{"id":4264,"date":"2026-03-11T10:12:43","date_gmt":"2026-03-11T10:12:43","guid":{"rendered":"https:\/\/www.trusek.com\/home\/?p=4264"},"modified":"2026-03-11T10:17:11","modified_gmt":"2026-03-11T10:17:11","slug":"trusek-ups-compared-to-bank-of-england-ripb","status":"publish","type":"post","link":"https:\/\/www.trusek.com\/home\/trusek-ups-compared-to-bank-of-england-ripb\/","title":{"rendered":"What we found when we Compared our Universal Payment System (UPS) against The Bank of England&#8217;s Retail Payments Infrastructure Board Requirements"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4264\" class=\"elementor elementor-4264\" data-elementor-settings=\"{&quot;element_pack_global_tooltip_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;element_pack_global_tooltip_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;element_pack_global_tooltip_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e6cc92 e-flex e-con-boxed e-con e-parent\" data-id=\"5e6cc92\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d55e3e8 elementor-widget elementor-widget-heading\" data-id=\"d55e3e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Imagining what a Sovereign Payment Platform could look like<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2b133a e-flex e-con-boxed e-con e-parent\" data-id=\"a2b133a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19f1596 elementor-widget elementor-widget-image\" data-id=\"19f1596\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/www.trusek.com\/wp-content\/uploads\/2026\/03\/Bank-of-England-Retail-Payment-Infrastructure-example.png\" class=\"attachment-full size-full wp-image-4269\" alt=\"Bank of England - Retail Payment Infrastructure example\" srcset=\"https:\/\/www.trusek.com\/wp-content\/uploads\/2026\/03\/Bank-of-England-Retail-Payment-Infrastructure-example.png 1536w, https:\/\/www.trusek.com\/wp-content\/uploads\/2026\/03\/Bank-of-England-Retail-Payment-Infrastructure-example-300x200.png 300w, https:\/\/www.trusek.com\/wp-content\/uploads\/2026\/03\/Bank-of-England-Retail-Payment-Infrastructure-example-1024x683.png 1024w, https:\/\/www.trusek.com\/wp-content\/uploads\/2026\/03\/Bank-of-England-Retail-Payment-Infrastructure-example-768x512.png 768w, https:\/\/www.trusek.com\/wp-content\/uploads\/2026\/03\/Bank-of-England-Retail-Payment-Infrastructure-example-650x433.png 650w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c72a18 elementor-widget elementor-widget-text-editor\" data-id=\"2c72a18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"text-decoration: underline;\">RPIB Requirements vs Trusek\u2019s UPS Platform Capability<\/span><\/h2><p><span style=\"color: #000000;\"><b><span style=\"color: #0000ff;\"><a href=\"https:\/\/www.trusek.com\/filedownloads\/file-download-1321.php\" target=\"_BLANK\">Download<\/a><\/span> <\/b>our comparative assessment exploring how Trusek\u2019s <a href=\"https:\/\/www.trusek.com\/home\/solutions\/unified-payment-system\/\"><strong data-start=\"557\" data-end=\"591\">Universal Payment System (UPS)<\/strong><\/a> aligns with the <strong data-start=\"608\" data-end=\"705\">Bank of England Retail Payments Infrastructure Board\u2019s Sovereign Infrastructure requirements.<\/strong><\/span><\/p><p data-start=\"721\" data-end=\"945\"><span style=\"color: #000000;\">As discussions around <strong data-start=\"743\" data-end=\"779\">Sovereign Payment Infrastructure<\/strong> continue to accelerate across the UK and Europe, understanding how existing technology platforms align with emerging requirements is becoming increasingly important.<\/span><\/p><p data-start=\"947\" data-end=\"1124\"><span style=\"color: #000000;\">Trusek estimates that its deployable <strong data-start=\"984\" data-end=\"1016\">Unified Payment System (UPS)<\/strong> already aligns with approximately <strong data-start=\"1051\" data-end=\"1123\">65% of the published Sovereign Infrastructure technical requirements<\/strong>.<\/span><\/p><p data-start=\"1126\" data-end=\"1309\"><span style=\"color: #000000;\">This assessment provides a high-level comparison between the <strong data-start=\"1187\" data-end=\"1263\">Bank of England Retail Payments Infrastructure Board (RPIB) requirements<\/strong> and the <strong data-start=\"1272\" data-end=\"1309\">capabilities of the UPS platform.<\/strong><\/span><\/p><h2><span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">Key Highlights<\/span><\/span><\/h2><ul><li data-section-id=\"1esr73l\" data-start=\"1329\" data-end=\"1388\"><p data-start=\"1331\" data-end=\"1388\"><span style=\"color: #000000;\">Overview of the RPIB sovereign infrastructure framework<\/span><\/p><\/li><li data-section-id=\"8xddau\" data-start=\"1389\" data-end=\"1439\"><p data-start=\"1391\" data-end=\"1439\"><span style=\"color: #000000;\">Capability comparison against the UPS platform<\/span><\/p><\/li><li data-section-id=\"8bgwrd\" data-start=\"1440\" data-end=\"1507\"><p data-start=\"1442\" data-end=\"1507\"><span style=\"color: #000000;\">Identification of capability gaps and development opportunities<\/span><\/p><\/li><li data-section-id=\"y6q6zu\" data-start=\"1508\" data-end=\"1585\"><p data-start=\"1510\" data-end=\"1585\"><span style=\"color: #000000;\">Insights into how an existing platform could accelerate prototype timelines<\/span><\/p><\/li><\/ul><div class=\"e-con-inner\"><div class=\"elementor-element elementor-element-ea26e05 elementor-widget elementor-widget-button\" data-id=\"ea26e05\" data-element_type=\"widget\" data-widget_type=\"button.default\"><a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.trusek.com\/filedownloads\/file-download-1321.php\" target=\"_BLANK\"><br \/><span class=\"elementor-button-content-wrapper\"><br \/><span class=\"elementor-button-text\">Download Here<\/span><br \/><\/span><br \/><\/a><\/div><\/div><h2><span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">What you will learn<\/span><\/span><\/h2><div><h3 data-section-id=\"5tqgw0\" data-start=\"1774\" data-end=\"1804\"><span style=\"color: #000000;\">RPIB Requirements Overview<\/span><\/h3><p data-start=\"1805\" data-end=\"1980\"><span style=\"color: #000000;\">A concise overview of the <strong data-start=\"1831\" data-end=\"1935\">Bank of England Retail Payments Infrastructure Board objectives and published technical requirements<\/strong> for sovereign retail payment infrastructure.<\/span><\/p><\/div><h3 data-section-id=\"1j7fn3q\" data-start=\"1982\" data-end=\"2011\"><span style=\"color: #000000;\">UPS Capability Assessment<\/span><\/h3><p data-start=\"2012\" data-end=\"2134\"><span style=\"color: #000000;\">A high-level comparison between the <strong data-start=\"2048\" data-end=\"2079\">UPS platform\u2019s capabilities<\/strong> and the requirements identified by the RPIB framework.<\/span><\/p><h3 data-section-id=\"60ksmw\" data-start=\"2136\" data-end=\"2166\"><span style=\"color: #000000;\">Implementation Perspective<\/span><\/h3><p data-start=\"2167\" data-end=\"2304\"><span style=\"color: #000000;\">An exploration of how <strong data-start=\"2189\" data-end=\"2227\">existing deployable infrastructure<\/strong> could contribute to prototype development and accelerate delivery timelines.<\/span><\/p><h2><span style=\"text-decoration: underline;\"><span style=\"color: #000000; text-decoration: underline;\">Capability Snapshot<\/span><\/span><\/h2><p data-start=\"2383\" data-end=\"2511\"><span style=\"color: #000000;\">The report includes a high-level assessment of how the <a href=\"https:\/\/www.trusek.com\/home\/solutions\/unified-payment-system\/\">UPS platform<\/a> aligns with several key payment infrastructure capabilities.<\/span><\/p><h3 data-section-id=\"q8qll5\" data-start=\"2513\" data-end=\"2542\"><span style=\"color: #000000;\">Capability Areas Reviewed<\/span><\/h3><div class=\"TyagGW_tableContainer\"><div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\"><table class=\"w-fit min-w-(--thread-content-width)\" style=\"height: 244px;\" width=\"489\" data-start=\"2544\" data-end=\"2861\"><thead data-start=\"2544\" data-end=\"2578\"><tr data-start=\"2544\" data-end=\"2578\"><th class=\"\" data-start=\"2544\" data-end=\"2557\" data-col-size=\"sm\"><span style=\"text-decoration: underline;\"><strong><span style=\"color: #000000; text-decoration: underline;\">Capability<\/span><\/strong><\/span><\/th><th class=\"\" data-start=\"2557\" data-end=\"2578\" data-col-size=\"sm\"><span style=\"text-decoration: underline;\"><strong><span style=\"color: #000000; text-decoration: underline;\">Current Alignment<\/span><\/strong><\/span><\/th><\/tr><\/thead><tbody data-start=\"2614\" data-end=\"2861\"><tr data-start=\"2614\" data-end=\"2650\"><td data-start=\"2614\" data-end=\"2640\" data-col-size=\"sm\"><span style=\"color: #000000;\">Account-to-Account Core<\/span><\/td><td style=\"text-align: center;\" data-start=\"2640\" data-end=\"2650\" data-col-size=\"sm\"><span style=\"color: #000000;\">Strong<\/span><\/td><\/tr><tr data-start=\"2651\" data-end=\"2684\"><td data-start=\"2651\" data-end=\"2674\" data-col-size=\"sm\"><span style=\"color: #000000;\">Real-Time Settlement<\/span><\/td><td style=\"text-align: center;\" data-start=\"2674\" data-end=\"2684\" data-col-size=\"sm\"><span style=\"color: #000000;\">Strong<\/span><\/td><\/tr><tr data-start=\"2685\" data-end=\"2720\"><td data-start=\"2685\" data-end=\"2710\" data-col-size=\"sm\"><span style=\"color: #000000;\">API-First Architecture<\/span><\/td><td style=\"text-align: center;\" data-start=\"2710\" data-end=\"2720\" data-col-size=\"sm\"><span style=\"color: #000000;\">Strong<\/span><\/td><\/tr><tr data-start=\"2721\" data-end=\"2759\"><td data-start=\"2721\" data-end=\"2749\" data-col-size=\"sm\"><span style=\"color: #000000;\">Node-Based Infrastructure<\/span><\/td><td style=\"text-align: center;\" data-col-size=\"sm\" data-start=\"2749\" data-end=\"2759\"><span style=\"color: #000000;\">Strong<\/span><\/td><\/tr><tr data-start=\"2760\" data-end=\"2788\"><td data-start=\"2760\" data-end=\"2780\" data-col-size=\"sm\"><span style=\"color: #000000;\">Compliance Engine<\/span><\/td><td style=\"text-align: center;\" data-start=\"2780\" data-end=\"2788\" data-col-size=\"sm\"><span style=\"color: #000000;\">Good<\/span><\/td><\/tr><tr data-start=\"2789\" data-end=\"2827\"><td data-start=\"2789\" data-end=\"2819\" data-col-size=\"sm\"><span style=\"color: #000000;\">FX \/ Multi-Currency Support<\/span><\/td><td style=\"text-align: center;\" data-start=\"2819\" data-end=\"2827\" data-col-size=\"sm\"><span style=\"color: #000000;\">Good<\/span><\/td><\/tr><tr data-start=\"2828\" data-end=\"2861\"><td data-start=\"2828\" data-end=\"2844\" data-col-size=\"sm\"><span style=\"color: #000000;\">Data Security<\/span><\/td><td style=\"text-align: center;\" data-start=\"2844\" data-end=\"2861\" data-col-size=\"sm\"><span style=\"color: #000000;\">Good baseline<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div><p data-start=\"2863\" data-end=\"3009\"><span style=\"color: #000000;\">The full report also highlights <strong data-start=\"2895\" data-end=\"2954\">capability areas that would require further development<\/strong> to fully meet sovereign infrastructure specifications.<\/span><\/p><div class=\"e-con-inner\"><div class=\"elementor-element elementor-element-ea26e05 elementor-widget elementor-widget-button\" data-id=\"ea26e05\" data-element_type=\"widget\" data-widget_type=\"button.default\"><a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.trusek.com\/filedownloads\/file-download-1321.php\" target=\"_BLANK\"><br \/><span class=\"elementor-button-content-wrapper\"><br \/><span class=\"elementor-button-text\">Download Here<\/span><br \/><\/span><br \/><\/a><\/div><\/div><h3><a name=\"_Toc223949236\"><\/a><span style=\"color: #000000;\"><strong><u>Published Information Sources<\/u><\/strong><\/span><\/h3><p><span style=\"color: #000000;\">To enable us to acquire the baseline of the Future Retail Payments infrastructure Requirements following published requirements were reviewed and summarised:<\/span><\/p><p><span style=\"color: #000000;\"><strong>GOV.UK (HMT Strategy):<\/strong> link<\/span> <a href=\"assets.publishing.service.gov.uk\/media\/690de7a247ad122f854627bf\/PVDC_Strategy.pdf\">here<\/a><\/p><p><span style=\"color: #000000;\"><strong>Bank of England (NPV Overview):<\/strong> link<\/span> <a href=\"bankofengland.co.uk\/payment-and-settlement\/the-national-payments-vision\">here<\/a><\/p><p><span style=\"color: #000000;\"><strong>UK Finance (DeliveryCo EOI):<\/strong> link<\/span> <a href=\"ukfinance.org.uk\/system\/files\/2025-11\/Expression%20of%20Interest%20for%20initial%20funders%20of%20DeliveryCo%20Nov%2025.pdf\">here<\/a><\/p><h3><span style=\"color: #000000;\"><strong><u>Have a Question or want more information?<\/u><\/strong><\/span><\/h3><p><span style=\"color: #000000;\">For more information, please contact us. You can reach us by email at\u00a0<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"mailto:hello@trusek.com\">hello@trusek.com<\/a><\/span>\u00a0or my phone by <span style=\"color: #0000ff;\">calling +44 (0) 207 048 0470<\/span> or by clicking the<span style=\"color: #0000ff;\">\u00a0<a style=\"color: #0000ff;\" href=\"https:\/\/www.trusek.com\/home\/solutions\/unified-payment-system\/?page_id=1845\"><strong>Get in Touch<\/strong><\/a><\/span>\u00a0or\u00a0<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.trusek.com\/home\/solutions\/unified-payment-system\/?page_id=1845\"><strong>Contact Us<\/strong><\/a>\u00a0<a style=\"color: #0000ff;\" href=\"https:\/\/www.trusek.com\/home\/solutions\/unified-payment-system\/?page_id=1845\"><strong>links\u00a0<\/strong><\/a><\/span>and\u00a0<strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.trusek.com\/home\/solutions\/unified-payment-system\/?page_id=1845\">buttons<\/a><\/span>\u00a0<\/strong>on the website.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Imagining what a Sovereign Payment Platform could look like RPIB Requirements vs Trusek\u2019s UPS Platform Capability Download our comparative assessment exploring how [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4269,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[142,144,145,139,140,143,141,138],"class_list":["post-4264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trusek","tag-centralbankinnovation","tag-financialinfrastructure","tag-futureofpayments","tag-independentpaymentrail","tag-nationalpaymentsinfrastructure","tag-paymentsmodernisation","tag-retailpayments","tag-sovereignpayments"],"_links":{"self":[{"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/posts\/4264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/comments?post=4264"}],"version-history":[{"count":11,"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/posts\/4264\/revisions"}],"predecessor-version":[{"id":4279,"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/posts\/4264\/revisions\/4279"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/media\/4269"}],"wp:attachment":[{"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/media?parent=4264"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/categories?post=4264"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.trusek.com\/home\/wp-json\/wp\/v2\/tags?post=4264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}