Fabrick is an Italian company on a mission to improve how finance works. Its platform combines modular payments and Open Finance services and solutions, that can be easily embedded into businesses’ products and value chains. This enables both the co-creation of new business models and innovative services, and the automation and simplification of financial processes, delivering the concrete advantages of innovation to the end customer, whether consumer or business.
That mission required infrastructure to match: a platform scalable enough to serve hundreds of partners and thousands of banks across Europe, without locking into a single cloud provider or bolting security on as an afterthought.
The challenge: native security at cloud scale
Fabrick needed a highly scalable platform deployable across multiple cloud providers, equipped with a unified control and exposure layer for its APIs. Security, authentication, authorization, and end-to-end call tracing had to be native properties of every interaction, not capabilities added after the fact. The platform had to work the same way on a private cloud, a public cloud, or on-premises, because Fabrick’s clients expect to consume it in the form that fits their own infrastructure.
The solution: four layers, one fabric
Fabrick built a cloud-agnostic platform that intermediates every API call through four core layers: an API Gateway for exposure and traffic mediation, an API Security layer with policy enforcement, an Observability stack covering logs, metrics, and traces, and an Identity Management system handling authentication and authorization across all participants.
This architecture runs on the Axway Amplify Platform. It gives Fabrick a single control plane that works consistently across private and public cloud environments, and the result is an interoperable backbone on which Fabrick has built its Open Banking and PSD2 services, payment products, and distributed payment reconciliation capabilities, all running on the same control, security, and observability fabric.
Performance built into the architecture
The platform now connects more than 600 partners and over 1,700 European banks. It processes an average of 1,000 transactions per second with just 10 milliseconds of overhead per transaction, while maintaining a 99.96% service level. Those numbers reflect the architectural choices behind the platform: security and observability built in from the start, not layered on top, so that scale does not come at the cost of governance or visibility.
The Digital Euro
The maturity Fabrick has reached on the platform now positions the company also as a contributor to the Digital Euro program, both towards European banks and towards consumers. In fact, Almaviva and Fabrick have been selected as the first-ranked tenderer by the European Central Bank (ECB) to develop the mobile app that will facilitate European citizens to use the digital euro. The framework agreement scope also includes the development of a dedicated software development kit and interfaces, offering European payment service providers the ability to smoothly integrate their services with the digital euro platform.
It is a natural extension of the same infrastructure: the same API mediation, security enforcement, and multi-cloud flexibility that already serves Fabrick’s Open Banking ecosystem.
Fabrick delivers its platform in the form each client prefers: on-premises, on private cloud, or consumed as-a-Service. Flexibility is central to what Fabrick offers: financial institutions can adopt Open Finance capabilities without rearchitecting their own environments.
For Fabrick, the Axway Amplify Platform provides the foundation for API exposure and traffic mediation at the core of this architecture. The security policies, the observability stack, the identity layer: these are Fabrick’s own design, built to serve a financial ecosystem that now spans a continent.
Axway Amplify Platform helps organizations build and scale secure API infrastructure across environments.
Disclaimer
Fabrick is a service provider supporting the European Central Bank (ECB) in the development of certain digital euro components and related services. The views expressed in this article do not represent the views, policies, or positions of the European Central Bank or the Eurosystem.