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Success story · Application automation & integration · Project in progress
Colombia's main interbank payments operator enables instant, alias-based transfers
Redsis is supporting the rollout of IBM Cloud Pak for Integration (API Connect, DataPower, App Connect Enterprise and MQ) so participating banks can exchange payments in real time using keys and aliases, with the security that financial market infrastructure demands.
Client
Colombia's main interbank electronic payments operator (ACH)
Industry
Payments infrastructure · Financial services
Location
Colombia
Solution
IBM Cloud Pak for Integration
Service line
Automation & integration
Status
Project in progress
The client
The client is Colombia's main interbank electronic payments operator, an automated clearing house (ACH) founded by the country's financial institutions. Its infrastructure connects banks, digital wallets and merchants to move money between accounts securely: transfers, direct debits, online payments and payroll disbursements.
Colombia's payments market is going through a deep transformation. Since October 2025, the central bank (Banco de la República) has operated Bre-B, the country's interoperable instant payment system, which runs 24/7 and lets people send money using keys (a mobile number, email address or ID number) instead of account numbers. In that environment, private low-value payment operators must offer services that are instant, always available and fully reliable.
The challenge
The goal is to enable instant interbank payments among participating banks, with the security expected of financial market infrastructure. That means every transfer must be validated, routed, cleared and confirmed within seconds, without losing a single message.
- Real time: clearing flows must be orchestrated reliably, around the clock.
- Controlled exposure: every participating bank needs to consume services through secure, governed APIs.
- Alias management: the key and alias domain must be managed under industry security guidelines.
- Interoperability: the solution must integrate with systems and banks running different technologies.
Requirement and approach
The requirement
Instant payments between banks
Real-time, alias-based transfers across multiple institutions, with financial-grade security and continuous availability.
The approach
IBM Cloud Pak for Integration
A unified integration platform combining API management, gateway security, application integration and guaranteed messaging.
The solution
Redsis is working with the operator to implement IBM Cloud Pak for Integration, IBM's integration platform that brings together, in one container-native experience built for hybrid environments, the integration capabilities a real-time payments operation requires.
Each component plays a precise role in the architecture: exposing services to banks, protecting the perimeter, orchestrating flow logic and ensuring that no message is lost or processed twice.
Platform components
- IBM API Connect: creating, securing, managing and publishing the APIs participating banks consume.
- IBM DataPower Gateway: end-to-end security and encryption at the transaction entry point.
- IBM App Connect Enterprise: integration and orchestration of flows between systems.
- IBM MQ: messaging with guaranteed, once-only delivery to preserve the integrity of every transaction.
What the project enables
The project is in progress. These are the three pillars the architecture is designed to deliver:
Secure APIs
Controlled API exposure for participating banks.
Real time
Reliable orchestration of clearing flows.
Alias management
Key and alias domain managed under industry security guidelines.
- Instant payments
- Bank interoperability
- Compliance and security
- Project in progress
Why Redsis
With more than 25 years delivering infrastructure and software to Latin American banks, and as an IBM Platinum Partner, Redsis pairs mission-critical platform expertise with an automation and integration portfolio that includes IBM Cloud Pak for Integration and Fortra solutions. We cover the full cycle: architecture, implementation, performance and security testing, go-live and support.
Is your institution ready for instant payments?
Let's talk about exposing secure APIs and orchestrating real-time transactions without putting operations at risk.