OEM & telematics

Automotive

Turn every journey into a connected commercial experience.

Financial infrastructure embedded into head units, telematics platforms and on-board units, so a vehicle can transact for tolling, parking, charging and fuel without the driver initiating a payment.

  • Vehicle identity
  • Vehicle wallets
  • Tolling
  • Plug & Charge
  • Fuel
  • Fleet spend rules
  • Road-user charging
Connected vehicle stack

What the infrastructure does in automotive

Each capability draws on the same identity, transaction and settlement layers. The sector determines the pricing rule and who is owed.

  • Vehicle identity

    Hardware-anchored VIN and OBU key pairs establishing verifiable trust on the network.

  • Vehicle wallet

    A pre-funded or account-linked wallet governing autonomous payments per vehicle.

  • Tolling & parking

    Gate passage through geofenced telematics and FASTag integration.

  • EV charging

    ISO 15118 Plug & Charge authorisation at the charger.

  • Fuel

    Forecourt authorisation tied to the vehicle rather than a card in the cabin.

  • Insurance

    Usage and behaviour data available to underwriting and claims workflows.

  • Fleet transactions

    Per-vehicle spend rules, limits and reporting for commercial operators.

  • Road-user charging

    Distance and corridor-based charging models settled per journey.

Platform layers used

Which parts of the stack this sector leans on

Most sectors use three or four of the six layers. The rest are there when the scope grows.

Driver-free transaction

A single journey, two purchases, no payment interaction

  • A multi-level highway interchange photographed from the air
    Step 01

    Vehicle authenticates

    The on-board unit presents its credential as the vehicle approaches the plaza.

  • A multi-lane highway toll plaza under a wide canopy
    Step 02

    Toll applied

    The applicable rate is resolved for the vehicle class and corridor, and charged to the vehicle wallet.

  • An electric vehicle charging station lit at night under a canopy
    Step 03

    Charging session

    At the charger, the same identity authorises the session; energy consumed determines the amount.

  • A wall of diagnostic monitors and gauges in a control room
    Step 04

    Settlement

    Each amount is split to the concessionaire, charge point operator and levies owed.

Financial infrastructure native to the connected vehicle.

The shift in Automotive

Other sectors

Building for automotive?

Tell us the interaction you need to price and settle, and we will show you the shortest path through the stack.

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