> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finventi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Connectivity and Participation

> How the platform reaches each clearing and settlement system, who holds the participation, and what Inventi operates on your behalf.

# One Platform, Every Euro Rail

The platform connects you to the European clearing and settlement systems through one API, one dashboard and one webhook model. This page lists, per rail, how the connection is made, who is the participant, and what Inventi operates on your behalf. Use it for due diligence and onboarding planning.

## Rails and roles

| Rail                         | Operator                                                | Your role                                                                | Inventi's role                                                                                                                                                 | Schemes                                                    |
| ---------------------------- | ------------------------------------------------------- | ------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------- |
| CENTROlink                   | Bank of Lithuania                                       | Participant, or addressable BIC under a participant                      | Technical service provider: connectivity, message handling, signing, monitoring                                                                                | SEPA Credit Transfer, SEPA Instant, SEPA Direct Debit Core |
| EKS                          | Latvijas Banka                                          | Participant                                                              | Technical service provider: connectivity, message handling, monitoring                                                                                         | SEPA Credit Transfer, SEPA Instant                         |
| TARGET Services: T2 and TIPS | Eurosystem, accounts held at your national central bank | Direct participant with your own RTGS and TIPS accounts                  | ESMIG connectivity with SWIFT as the licensed network service provider, certification testing, message handling                                                | T2 RTGS payments, TIPS instant payments                    |
| SWIFT                        | SWIFT                                                   | Payments exchanged under your BIC through Inventi's SWIFT infrastructure | SWIFT Business Connect partner: operates the SWIFT connectivity, messaging and gpi tracking - see [SWIFT Payments](/payments/integration-guide/swift/overview) | Cross-border payments in any currency                      |

Message-level detail (ISO 20022 and MT message types per rail) is documented in each rail's integration guide.

## What is shared across rails

* **One integration.** The same payment APIs, statuses and [webhooks](/payments/integration-guide/webhooks-management) for every rail; the rail shows up as the payment's `scheme`.
* **ISO 20022 throughout.** Message building, versions and scheme rulebook changes are handled by the platform; you never assemble XML.
* **Calendars.** Settlement follows the TARGET calendar for SEPA Credit Transfer, Direct Debit and T2; instant payments settle 24/7/365.
* **Environments.** Every rail has a TEST environment connected to the operator's test system - see [Onboarding and testing](/payments/onboarding-and-testing).
* **Verification of Payee** is available as a separate product for all outgoing SEPA payments - see the VoP section.

## Who signs what

* **Participation and accounts** - an agreement between you and the system operator: Bank of Lithuania for CENTROlink, Latvijas Banka for EKS, your national central bank for TARGET accounts. Inventi does not hold your funds.
* **Scheme adherence** - EPC adherence for the SEPA schemes is in your name; Inventi prepares and supports the adherence package during onboarding.
* **Technical service** - the agreement with Inventi covers connectivity, message handling, monitoring and support for the rails you enable.