# TrueLayer

> Europe's leading open banking platform

- **Canonical URI:** https://www.vioscale.ai/software/truelayer
- **Category:** Fintech Infrastructure
- **Homepage:** https://truelayer.com
- **Also known as:** truelayer
- **Profile claimed by vendor:** no
- **Last updated:** 2026-08-03T11:59:57.715Z

## Vioscale score

**66.6 / 100**, confidence 35% (low).

Composite of weighted, independently-sourced signals (no user reviews, no vendor payment).

| Signal | Score | Weight | Contribution | Evidence present |
|---|--:|--:|--:|:--:|
| price_level | 0 | 8 | 0 | - |
| reliability | 50 | 16 | 800 | ✓ |
| capabilities | 67.1 | 20 | 1342.4 | ✓ |
| integrations | 0 | 14 | 0 | - |
| security_posture | 75 | 30 | 2250 | ✓ |
| pricing_transparency | 0 | 12 | 0 | - |

## About

Open banking platform enabling Pay by Bank transactions, replacing card-based payments with instant, secure bank-to-bank transfers. Processes 47% of all Pay by Bank transactions in Europe with 24M+ active consumers and $116B annualized payment volume.

_Independently observed._

## Platform & deployment

- **Platforms:** Web
- **Deployment:** Cloud / SaaS

## Capabilities

_The capabilities that matter for Fintech Infrastructure. "-" = undocumented, not absent._

| Capability | Supported |
|---|:--:|
| **Core** | |
| Primary capability | Payments/acquiring |
| **Capabilities** | |
| Payments / acquiring | ✓ |
| Card issuing | ✗ |
| Banking-as-a-service / accounts | ✗ |
| Data aggregation / open banking | ✓ |
| Payouts / disbursements | ✓ |
| Money movement rails (ACH, RTP, wire, card) | Bank transfers (ACH/domestic and cross-border) |
| **Coverage** | |
| Multi-currency / cross-border | - |
| Geographic coverage (countries / regions) | Europe (UK, EU, Ireland, Italy, France, Spain, Germany) |
| **Compliance** | |
| PCI DSS Level 1 | - |
| SOC 1 / SOC 2 attestation | SOC 2 (Type II) |
| PSD2 / Open Banking licensed | ✓ |
| **Developer** | |
| SDK language coverage (Node, Python, Ruby, Java, Go) | - |
| **Pricing** | |
| Pricing model | - |
| **Market** | |
| Target segment | Enterprise |

## Facts

Every value below carries its source and our confidence. Facts are re-crawled on a freshness schedule.

### pricing

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| pricing.model | commercial | [link](https://truelayer.com) | 2026-08-03 | 60% (medium) |

### reliability

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| reliability.status_page | yes | [link](https://status.truelayer.com) | 2026-08-03 | 60% (medium) |

### security

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| security.disclosure_policy | yes | [link](https://truelayer.com/.well-known/security.txt) | 2026-08-03 | 60% (medium) |
| security.gdpr | yes | [link](https://trust.truelayer.com) | 2026-08-03 | 75% (high) |
| security.iso27001 | yes | [link](https://trust.truelayer.com) | 2026-08-03 | 75% (high) |
| security.soc2 | yes | [link](https://trust.truelayer.com) | 2026-08-03 | 75% (high) |

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*Source: Vioscale (https://www.vioscale.ai/software/truelayer). Independent, evidence-based software intelligence. Cite the canonical URI.*