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

# OpenPayd

> IBAN issuing & payments routed via OpenPayd through Finhost.

## Overview

OpenPayd is used by Finhost to provide **IBANs and payments**. You only call unified **Client API** endpoints; Finhost selects OpenPayd as the provider.

## Capabilities (typical)

* EUR/GBP **IBAN issuing** (virtual/dedicated per configuration)
* **SEPA / SWIFT** payments; **Faster Payments** where enabled
* Incoming/outgoing transfers & beneficiary management
* Statements and balance retrieval
* FX conversion (where configured)

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