Rail capability

Target2

Target2 connectivity points to large-value euro settlement and infrastructure-grade payment handling beyond lightweight front-end payment initiation alone.

Connected delivery. Start with the modules needed for launch, then extend into additional rails, channels, products, and servicing workflows on the same operating foundation.
Target2SettlementInfrastructureBank stackPayments

Operating scope

Core banking, payments, channels, and servicing in one platform.

BankingLab connects launch-ready modules with the operational layers teams need to run and expand regulated financial products.

EUR 67B+ processed across BankingLab during 2025
14 years of operating and delivery history
13+ fintechs and banks using BankingLab Core

Overview

Overview

Target2 appears in bank-oriented and infrastructure-heavy payment environments where large-value euro settlement has to sit alongside customer-facing rails such as SEPA.

It supports higher-value settlement and infrastructure-led payment operations alongside SEPA and broader rail coverage.

In scope

Included in this capability

  • Add infrastructure-level payment coverage beyond customer-facing transfer initiation.
  • Strengthen bank and broader institutional payment positioning.
  • Complement SWIFT and SEPA in a more complete rail story.
  • Support payment breadth, treasury movement, and infrastructure-led settlement readiness.

Operating fit

Operating highlights

Operating point

Most relevant for broader bank stacks and advanced payment environments.

Operating point

Improves the perceived maturity of payment infrastructure coverage.

Operating point

Pairs well with SWIFT, deposits, and lending-led institutional models.

Related services

Related pages

Related page

SWIFT

See how messaging coverage and infrastructure connectivity complement each other.

Open page

Related page

Payments

Move back to the full multi-rail payments proposition.

Open page

Related page

Core banking platform

Explore the bank stack where Target2 coverage is already part of the story.

Open page

Capability map

Adjacent capabilities

Next step

Discuss the module mix, launch sequence, and service support for your rollout.

BankingLab combines modular software with white-label service coverage, so the right answer is rarely one feature alone. Start with launch-critical scope, then expand into adjacent rails, channels, products, or servicing capabilities as the proposition grows.