encompasses customer and relationship management, facility management, collateral and security management, risk management, and loan closure and renewal. Explore the full Trade Ledger platform.

Using structured tools, CBA IBAS enables banks to manage core operations without requiring development teams. The IBAS platform includes functionality for user profiles, approval flows, service levels, dashboards, pricing, and messaging, all upgrade-safe and requiring no code. This enables banks to adapt pricing, approvals, menus, text, and routing logic with zero code and no impact on upgrades. By reducing reliance on development teams and vendor change requests, IBAS shifts control into the hands of the banks while maintaining governance, auditability, and performance. For more information, visit the CBA IBAS product page.

By using structured tools, CBA IBAS enables banks to configure and manage every layer of their core operations. The IBAS platform offers full support for integration, reporting, and regulatory compliance, creating an adaptable infrastructure crucial for operations across payments, trade, and banking functions. By reducing reliance on development teams and vendor change requests, IBAS shifts operational control into the hands of the bank whilst maintaining governance, auditability, and performance. The compliance and integration features of the IBAS platform are designed to streamline processes, reduce risks, and enhance organisational efficiency. Visit the CBA IBAS product page to learn more.

CBA IBAS Trade Finance provides secure integration with internal and client-facing systems for straight-through processing. Through REST and Integration APIs, key capabilities include Automated Document Checking, Credit Control, Embargo List Control, and Sanctions Screening. IBAS Trade Finance is also SWIFT-certified for trade finance, ensuring structured trade communication with full traceability and compliance. These integration capabilities streamline operations, reduce manual effort, and support compliance throughout the trade finance lifecycle. Read more about CBA IBAS Trade Finance.

CBA IBAS Payments, by United Fintech, provides real-time screening and jurisdiction-specific rules for AML and sanctions enforcement, enabling high-volume Straight Through Processing (STP) with full transparency and resilience. The compliance and sanctions capability is built for demanding regulatory environments. IBAS Payments integrates via secure REST and Open APIs with 24/7 readiness, providing connectivity to external platforms, portals, and fintechs for embedded payments. Monitors and dashboards delivers consolidated, real-time oversight of transaction flows, exceptions, and SLAs. IBAS Payments is also SWIFT-certified for secure, standardised, and compliant global payment processing. For more information, visit the CBA IBAS Payments product page.

CBA IBAS Payments, part of United Fintech, delivers next-generation banking systems that power domestic, cross-border, and instant payments. Designed for complex, high-volume operations, it helps financial institutions simplify workflows, boost efficiency, and accelerate digital transformation, providing a complete solution with full transparency, regulatory compliance, and seamless integration. IBAS Payments supports SEPA, SWIFT gpi, Direct Debits, and Instant Payments with 24/7 readiness. Through secure APIs, banks can connect core systems, portals, and apps to deliver embedded payment experiences that combine resilience, speed, and control. Rule-based automation handles routing, validation, sanction-checking, and settlement, delivering full Straight Through Processing (STP) with real-time control. Explore how CBA IBAS Payments can improve banking operations.

The CBA IBAS Trade Finance product supports every stage of the trade lifecycle, from issuance to settlement. It covers guarantees, documentary credits, standby LCs, and collections under one system, with rules-based workflows, configurable workflows, and real-time SLA management. The Customer Portal provides real-time digital self-service for corporates, enabling faster, compliant client service. Built-in SWIFT support and API integration streamline operations and reduce manual effort. No-code configuration tools allow banks to define client limits, pricing tiers, and document rules to meet specific business needs. For more information, read more here.

CBA IBAS Trade Finance, a United Fintech product, allows banks to digitise the end-to-end processing of guarantees, documentary credits, standby LCs, and collections under one system. With built-in SWIFT support, API integration, and configurable workflows, it streamlines operations, reduces manual effort, and delivers faster, compliant client service. No-code configuration tools allow banks to define client limits, pricing tiers, and document rules, all upgrade-safe and fully governed. IBAS Trade Finance supports every stage of the trade lifecycle, from issuance to settlement, with real-time visibility and compliance oversight throughout. Learn more.

The TTMZero Regulatory Automation feature generates and manages compliance outputs for PRIIPs, KIDs, EMT files, and MiFID II disclosures. Using dynamic templates and continuously updated rule sets, it produces accurate regulatory documents and routes them through approval and signature workflows resulting in reduced manual effort and more alignment with current standards. Audit trails enhance transparency, giving compliance teams clear insight into the regulatory process and consistent governance. By reducing manual intervention, the module ensures institutions stay aligned with constantly evolving regulations. For more information, visit the Regulatory Automation feature page.

TTMZero Financial Instruments Automation Platform includes four integrated product features: Product Issuance, Data Integration, Lifecycle Management, and Regulatory Automation. Together, they provide a connected, compliant foundation for structured-product and derivatives operations, each playing a specific role in streamlining workflows and improving accuracy. Product Issuance enables the creation and approval of new instruments with speed and accuracy. Data Integration connects reference and market data seamlessly across systems. Lifecycle Management automates ongoing product events from issuance to maturity. Regulatory Automation simplifies compliance and audit workflows. Learn more about the TTMZero Financial Institution Access Platform product features.

To ensure compliance with MiFID II and PRIIPs, TTMZero Financial Instruments Automation Platform uses built-in regulatory logic that generates the required documents automatically. Integrated workflows replace manual processes with fast, accurate, and compliant outputs, keeping financial instruments aligned with evolving regulatory requirements. The combination of speed, data consistency, and embedded regulatory logic helps institutions reduce risk during product issuance. FIAP streamlines every stage, allowing institutions to launch new instruments with greater control and confidence. Learn more.

The TTMzero Model Library offers a validated suite of pricing models tailored to equities, fixed income, derivatives, and structured products. Each model is calibrated, tested, and documented to support transparency and governance, ensuring valuations follow market conventions. Institutions benefit from consistent methodologies aligned with IFRS 13, AIFMD, and MiFID II expectations, reducing maintenance effort while strengthening control over valuation processes. Learn more.

TTMZero Financial Instruments Automation Platform accelerates instrument setup through templates, pre-validated fields, and automated documentation. Teams can quickly create, edit, and approve financial products while maintaining consistent standards and regulatory alignment. The product converts manual setup into a connected workflow that integrates creation, validation, and documentation in a single process. Automatic term-sheet generation, structured reviews, and built-in checks significantly reduce turnaround time and improve accuracy, allowing institutions to launch new products faster without compromising on governance or compliance. Learn more.

The United Fintech product, TTMZero Fair Value Pricing Valuation, produces transparent, audit-ready valuation reports detailing assumptions, data sources, and methodology. Reports integrate into accounting, risk, and client-reporting workflows via dashboards or API, giving institutions the flexibility to embed outputs directly into existing systems. Full traceability supports governance requirements and enables institutions to respond quickly to internal or external reviews. The comprehensive documentation ensures all necessary compliance checks can be executed efficiently. To learn more, visit the TTMZero Fair Value Pricing page.

TTMzero Fair Value Pricing, a United Fintech product, uses validated models and high-quality inputs to provide independent valuations for complex and illiquid instruments. The product delivers transparent, defensible pricing with full documentation, supporting risk, accounting, and regulatory requirements across portfolios. Fair Value Pricing introduces objectivity and consistency into valuation workflows through automated data checks, robust model governance, and methodology disclosure. These features support auditability and internal oversight while ensuring compliance with industry standards. Available as a managed service or via API, Fair Value Pricing integrates easily into existing systems for efficient valuation across diverse asset classes. Learn more.

Netdania Netstation integrates curated financial news and sentiment analytics into NetStation through partnerships with MT Newswires, Trading Central, and FXStreet. Traders can correlate market events with price movements in real time, filter headlines, and act faster. NetStation also supports advanced alerts for trading and pricing across market parameters, interactive product calculators, and Excel connectivity for live data integration. Unique to NetStation is its ability to integrate clients own market data sources alongside curated feeds, creating a unified workspace that merges charts, analytics, news, and data into a single point of truth for decision-makers. Learn more.

Netdania Mobile Trading Technology, a United Fintech product, extends institutional trading capabilities to mobile users with high-performance trading on iOS and Android devices. Built for low-latency execution and secure data handling, the apps connect seamlessly to back-end systems, liquidity providers, and risk controls. Users can monitor markets, analyse charts, and trade across asset classes with the same depth found in desktop solutions. Each app supports custom branding, multilingual UX, and real-time push alerts, empowering institutions to deliver professional-grade mobile trading while maintaining full regulatory compliance. Learn more about Netdania Mobile Trading Technology.

Netdania Trading Technology, another United Fintech product, offers a unified platform for multi-asset trading that integrates liquidity, risk, and back-office systems across platforms. Deployments are fully customisable to ensure compliance and low latency whilst maintaining a consistent user experience. This flexibility allows clients to adapt Netdania Trading Technology to specific institutional needs and regulations. Netdania Trading Technology enhances trading efficiency by modernising legacy infrastructure and supporting high-performance trading at a global scale. It facilitates seamless integration, offering a streamlined trading process, customisation, and improved risk management, capabilities that are crucial for institutions aiming to optimise operational workflows. See the full Netdania Trading Technology offering.

Netdania's real-time market data API delivers accurate, validated pricing and reference data across FX, equities, commodities, crypto, fixed income, and money markets. Using REST and WebSocket technology, institutions can stream live rates, access historical time series, and integrate data directly into OMS, risk, and analytics systems. Each feed is aggregated, normalised, timestamped, and fully traceable to ensure transparency and regulatory confidence. Built-in monitoring, granular permissioning, and global redundancy guarantee secure, resilient access from a single trusted source. Explore the Data Feeds & API feature in full detail.

Netdania offers comprehensive brand customisation options for financial institutions across web, mobile, and desktop platforms across their Financial charts and components store, Market Data solutions and Trading Technology products. These customisation options enable financial institutions to maintain brand consistency and deliver customised experiences to their clients. The flexible, white-label technology allows for seamless integration with existing systems. Netdania's white-label solutions are designed for scalability and low latency, with full brand control across every device. Institutions can customise branding, colours, and languages to deliver a consistent user experience that reflects their own identity. Learn more.

Netdania’s Market Data Solutions ensures data quality and compliance through advanced infrastructure that delivers high-quality, auditable data aligned with global standards. The commitment to data quality strengthens transparency and trust in every dataset. Full lineage tracking is a critical component, ensuring that every piece of data can be traced back to its source. The infrastructure not only guarantees the precision of the market data but also ensures adherence to compliance requirements by aligning with international standards. This meticulous approach supports financial institutions in maintaining trustworthy datasets, which are critical for decision-making and regulatory reporting. Visit the Market Data Solutions page for further details.

Netdania Market Data Solutions, a United Fintech product, provides multi-asset coverage including global data across FX, fixed income, commodities, crypto, precious metals, money markets, equities, futures, and indices. The unified API ensures speed, accuracy, and consistency through validated feeds, making Netdania Market Data Solutions a comprehensive source for traders seeking diverse asset data. The inclusion of these asset classes allows financial professionals to access critical market data efficiently. Financial professionals can integrate a wide range of asset data into trading platforms, harmonising various data sources into a single, cohesive feed. This capability reduces the complexity of managing separate data streams and enhances decision-making through reliable data inputs. Find out more about Netdania Market Data Solutions.

FairXchange Horizon Liquidity, a United Fintech product, provides a detailed view of liquidity to understand spread and skew dynamics, model trends and build custom pools to enhance pricing and FX trading efficiency. Horizon Liquidity equips traders and managers with tools to measure and optimise liquidity performance. With spread and skew analysis, quote update rates, liquidity baselines and historical trend evaluation, it enables informed decisions on pricing and order distribution. Users can configure pools, assess sweepable or full amount trading, and detect imbalances to reduce slippage. Horizon Liquidity transforms static data into strategic advantage through objective measurement and actionable insight in institutional FX liquidity management. Learn more about FairXchange Horizon Liquidity.

The Horizon AI Liquidity Simulator enables users to model changes in their trading environment and determine the optimal liquidity provider panel. Users can adjust pool membership, add or remove providers, or model the impact of pricing changes, supporting data-driven FX liquidity optimisation. By modelling various scenarios, traders can better prepare for changes in liquidity and make informed decisions about their liquidity provider panel, resulting in more effective liquidity management and better trading outcomes. Learn more about the Horizon AI Liquidity Simulator.

FairXchange Horizon Core, a United Fintech product, provides an essential analytics framework for understanding risk-transfer trading performance. It offers market share analysis, markout analysis, and liquidity provider analytics, transforming complex data into actionable intelligence. By consolidating data into a single coherent view, Horizon Core allows firms to measure execution quality, identify underperformance, and uncover opportunities to enhance profitability and efficiency. Horizon Core is the analytical engine of the FairXchange Horizon platform. Alongside market share analysis and markout curves, it includes scheduled reporting, turning complexity into clarity and empowering firms to act on what the data reveals. Read more about Horizon Core to discover how it enhances FX trading analytics.

FairXchange Horizon Algo, delivers detailed transaction cost analysis across all trades to enhance trading outcomes. By measuring execution quality and benchmarking performance, Horizon Algo ensures compliance with best execution standards. This comprehensive tool helps firms refine strategies and achieve optimal trading results. Horizon Algo provides comprehensive insight into execution quality across asset classes and trading venues. It offers aggregate and single trade analysis, benchmark and algorithmic performance evaluation, throughput tracking and best execution rule capture. With peer comparison and automated reporting, Horizon Algo transforms transaction data into measurable transparency, supporting regulatory best execution, helping firms refine strategies and achieve optimal trading outcomes. Learn more about FairXchange Horizon Algo.

The Sentinel feature in FairXchange Horizon AI delivers AI-powered monitoring and alerting for smarter supervision. Sentinel continuously monitors trading activity across all channels, utilising pattern recognition and behavioural analysis to detect anomalies and potential risks before they escalate, ensuring compliance and operational assurance. The Sentinel feature's intelligent alerting system prioritises commercially relevant changes, ensuring that teams are focused on actionable events, reducing noise in complex FX trading environments. Learn more about FairXchange Horizon AI.

FairXchange Horizon provides comprehensive FX analytics and data-driven insights to monitor trade flow, pricing, and counterparties effectively. The platform enhances the ability of traders to maintain sustainable and profitable trading relationships while supporting real-time decision-making. Horizon allows users to gain continuous visibility, ensuring optimal trading conditions. The capabilities of Horizon are crucial for traders seeking to make informed decisions swiftly and accurately. By delivering detailed insights, Horizon helps users understand market dynamics and optimise trading strategies. The focus on real-time data ensures that current trading environments are reflected accurately, aiding in precise execution. Learn more about FairXchange Horizon.

FairXchange Horizon, part of United Fintech, enhances liquidity management by using advanced FX liquidity analytics to identify problematic flow and make adjustments to the liquidity provided to counterparties. The process improves the profitability of flow routed to liquidity providers. Enhanced execution quality results in increased business for brokers, as liquidity providers can better monetise flow, ultimately benefiting both parties involved. The Horizon platform's analytics allow trading desks to closely monitor and modify client flow, leading to better allocation of liquidity and improved trading conditions. By optimising liquidity, brokers can achieve superior execution outcomes, enhancing brokers service offering and competitive position. Learn more about FairXchange Horizon liquidity management.

The Trade Notification Network (TNN) serves as CobaltFX's broadcast layer, delivering real-time event updates to authorised participants. It timestamps, logs, and audits messages for transparency and compliance. By helping every institution operate on synchronised data, TNN reduces version discrepancies and supports trust in the shared FX infrastructure. Learn more about CobaltFX Trade Notification Network (TNN).

CobaltFX Connectivity provides the network and data infrastructure for the FX market, linking ECNs, liquidity providers, and counterparties through standardised APIs and secure messaging. As the backbone of the CobaltFX infrastructure, it integrates FX trade, credit, and settlement data into a continuous, real-time message flow, enabling institutions to exchange verified data instantly and securely. ECN Messaging and the Trade Notification Network (TNN) handle real-time data exchange between trading venues and participants, and broadcast instant trade, credit, and settlement notifications across the network respectively. For further details, visit the CobaltFX Connectivity product page.

The CobaltFX Post-Trade Solutions by United Fintech, delivers automated FX trade processing and reconciliation through a shared, real-time infrastructure. By standardising data across foreign exchange workflows, the product helps reduce cost, latency, and risk. The result is near-straight-through processing (STP) and a transparent, unified environment for institutional FX operations. From execution to settlement, CobaltFX Post-Trade Solutions automate validation, synchronisation, and lifecycle management for FX transactions. By mutualising post-trade infrastructure, market participants share a single, verified record of every trade, helping reduce mismatches, reconciliation breaks, and latency. For more information, visit the CobaltFX Post-Trade Solutions product page.

CobaltFX Optimisation, another United Fintech product, improves post-trade efficiency by automating FX multilateral netting and settlement, helping institutions compress exposure, improve liquidity, and enhance post-trade efficiency across global markets. Its shared, real-time ledger synchronises data across connected systems, so every participant can operate from the same verified record. Through continuous matching and netting, CobaltFX Optimisation identifies offsetting trades across participants, currencies, and instruments, helping reduce settlement volumes and associated risk, cutting payment volumes, lowering exposure, and improving liquidity efficiency. Learn more about CobaltFX Optimisation.

Included product features in CobaltFX Dynamic Credit are automated exposure management, margin control, and credit distribution across trading channels. Together, they support a transparent, compliant, and risk-managed credit framework for modern FX operations. Within Dynamic Credit are Dynamic ECNs and Dynamic DNs. Dynamic ECNs continuously monitor exposure and available limits, ensuring trades are executed only when credit conditions are met, and automatically rejecting orders that exceed thresholds across connected venues. Dynamic DNs extend the CobaltFX shared credit model to direct trading relationships, providing a single interface for margin rules, exposure limits, and utilisation tracking, with automated allocation, instant updates, and full audit trails. To explore more, visit the CobaltFX Dynamic Credit product page.

CobaltFX enhances FX credit management through its Dynamic Credit solution, which mutualises FX credit management and post-trade infrastructure, replacing fragmented bilateral systems with a centralised and automated shared layer. The United Fintech product provides a unified institutional framework for managing credit exposure across the global foreign exchange ecosystem. Financial institutions benefit from a shared network that delivers real-time visibility of credit utilisation and available capacity across participants. By mutualising credit infrastructure, institutions can allocate capacity more efficiently, optimise liquidity use, and help mitigate operational risk in FX settlement. To explore more, visit the CobaltFX Dynamic Credit product page.