The physical service layer for digital banking.
One endpoint
Several institutions
Shared infrastructure
Independent access point
Software-defined services
Hardware-backed execution
European architecture
Institution-controlled services
The physical service layer for digital banking.
Institutions keep the account, the relationship and the authorization. FILIAR executes the physical service on shared infrastructure — a concept developed together with banks, cities and technology partners.
The bank owns the relationship. FILIAR executes the physical service.
FILIAR is not a bank and holds no account. It executes physical banking services on behalf of the institution that owns the customer relationship.
Digital bank / fintech
Offer physical services without building a proprietary branch estate.
Established bank
Move suitable standardized branch processes onto shared physical infrastructure.
City / location partner
Keep access to banking services without a traditional full-service branch.
Which perspective are you working from?
Your choice stays active and shapes the rest of this page.
Keep physical presence without carrying it alone.
A shared service layer lets several institutions share one physical access point while keeping their own customer relationship.
Define the service scope, connect authentication and ledger, decide what is enabled for customers.
- interfaces
- identity
- orchestration
- Branch coverage under cost pressure
- Self-service limited to cash
- Direct-bank customers without physical access
- Scope a pilot region together
- Review the role split in detail
- Check integration with existing terminals
Services as modules, not as a bundle.
An institution switches on what fits its model. The rest stays off.
One endpoint. Multiple institutions.
Session recognised — the service surface is resolved from configuration and session.
- Cash
- Deposit
- Statements
- Support
The architecture is designed to extend.
Today's service modules are the foundation. Further layers are anticipated in the architecture — designed, not active yet.
- Cash
- Deposit
- Transfer
- Account
- Statements
- Documents
- Cards
- Verify
- Support
FILIAR Invest
A physical workspace for the digital investment relationship.
- Portfolio
- Markets
- Watchlists
- Orders
- Savings plans
- Investment documents
- Broker support
The financial relationship doesn't end with the bank account. Neither should the physical endpoint.
FILIAR is designed first around physical banking services. The same session-based, institution-controlled architecture could later carry other regulated financial services. The first extension being explored is FILIAR Invest.
And the endpoint can go further.
The app stays personal. FILIAR adds space, context and physical service.
- Cash
- Transfer
- Account
- Documents
- Support
- Invest
FILIAR Invest is an architectural extension currently being explored. Availability would depend on institution integrations, technical interfaces and regulatory requirements.
Technical whitepapers
Two working documents describe the concept in depth. We share them on request rather than publish them as open downloads.
FILIAR isn’t being built for one bank. It’s being built with the right partners.
We’re looking for banks, cities, municipalities, manufacturers, investors and technology partners to help build a shared physical service layer for banking in Europe.
Talk to us
Tell us where you’re starting from. We reply personally.