Run two businesses on one engine.
A bank sits on both sides of the mandate: it must keep its own outbound pacs.008 traffic compliant at the network boundary (a PSP obligation), and it can sell address quality to the corporate clients EPC §3.2 forbids it from fixing automatically. ioNova ARS runs both on one engine — an In-Flight correction gate on the wire, and a white-label Address-Quality service for clients — as a sidecar with no core replacement.
What You Can Do
From Sandbox to Live
The sidecar binds each flow to its own Channel Profile (e.g. SCT_OUT, CBPR_OUT, FEDWIRE_OUT), so you enable the gate per corridor, run it in shadow mode first, and expand at your own pace. Your payments engineering wires the gate (Volante VolPay, Finastra FusionFabric, SWIFT Alliance, IBM MQ) while ioNova tunes on ~10,000 representative addresses from real traffic. Scheme upgrades (SR2025 → SR2026 → SR2027) ship as configuration, not redeployment.
Why It Pays Off
Frequently asked questions
Can a bank correct a payment address in transit?
Yes — for its own outbound legs and inbound repair at its liability boundary; but under EPC §3.2 it must pass counterparty addresses through unchanged, which is why client-side fixes are offered as a service.
Can we enforce corridor by corridor?
Yes — each flow binds to its own Channel Profile, so you enable the gate per corridor and run shadow mode before enforcing.
Does it require a core banking replacement?
No — ioNova ARS deploys as a sidecar with circuit-breaker fallback, via connectors for Volante, Finastra, SWIFT Alliance and IBM MQ.
How does a bank monetise this?
By reselling hosted Address-Quality correction to corporate clients whose data it cannot silently fix.
Are returns and recalls protected?
Yes — R-transactions are detected and passed through untouched per EPC §8.3.
How do scheme upgrades work?
SR2025 → SR2026 → SR2027 ship as configuration, not redeployment, with the regulatory burden carried by ioNova.
Live in weeks — before 14 November 2026.
First sandbox call in minutes, first channel live in days. Early Adopter terms end 31 July 2026.