{ "id": "fca-supplementary-safeguarding-regime", "title": "FCA Supplementary Safeguarding Regime", "description": "Primary-source radar mapping the FCA Supplementary Safeguarding Regime — CASS 15, CASS 10A, SUP 3A and SUP 16.14A — against the prior CASS regime, named enforcement cases since 2018, and the UK PI/EMI vendor universe under buyer due-diligence framing.", "layout": "cose-radar", "lastReviewed": "2026-05-10", "evidenceCutoff": "2026-05-10", "nodes": [ { "id": "reg-fca", "label": "Financial Conduct Authority", "type": "regulator", "subtype": "public authority or primary public-source body", "summary": "Financial Conduct Authority is a public authority or public-source body associated with the regime evidence.", "description": "Financial Conduct Authority: Primary UK conduct regulator for PS25/12, CASS and SUP.", "url": "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms", "evidence": [ "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulator", "financial", "conduct", "authority" ], "isFinrayProduct": false, "coiNote": null, "watching": "Primary UK conduct regulator for PS25/12, CASS and SUP." }, { "id": "reg-hmt", "label": "HM Treasury", "type": "regulator", "subtype": "public authority or primary public-source body", "summary": "HM Treasury is a public authority or public-source body associated with the regime evidence.", "description": "HM Treasury: Policy owner for PSRs/EMRs review and repeal path.", "url": "https://www.gov.uk/government/calls-for-evidence/payment-services-regulations-review-and-call-for-evidence", "evidence": [ "https://www.gov.uk/government/calls-for-evidence/payment-services-regulations-review-and-call-for-evidence, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulator", "hm", "treasury" ], "isFinrayProduct": false, "coiNote": null, "watching": "Policy owner for PSRs/EMRs review and repeal path." }, { "id": "reg-pra", "label": "Prudential Regulation Authority", "type": "regulator", "subtype": "public authority or primary public-source body", "summary": "Prudential Regulation Authority is a public authority or public-source body associated with the regime evidence.", "description": "Prudential Regulation Authority: Dual-regulated credit institution overlap.", "url": "https://www.bankofengland.co.uk/prudential-regulation/publication/2021/march/outsourcing-and-third-party-risk-management-ss", "evidence": [ "https://www.bankofengland.co.uk/prudential-regulation/publication/2021/march/outsourcing-and-third-party-risk-management-ss, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulator", "prudential", "regulation", "authority" ], "isFinrayProduct": false, "coiNote": null, "watching": "Dual-regulated credit institution overlap." }, { "id": "reg-boe", "label": "Bank of England", "type": "regulator", "subtype": "public authority or primary public-source body", "summary": "Bank of England is a public authority or public-source body associated with the regime evidence.", "description": "Bank of England: Settlement/resolution/RTGS context and PRA materials.", "url": "https://www.bankofengland.co.uk/prudential-regulation/publication/2021/march/outsourcing-and-third-party-risk-management-ss", "evidence": [ "https://www.bankofengland.co.uk/prudential-regulation/publication/2021/march/outsourcing-and-third-party-risk-management-ss, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulator", "bank", "of", "england" ], "isFinrayProduct": false, "coiNote": null, "watching": "Settlement/resolution/RTGS context and PRA materials." }, { "id": "reg-eba", "label": "European Banking Authority", "type": "regulator", "subtype": "public authority or primary public-source body", "summary": "European Banking Authority is a public authority or public-source body associated with the regime evidence.", "description": "European Banking Authority: EU PSD2/EMD2 cross-reference and Q&A.", "url": "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7165", "evidence": [ "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7165, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulator", "european", "banking", "authority" ], "isFinrayProduct": false, "coiNote": null, "watching": "EU PSD2/EMD2 cross-reference and Q&A." }, { "id": "reg-frc", "label": "Financial Reporting Council", "type": "regulator", "subtype": "public authority or primary public-source body", "summary": "Financial Reporting Council is a public authority or public-source body associated with the regime evidence.", "description": "Financial Reporting Council: Auditor independence/ethical standard context.", "url": "https://www.frc.org.uk/library/standards-codes-policy/audit-assurance-and-ethics/auditors-ethical-standard/", "evidence": [ "https://www.frc.org.uk/library/standards-codes-policy/audit-assurance-and-ethics/auditors-ethical-standard/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulator", "financial", "reporting", "council" ], "isFinrayProduct": false, "coiNote": null, "watching": "Auditor independence/ethical standard context." }, { "id": "reg-courts", "label": "Courts of England and Wales", "type": "regulator", "subtype": "public authority or primary public-source body", "summary": "Courts of England and Wales is a public authority or public-source body associated with the regime evidence.", "description": "Courts of England and Wales: Insolvency/court materials affecting safeguarding legal analysis.", "url": "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulator", "courts", "of", "england", "and" ], "isFinrayProduct": false, "coiNote": null, "watching": "Insolvency/court materials affecting safeguarding legal analysis." }, { "id": "reg-gazette", "label": "The Gazette", "type": "regulator", "subtype": "public authority or primary public-source body", "summary": "The Gazette is a public authority or public-source body associated with the regime evidence.", "description": "The Gazette: Statutory insolvency notice source.", "url": "https://www.thegazette.co.uk/notice/3499762", "evidence": [ "https://www.thegazette.co.uk/notice/3499762, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulator", "the", "gazette" ], "isFinrayProduct": false, "coiNote": null, "watching": "Statutory insolvency notice source." }, { "id": "doc-ps25", "label": "FCA PS25/12", "type": "regulation", "subtype": "regulatory anchor", "summary": "FCA PS25/12 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "FCA PS25/12: Final policy statement and rule changes.", "url": "https://www.fca.org.uk/publication/policy/ps25-12.pdf", "evidence": [ "https://www.fca.org.uk/publication/policy/ps25-12.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "fca", "ps25", "12" ], "isFinrayProduct": false, "coiNote": null, "watching": "Final policy statement and rule changes." }, { "id": "doc-cp24", "label": "FCA CP24/20", "type": "regulation", "subtype": "regulatory anchor", "summary": "FCA CP24/20 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "FCA CP24/20: Consultation trail.", "url": "https://www.fca.org.uk/publication/consultation/cp24-20.pdf", "evidence": [ "https://www.fca.org.uk/publication/consultation/cp24-20.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "fca", "cp24", "20" ], "isFinrayProduct": false, "coiNote": null, "watching": "Consultation trail." }, { "id": "doc-instr", "label": "FCA 2025/38 Instrument", "type": "regulation", "subtype": "regulatory anchor", "summary": "FCA 2025/38 Instrument is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "FCA 2025/38 Instrument: Made Handbook amendments.", "url": "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "fca", "2025", "38", "instrument" ], "isFinrayProduct": false, "coiNote": null, "watching": "Made Handbook amendments." }, { "id": "doc-approach", "label": "FCA Approach Document May 2026 draft", "type": "standard", "subtype": "supervisory standard or guidance", "summary": "FCA Approach Document May 2026 draft is a supervisory or guidance source used to interpret the safeguarding regime.", "description": "FCA Approach Document May 2026 draft: Firm-facing guidance amendments.", "url": "https://www.fca.org.uk/publication/finalised-guidance/fca-approach-payment-services-electronic-money-2017-may-2026-draft.pdf", "evidence": [ "https://www.fca.org.uk/publication/finalised-guidance/fca-approach-payment-services-electronic-money-2017-may-2026-draft.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "standard", "fca", "approach", "document", "may" ], "isFinrayProduct": false, "coiNote": null, "watching": "Firm-facing guidance amendments." }, { "id": "doc-hmt-review", "label": "HMT PSR review", "type": "regulation", "subtype": "regulatory reference", "summary": "HMT PSR review is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "HMT PSR review: Upstream policy review.", "url": "https://www.gov.uk/government/calls-for-evidence/payment-services-regulations-review-and-call-for-evidence", "evidence": [ "https://www.gov.uk/government/calls-for-evidence/payment-services-regulations-review-and-call-for-evidence, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "hmt", "psr", "review" ], "isFinrayProduct": false, "coiNote": null, "watching": "Upstream policy review." }, { "id": "doc-psr23", "label": "PSRs 2017 regulation 23", "type": "regulation", "subtype": "regulatory anchor", "summary": "PSRs 2017 regulation 23 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "PSRs 2017 regulation 23: Payment-institution statutory safeguarding.", "url": "https://www.legislation.gov.uk/uksi/2017/752/regulation/23", "evidence": [ "https://www.legislation.gov.uk/uksi/2017/752/regulation/23, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "psrs", "2017", "23" ], "isFinrayProduct": false, "coiNote": null, "watching": "Payment-institution statutory safeguarding." }, { "id": "doc-emr20", "label": "EMRs 2011 regulation 20", "type": "regulation", "subtype": "regulatory anchor", "summary": "EMRs 2011 regulation 20 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "EMRs 2011 regulation 20: E-money statutory safeguarding.", "url": "https://www.legislation.gov.uk/uksi/2011/99/regulation/20", "evidence": [ "https://www.legislation.gov.uk/uksi/2011/99/regulation/20, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "emrs", "2011", "20" ], "isFinrayProduct": false, "coiNote": null, "watching": "E-money statutory safeguarding." }, { "id": "doc-pesar", "label": "PESAR 2021", "type": "regulation", "subtype": "regulatory anchor", "summary": "PESAR 2021 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "PESAR 2021: Special administration regime.", "url": "https://www.legislation.gov.uk/uksi/2021/1178/contents", "evidence": [ "https://www.legislation.gov.uk/uksi/2021/1178/contents, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "pesar", "2021" ], "isFinrayProduct": false, "coiNote": null, "watching": "Special administration regime." }, { "id": "doc-cass10a1", "label": "CASS 10A.1", "type": "regulation", "subtype": "FCA Handbook resolution-pack chapter", "summary": "CASS 10A.1 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 10A.1: Resolution-pack application and retrieval.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "10a", "1" ], "isFinrayProduct": false, "coiNote": null, "watching": "Resolution-pack application and retrieval." }, { "id": "doc-cass10a2", "label": "CASS 10A.2", "type": "regulation", "subtype": "FCA Handbook resolution-pack chapter", "summary": "CASS 10A.2 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 10A.2: Resolution-pack core contents.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/2.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/2.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "10a", "2" ], "isFinrayProduct": false, "coiNote": null, "watching": "Resolution-pack core contents." }, { "id": "doc-cass10a3", "label": "CASS 10A.3", "type": "regulation", "subtype": "FCA Handbook resolution-pack chapter", "summary": "CASS 10A.3 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 10A.3: Resolution-pack existing records.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/3.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/3.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "10a", "3" ], "isFinrayProduct": false, "coiNote": null, "watching": "Resolution-pack existing records." }, { "id": "doc-cass151", "label": "CASS 15.1", "type": "regulation", "subtype": "FCA Handbook operational safeguarding chapter", "summary": "CASS 15.1 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 15.1: CASS 15 application.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "15", "1" ], "isFinrayProduct": false, "coiNote": null, "watching": "CASS 15 application." }, { "id": "doc-cass152", "label": "CASS 15.2", "type": "regulation", "subtype": "FCA Handbook operational safeguarding chapter", "summary": "CASS 15.2 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 15.2: General safeguarding.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/2.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/2.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "15", "2" ], "isFinrayProduct": false, "coiNote": null, "watching": "General safeguarding." }, { "id": "doc-cass153", "label": "CASS 15.3", "type": "regulation", "subtype": "FCA Handbook operational safeguarding chapter", "summary": "CASS 15.3 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 15.3: Mixed remittances.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/3.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/3.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "15", "3" ], "isFinrayProduct": false, "coiNote": null, "watching": "Mixed remittances." }, { "id": "doc-cass154", "label": "CASS 15.4", "type": "regulation", "subtype": "FCA Handbook operational safeguarding chapter", "summary": "CASS 15.4 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 15.4: Approved secure liquid assets.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/4.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/4.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "15", "4" ], "isFinrayProduct": false, "coiNote": null, "watching": "Approved secure liquid assets." }, { "id": "doc-cass155", "label": "CASS 15.5", "type": "regulation", "subtype": "FCA Handbook operational safeguarding chapter", "summary": "CASS 15.5 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 15.5: Insurance/guarantee method.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/5.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/5.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "15", "5" ], "isFinrayProduct": false, "coiNote": null, "watching": "Insurance/guarantee method." }, { "id": "doc-cass156", "label": "CASS 15.6", "type": "regulation", "subtype": "FCA Handbook operational safeguarding chapter", "summary": "CASS 15.6 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 15.6: Third-party diligence and diversification.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "15", "6" ], "isFinrayProduct": false, "coiNote": null, "watching": "Third-party diligence and diversification." }, { "id": "doc-cass157", "label": "CASS 15.7", "type": "regulation", "subtype": "FCA Handbook operational safeguarding chapter", "summary": "CASS 15.7 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 15.7: Acknowledgement letters.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/7.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/7.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "15", "7" ], "isFinrayProduct": false, "coiNote": null, "watching": "Acknowledgement letters." }, { "id": "doc-cass158", "label": "CASS 15.8", "type": "regulation", "subtype": "FCA Handbook operational safeguarding chapter", "summary": "CASS 15.8 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "CASS 15.8: Records and reconciliations.", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "cass", "15", "8" ], "isFinrayProduct": false, "coiNote": null, "watching": "Records and reconciliations." }, { "id": "doc-sup3a", "label": "SUP 3A", "type": "regulation", "subtype": "FCA Handbook audit chapter", "summary": "SUP 3A is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "SUP 3A: Safeguarding audit.", "url": "https://www.handbook.fca.org.uk/handbook/SUP/3A/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/3A/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "sup", "3a" ], "isFinrayProduct": false, "coiNote": null, "watching": "Safeguarding audit." }, { "id": "doc-sup16", "label": "SUP 16.14A", "type": "regulation", "subtype": "FCA Handbook reporting chapter", "summary": "SUP 16.14A is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "SUP 16.14A: Monthly safeguarding return.", "url": "https://www.handbook.fca.org.uk/handbook/SUP/16/14A.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/16/14A.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "sup", "16", "14a" ], "isFinrayProduct": false, "coiNote": null, "watching": "Monthly safeguarding return." }, { "id": "doc-perg15", "label": "PERG 15", "type": "regulation", "subtype": "regulatory reference", "summary": "PERG 15 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "PERG 15: Perimeter guidance.", "url": "https://www.handbook.fca.org.uk/handbook/PERG/15.html", "evidence": [ "https://www.handbook.fca.org.uk/handbook/PERG/15.html, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "perg", "15" ], "isFinrayProduct": false, "coiNote": null, "watching": "Perimeter guidance." }, { "id": "doc-sysc15a", "label": "SYSC 15A", "type": "regulation", "subtype": "regulatory reference", "summary": "SYSC 15A is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "SYSC 15A: Operational resilience.", "url": "https://www.handbook.fca.org.uk/handbook/SYSC/15A.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SYSC/15A.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "sysc", "15a" ], "isFinrayProduct": false, "coiNote": null, "watching": "Operational resilience." }, { "id": "doc-pra-ss221", "label": "PRA SS2/21", "type": "regulation", "subtype": "regulatory reference", "summary": "PRA SS2/21 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "PRA SS2/21: PRA outsourcing overlap.", "url": "https://www.bankofengland.co.uk/prudential-regulation/publication/2021/march/outsourcing-and-third-party-risk-management-ss", "evidence": [ "https://www.bankofengland.co.uk/prudential-regulation/publication/2021/march/outsourcing-and-third-party-risk-management-ss, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "pra", "ss2", "21" ], "isFinrayProduct": false, "coiNote": null, "watching": "PRA outsourcing overlap." }, { "id": "doc-psd2a10", "label": "PSD2 Article 10", "type": "regulation", "subtype": "regulatory reference", "summary": "PSD2 Article 10 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "PSD2 Article 10: EU PI safeguarding comparator.", "url": "https://www.legislation.gov.uk/eudr/2015/2366/article/10/adopted/data.xht", "evidence": [ "https://www.legislation.gov.uk/eudr/2015/2366/article/10/adopted/data.xht, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "psd2", "article", "10" ], "isFinrayProduct": false, "coiNote": null, "watching": "EU PI safeguarding comparator." }, { "id": "doc-emd2a7", "label": "EMD2 Article 7", "type": "regulation", "subtype": "regulatory reference", "summary": "EMD2 Article 7 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline.", "description": "EMD2 Article 7: EU EMI safeguarding comparator.", "url": "https://www.legislation.gov.uk/eudr/2009/110/article/7/adopted", "evidence": [ "https://www.legislation.gov.uk/eudr/2009/110/article/7/adopted, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "regulation", "emd2", "article", "7" ], "isFinrayProduct": false, "coiNote": null, "watching": "EU EMI safeguarding comparator." }, { "id": "doc-eba-gl", "label": "EBA-GL-2017-09", "type": "standard", "subtype": "supervisory standard or guidance", "summary": "EBA-GL-2017-09 is a supervisory or guidance source used to interpret the safeguarding regime.", "description": "EBA-GL-2017-09: EU authorisation safeguarding evidence.", "url": "https://www.eba.europa.eu/sites/default/files/documents/10180/1904583/f0f3b7f8-0c2d-4f6d-ba5b-92d4b49d1de0/Guidelines%20on%20the%20information%20to%20be%20provided%20for%20the%20authorisation%20of%20payment%20institutions%20under%20PSD2%20%28EBA-GL-2017-09%29.pdf", "evidence": [ "https://www.eba.europa.eu/sites/default/files/documents/10180/1904583/f0f3b7f8-0c2d-4f6d-ba5b-92d4b49d1de0/Guidelines%20on%20the%20information%20to%20be%20provided%20for%20the%20authorisation%20of%20payment%20institutions%20under%20PSD2%20%28EBA-GL-2017-09%29.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "standard", "eba", "gl", "2017", "09" ], "isFinrayProduct": false, "coiNote": null, "watching": "EU authorisation safeguarding evidence." }, { "id": "doc-eba-qa", "label": "EBA Q&A 2024_7165", "type": "standard", "subtype": "supervisory standard or guidance", "summary": "EBA Q&A 2024_7165 is a supervisory or guidance source used to interpret the safeguarding regime.", "description": "EBA Q&A 2024_7165: EU settlement/safeguarding clarification.", "url": "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7165", "evidence": [ "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7165, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "standard", "eba", "q", "a", "2024" ], "isFinrayProduct": false, "coiNote": null, "watching": "EU settlement/safeguarding clarification." }, { "id": "c01", "label": "Account designation", "type": "control", "subtype": "technical, governance, audit-trail", "summary": "The firm must be able to evidence that relevant-funds bank accounts and relevant-assets accounts are opened, named and acknowledged so third parties understand the safeguarding character of the account. Bank of England settlement accounts are treated separately for acknowledgement-letter purposes.", "description": "The firm must be able to evidence that relevant-funds bank accounts and relevant-assets accounts are opened, named and acknowledged so third parties understand the safeguarding character of the account. Bank of England settlement accounts are treated separately for acknowledgement-letter purposes. Buyer due-diligence question: Can the platform identify each account as safeguarding, store account metadata, link acknowledgement letters, and surface exceptions for unacknowledged accounts?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/7.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/7.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "account", "designation" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the platform identify each account as safeguarding, store account metadata, link acknowledgement letters, and surface exceptions for unacknowledged accounts?" }, { "id": "c02", "label": "Relevant-funds segregation", "type": "control", "subtype": "technical, operational, audit-trail", "summary": "Relevant funds must not be used for own-account purposes and must be protected through the statutory safeguarding method chosen by the firm.", "description": "Relevant funds must not be used for own-account purposes and must be protected through the statutory safeguarding method chosen by the firm. Buyer due-diligence question: Can the stack keep customer-relevant funds separate from own funds at ledger, bank-account and reporting layers?", "url": "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "relevant", "funds", "segregation" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the stack keep customer-relevant funds separate from own funds at ledger, bank-account and reporting layers?" }, { "id": "c03", "label": "Liability scoping", "type": "control", "subtype": "technical, operational", "summary": "The firm must allocate relevant funds to clients promptly, track unallocated and unidentified receipts, and calculate individual safeguarding balances without masking negative client balances.", "description": "The firm must allocate relevant funds to clients promptly, track unallocated and unidentified receipts, and calculate individual safeguarding balances without masking negative client balances. Buyer due-diligence question: Can the platform classify PSU funds, e-money holder balances, settlement-in-transit, fees, chargebacks and returns as relevant or non-relevant at event level?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "liability", "scoping" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the platform classify PSU funds, e-money holder balances, settlement-in-transit, fees, chargebacks and returns as relevant or non-relevant at event level?" }, { "id": "c04", "label": "Mixed remittance handling", "type": "control", "subtype": "technical, governance, audit-trail", "summary": "Inbound receipts containing both relevant and non-relevant money require a written policy and daily currency adjustments where relevant.", "description": "Inbound receipts containing both relevant and non-relevant money require a written policy and daily currency adjustments where relevant. Buyer due-diligence question: Can the platform split inbound remittances into relevant/non-relevant components and preserve policy-based allocation evidence?", "url": "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "mixed", "remittance", "handling" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the platform split inbound remittances into relevant/non-relevant components and preserve policy-based allocation evidence?" }, { "id": "c05", "label": "Safeguarding-method selection", "type": "control", "subtype": "governance, operational", "summary": "The firm may use segregation, approved secure liquid assets, or insurance/comparable guarantee where the statutory and CASS conditions are met.", "description": "The firm may use segregation, approved secure liquid assets, or insurance/comparable guarantee where the statutory and CASS conditions are met. Buyer due-diligence question: Can the operating model evidence which method applies per pool and generate method-specific due-diligence and reconciliation data?", "url": "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "safeguarding", "method", "selection" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the operating model evidence which method applies per pool and generate method-specific due-diligence and reconciliation data?" }, { "id": "c06", "label": "Third-party diligence", "type": "control", "subtype": "governance, operational, audit-trail", "summary": "The firm must exercise due skill, care and diligence when selecting, appointing and reviewing safeguarding banks, custodians, insurers, guarantors and third-party managers.", "description": "The firm must exercise due skill, care and diligence when selecting, appointing and reviewing safeguarding banks, custodians, insurers, guarantors and third-party managers. Buyer due-diligence question: Can procurement and treasury evidence counterparty review, legal terms, account access, country risk and periodic re-approval?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "third", "party", "diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can procurement and treasury evidence counterparty review, legal terms, account access, country risk and periodic re-approval?" }, { "id": "c07", "label": "Concentration and diversification", "type": "control", "subtype": "technical, governance", "summary": "The firm must consider concentration and diversification across approved banks, custodians, insurers, guarantors and relevant assets.", "description": "The firm must consider concentration and diversification across approved banks, custodians, insurers, guarantors and relevant assets. Buyer due-diligence question: Can treasury monitor exposure by institution, group, country, currency, rail and product pool?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "concentration", "and", "diversification" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can treasury monitor exposure by institution, group, country, currency, rail and product pool?" }, { "id": "c08", "label": "Internal reconciliation", "type": "control", "subtype": "technical, audit-trail", "summary": "Internal safeguarding reconciliation must be performed as frequently as necessary and at least once per reconciliation day using the firm’s own records rather than bank statements.", "description": "Internal safeguarding reconciliation must be performed as frequently as necessary and at least once per reconciliation day using the firm’s own records rather than bank statements. Buyer due-diligence question: Can the platform generate same-day internal resource/requirement checks from internal ledgers and timestamp the reconciliation point?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "internal", "reconciliation" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the platform generate same-day internal resource/requirement checks from internal ledgers and timestamp the reconciliation point?" }, { "id": "c09", "label": "D+1 comparison", "type": "control", "subtype": "technical, operational, audit-trail", "summary": "The standard method requires D+1 comparison of segregation requirement and resource and prompt discrepancy resolution, including top-up using own funds where required.", "description": "The standard method requires D+1 comparison of segregation requirement and resource and prompt discrepancy resolution, including top-up using own funds where required. Buyer due-diligence question: Can the platform evidence next-business-day comparison, shortfall top-up, excess withdrawal and exception closure?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "d", "1", "comparison" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the platform evidence next-business-day comparison, shortfall top-up, excess withdrawal and exception closure?" }, { "id": "c10", "label": "External reconciliation", "type": "control", "subtype": "technical, audit-trail", "summary": "External reconciliation must compare internal records to third-party records at least every reconciliation day and resolve external discrepancies without undue delay.", "description": "External reconciliation must compare internal records to third-party records at least every reconciliation day and resolve external discrepancies without undue delay. Buyer due-diligence question: Can the platform ingest bank/custodian/asset-manager statements and retain unresolved-discrepancy treatment?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "external", "reconciliation" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the platform ingest bank/custodian/asset-manager statements and retain unresolved-discrepancy treatment?" }, { "id": "c11", "label": "Books without delay", "type": "control", "subtype": "technical, audit-trail", "summary": "The firm must maintain records and accounts that distinguish relevant funds from other funds and determine client-specific totals promptly and at any time.", "description": "The firm must maintain records and accounts that distinguish relevant funds from other funds and determine client-specific totals promptly and at any time. Buyer due-diligence question: Can the platform produce client, account, pool and method records without manual reconstruction?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "books", "without", "delay" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the platform produce client, account, pool and method records without manual reconstruction?" }, { "id": "c12", "label": "Resolution-pack retrieval", "type": "control", "subtype": "operational, governance, audit-trail", "summary": "The CASS resolution pack must be maintained and retrievable by the firm or an insolvency officer as soon as practicable and within 48 hours; specified records should be retrievable immediately.", "description": "The CASS resolution pack must be maintained and retrievable by the firm or an insolvency officer as soon as practicable and within 48 hours; specified records should be retrievable immediately. Buyer due-diligence question: Can an insolvency practitioner retrieve account lists, letters, policies, reconciliations, systems access and critical contacts within the required window?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "resolution", "pack", "retrieval" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can an insolvency practitioner retrieve account lists, letters, policies, reconciliations, systems access and critical contacts within the required window?" }, { "id": "c13", "label": "Resolution-pack content", "type": "control", "subtype": "operational, governance", "summary": "The pack must include a master document, account and counterparty details, agreements, insurers/guarantors, agents/distributors, outsourcing and relevant CASS 15 records.", "description": "The pack must include a master document, account and counterparty details, agreements, insurers/guarantors, agents/distributors, outsourcing and relevant CASS 15 records. Buyer due-diligence question: Can the firm maintain a structured, current pack with evidence objects, owners and review status?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "resolution", "pack", "content" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the firm maintain a structured, current pack with evidence objects, owners and review status?" }, { "id": "c14", "label": "Monthly safeguarding return", "type": "control", "subtype": "technical, governance, audit-trail", "summary": "Safeguarding institutions must submit a monthly safeguarding return within 15 business days of month-end except for the month in which they become safeguarding institutions.", "description": "Safeguarding institutions must submit a monthly safeguarding return within 15 business days of month-end except for the month in which they become safeguarding institutions. Buyer due-diligence question: Can reporting produce the monthly fields, owner attestation, method data, balances, breaches and third-party account data?", "url": "https://www.handbook.fca.org.uk/handbook/SUP/16/14A.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/16/14A.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "monthly", "safeguarding", "return" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can reporting produce the monthly fields, owner attestation, method data, balances, breaches and third-party account data?" }, { "id": "c15", "label": "Annual safeguarding audit", "type": "control", "subtype": "audit-trail, governance, operational", "summary": "Relevant institutions in scope must appoint an independent external auditor and obtain a reasonable-assurance safeguarding report covering CASS 15, CASS 10A, SUP 16.14A and applicable statutory obligations.", "description": "Relevant institutions in scope must appoint an independent external auditor and obtain a reasonable-assurance safeguarding report covering CASS 15, CASS 10A, SUP 16.14A and applicable statutory obligations. Buyer due-diligence question: Can the firm provide the auditor with complete records, access to third-party data, breach logs and governing-body evidence?", "url": "https://www.handbook.fca.org.uk/handbook/SUP/3A/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/3A/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "annual", "safeguarding", "audit" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the firm provide the auditor with complete records, access to third-party data, breach logs and governing-body evidence?" }, { "id": "c16", "label": "Governance owner", "type": "control", "subtype": "governance", "summary": "A director or senior manager must oversee safeguarding compliance; the governing body must receive resolution-pack compliance reporting at least annually and receive the safeguarding audit report.", "description": "A director or senior manager must oversee safeguarding compliance; the governing body must receive resolution-pack compliance reporting at least annually and receive the safeguarding audit report. Buyer due-diligence question: Is there a named accountable owner, escalation path, committee cadence and board evidence?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "governance", "owner" ], "isFinrayProduct": false, "coiNote": null, "watching": "Is there a named accountable owner, escalation path, committee cadence and board evidence?" }, { "id": "c17", "label": "FCA notifications", "type": "control", "subtype": "governance, operational, audit-trail", "summary": "The firm must notify the FCA on certain insurance/guarantee events, reconciliation failures, unresolved inaccuracies, material shortfalls and inability to comply with the resolution-pack rule.", "description": "The firm must notify the FCA on certain insurance/guarantee events, reconciliation failures, unresolved inaccuracies, material shortfalls and inability to comply with the resolution-pack rule. Buyer due-diligence question: Can the control environment detect and escalate notifiable events without waiting for month-end?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "fca", "notifications" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the control environment detect and escalate notifiable events without waiting for month-end?" }, { "id": "c18", "label": "Group and outsourcing boundary", "type": "control", "subtype": "governance, operational, technical", "summary": "Group members and outsourced providers can hold documents or perform operational functions only if retrieval, access and oversight obligations remain satisfied. Group treasury cannot obscure the statutory safeguarding boundary.", "description": "Group members and outsourced providers can hold documents or perform operational functions only if retrieval, access and oversight obligations remain satisfied. Group treasury cannot obscure the statutory safeguarding boundary. Buyer due-diligence question: Can the firm evidence legal ownership, access, retrieval, group limits and operational resilience for shared services?", "url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "control", "group", "and", "outsourcing", "boundary" ], "isFinrayProduct": false, "coiNote": null, "watching": "Can the firm evidence legal ownership, access, retrieval, group limits and operational resilience for shared services?" }, { "id": "ven-tuum", "label": "Tuum", "type": "vendor", "subtype": "vendor-universe node", "summary": "Tuum is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "Tuum is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://tuum.com/", "evidence": [ "https://tuum.com/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "tuum", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-mambu", "label": "Mambu", "type": "vendor", "subtype": "vendor-universe node", "summary": "Mambu is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "Mambu is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://mambu.com/core-capabilities", "evidence": [ "https://mambu.com/core-capabilities, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "mambu", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-tm", "label": "Thought Machine", "type": "vendor", "subtype": "vendor-universe node", "summary": "Thought Machine is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "Thought Machine is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://www.thoughtmachine.net/vault-core", "evidence": [ "https://www.thoughtmachine.net/vault-core, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "thought", "machine", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-corebanq", "label": "Corebanq / Finray Technologies Ltd", "type": "vendor", "subtype": "vendor-universe node", "summary": "Corebanq / Finray Technologies Ltd is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "Corebanq / Finray Technologies Ltd is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://finray.tech/corebanq/", "evidence": [ "https://finray.tech/corebanq/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "corebanq", "finray", "technologies", "ltd", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-reconart", "label": "ReconArt", "type": "vendor", "subtype": "vendor-universe node", "summary": "ReconArt is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "ReconArt is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://www.reconart.com/solution/bank-reconciliation/", "evidence": [ "https://www.reconart.com/solution/bank-reconciliation/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "reconart", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-clearbank", "label": "ClearBank", "type": "vendor", "subtype": "vendor-universe node", "summary": "ClearBank is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "ClearBank is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://clearbank.github.io/uk/docs/gbp-accounts/account-types", "evidence": [ "https://clearbank.github.io/uk/docs/gbp-accounts/account-types, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "clearbank", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-modulr", "label": "Modulr", "type": "vendor", "subtype": "vendor-universe node", "summary": "Modulr is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "Modulr is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://www.modulrfinance.com/uk-safeguarding-information", "evidence": [ "https://www.modulrfinance.com/uk-safeguarding-information, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "modulr", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-lhv", "label": "LHV Bank", "type": "vendor", "subtype": "vendor-universe node", "summary": "LHV Bank is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "LHV Bank is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://www.lhv.com/financialinstitutions/accounts", "evidence": [ "https://www.lhv.com/financialinstitutions/accounts, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "lhv", "bank", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-ccloud", "label": "Currencycloud", "type": "vendor", "subtype": "vendor-universe node", "summary": "Currencycloud is included in the UK PI/EMI vendor universe; edges are due-diligence support signals only.", "description": "Currencycloud is represented for buyer due diligence. Vendor edges do not imply regulator endorsement or a finding that the vendor makes a buyer compliant. Vendor-universe node; supports edges are non-ranking and based on own materials only.", "url": "https://www.currencycloud.com/legal/regulation/", "evidence": [ "https://www.currencycloud.com/legal/regulation/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "currencycloud", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "ven-audit", "label": "Audit-firm cohort", "type": "vendor", "subtype": "vendor-universe node", "summary": "Audit-firm cohort included for due diligence on SUP 3A safeguarding audit support; not a ranking or independence conclusion.", "description": "The audit-firm cohort groups KPMG, EY, BDO, Grant Thornton, Deloitte, Forvis Mazars and RSM public materials as vendor-owned evidence for audit-support due diligence.", "url": null, "evidence": [ "https://www.kpmg.com/uk/en/home/insights/2025/08/ps25-12-safeguarding-regime-payments-e-money-firms.html, accessed 2026-05-10", "https://www.ey.com/en_uk/financial-services/changes-to-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10", "https://www.bdo.co.uk/en-gb/insights/advisory/financial-services/fca-ps25-12-strengthening-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10", "https://www.grantthornton.co.uk/insights/payments-and-e-money-safeguarding-what-firms-need-to-do-now/, accessed 2026-05-10", "https://www2.deloitte.com/uk/en/pages/financial-services/articles/fca-strengthens-the-safeguarding-regime-for-payment-and-e-money-firms.html, accessed 2026-05-10", "https://www.forvismazars.com/uk/en/services/financial-services/financial-services-insights/payments-and-e-money-firms-safeguarding-regime, accessed 2026-05-10", "https://www.rsmuk.com/insights/financial-services/fca-safeguarding-regime-for-payment-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "audit", "firm", "cohort", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor-universe node; supports edges are non-ranking and based on own materials only." }, { "id": "prod-tuum-core", "label": "Tuum core banking", "type": "product", "subtype": "product or service surface", "summary": "Tuum core banking is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Tuum core banking is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://tuum.com/", "evidence": [ "https://tuum.com/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "tuum", "core", "banking", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-mambu-core", "label": "Mambu core capabilities", "type": "product", "subtype": "product or service surface", "summary": "Mambu core capabilities is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Mambu core capabilities is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://mambu.com/core-capabilities", "evidence": [ "https://mambu.com/core-capabilities, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "mambu", "core", "capabilities", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-mambu-pay", "label": "Mambu Payments", "type": "product", "subtype": "product or service surface", "summary": "Mambu Payments is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Mambu Payments is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://mambu.com/en/insights/articles/orchestrating-funds-safeguarding", "evidence": [ "https://mambu.com/en/insights/articles/orchestrating-funds-safeguarding, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "mambu", "payments", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-tm-vault", "label": "Thought Machine Vault Core", "type": "product", "subtype": "product or service surface", "summary": "Thought Machine Vault Core is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Thought Machine Vault Core is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.thoughtmachine.net/vault-core", "evidence": [ "https://www.thoughtmachine.net/vault-core, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "thought", "machine", "vault", "core", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-10x", "label": "10x banking platform", "type": "product", "subtype": "product or service surface", "summary": "10x banking platform is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "10x banking platform is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.10xbanking.com/", "evidence": [ "https://www.10xbanking.com/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "10x", "banking", "platform", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-saascada", "label": "SaaScada platform", "type": "product", "subtype": "product or service surface", "summary": "SaaScada platform is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "SaaScada platform is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://saascada.com/", "evidence": [ "https://saascada.com/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "saascada", "platform", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-skaleet", "label": "Skaleet platform", "type": "product", "subtype": "product or service surface", "summary": "Skaleet platform is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Skaleet platform is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://skaleet.com/", "evidence": [ "https://skaleet.com/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "skaleet", "platform", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-pismo", "label": "Pismo platform", "type": "product", "subtype": "product or service surface", "summary": "Pismo platform is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Pismo platform is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://pismo.io/", "evidence": [ "https://pismo.io/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "pismo", "platform", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-corebanq", "label": "Corebanq", "type": "product", "subtype": "product or service surface", "summary": "Corebanq is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Corebanq is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://finray.tech/corebanq/", "evidence": [ "https://finray.tech/corebanq/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "corebanq", "vendor-due-diligence" ], "isFinrayProduct": true, "coiNote": "Corebanq is built and operated by Finray Technologies Ltd, the publisher of this graph. Corebanq is recused from qualitative ranking; inclusion is for completeness under /intelligence/methodology/.", "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-reconart", "label": "ReconArt reconciliation", "type": "product", "subtype": "product or service surface", "summary": "ReconArt reconciliation is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "ReconArt reconciliation is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.reconart.com/solution/bank-reconciliation/", "evidence": [ "https://www.reconart.com/solution/bank-reconciliation/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "reconart", "reconciliation", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-cashbook", "label": "Cashbook bank reconciliation", "type": "product", "subtype": "product or service surface", "summary": "Cashbook bank reconciliation is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Cashbook bank reconciliation is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.cashbook.com/about-bank-reconciliation/", "evidence": [ "https://www.cashbook.com/about-bank-reconciliation/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "cashbook", "bank", "reconciliation", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-trintech", "label": "Trintech Cadency", "type": "product", "subtype": "product or service surface", "summary": "Trintech Cadency is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Trintech Cadency is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.trintech.com/solution/cadency/", "evidence": [ "https://www.trintech.com/solution/cadency/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "trintech", "cadency", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-blackline", "label": "BlackLine reconciliations", "type": "product", "subtype": "product or service surface", "summary": "BlackLine reconciliations is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "BlackLine reconciliations is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.blackline.com/solutions/account-reconciliations/", "evidence": [ "https://www.blackline.com/solutions/account-reconciliations/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "blackline", "reconciliations", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-floqast", "label": "FloQast reconciliation", "type": "product", "subtype": "product or service surface", "summary": "FloQast reconciliation is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "FloQast reconciliation is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.floqast.com/solutions/reconciliation-management/", "evidence": [ "https://www.floqast.com/solutions/reconciliation-management/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "floqast", "reconciliation", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-clearbank-accts", "label": "ClearBank accounts", "type": "product", "subtype": "product or service surface", "summary": "ClearBank accounts is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "ClearBank accounts is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://clearbank.github.io/uk/docs/gbp-accounts/account-types", "evidence": [ "https://clearbank.github.io/uk/docs/gbp-accounts/account-types, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "clearbank", "accounts", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-modulr-accts", "label": "Modulr accounts/payments", "type": "product", "subtype": "product or service surface", "summary": "Modulr accounts/payments is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Modulr accounts/payments is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.modulrfinance.com/uk-safeguarding-information", "evidence": [ "https://www.modulrfinance.com/uk-safeguarding-information, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "modulr", "accounts", "payments", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-lhv-accts", "label": "LHV safeguarding accounts", "type": "product", "subtype": "product or service surface", "summary": "LHV safeguarding accounts is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "LHV safeguarding accounts is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.lhv.com/financialinstitutions/accounts", "evidence": [ "https://www.lhv.com/financialinstitutions/accounts, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "lhv", "safeguarding", "accounts", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-ccloud", "label": "Currencycloud platform", "type": "product", "subtype": "product or service surface", "summary": "Currencycloud platform is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Currencycloud platform is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.currencycloud.com/legal/regulation/", "evidence": [ "https://www.currencycloud.com/legal/regulation/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "currencycloud", "platform", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-marqeta", "label": "Marqeta card programme infrastructure", "type": "product", "subtype": "product or service surface", "summary": "Marqeta card programme infrastructure is a product or service surface mapped to controls only where public material supports the due-diligence question.", "description": "Marqeta card programme infrastructure is mapped to supporting controls from public product or service evidence. Supports edges are buyer due-diligence inputs, not compliance conclusions. Product mapped to controls only where public own materials support the product category.", "url": "https://www.marqeta.com/uk/demystifying-cards-guide/licensing-for-card-programme", "evidence": [ "https://www.marqeta.com/uk/demystifying-cards-guide/licensing-for-card-programme, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "marqeta", "card", "programme", "infrastructure", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "prod-audit-services", "label": "Safeguarding audit services", "type": "product", "subtype": "product or service surface", "summary": "Safeguarding audit and advisory services are included where audit-firm public materials discuss PS25/12 or safeguarding-audit readiness.", "description": "This service-surface node maps audit-firm public materials to the annual safeguarding-audit due-diligence question. Independence and appointment remain firm-specific SUP 3A matters.", "url": "https://www.kpmg.com/uk/en/home/insights/2025/08/ps25-12-safeguarding-regime-payments-e-money-firms.html", "evidence": [ "https://www.kpmg.com/uk/en/home/insights/2025/08/ps25-12-safeguarding-regime-payments-e-money-firms.html, accessed 2026-05-10", "https://www.ey.com/en_uk/financial-services/changes-to-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10", "https://www.bdo.co.uk/en-gb/insights/advisory/financial-services/fca-ps25-12-strengthening-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10", "https://www.grantthornton.co.uk/insights/payments-and-e-money-safeguarding-what-firms-need-to-do-now/, accessed 2026-05-10", "https://www2.deloitte.com/uk/en/pages/financial-services/articles/fca-strengthens-the-safeguarding-regime-for-payment-and-e-money-firms.html, accessed 2026-05-10", "https://www.forvismazars.com/uk/en/services/financial-services/financial-services-insights/payments-and-e-money-firms-safeguarding-regime, accessed 2026-05-10", "https://www.rsmuk.com/insights/financial-services/fca-safeguarding-regime-for-payment-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "product", "safeguarding", "audit", "services", "vendor-due-diligence" ], "isFinrayProduct": false, "coiNote": null, "watching": "Product mapped to controls only where public own materials support the product category." }, { "id": "case-biilz", "label": "Biilz UK Ltd Final Notice", "type": "licensed-entity", "subtype": "forensic case", "summary": "Biilz UK Ltd Final Notice is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "Final Notice; cancellation of SEMI registration dated 2024-12-09. Dossier finding: FCA found inadequate safeguarding measures and a proposed account not in the firm’s name.", "url": "https://www.fca.org.uk/publication/final-notices/biilz-uk-ltd-2024.pdf", "evidence": [ "https://www.fca.org.uk/publication/final-notices/biilz-uk-ltd-2024.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "biilz", "uk", "ltd", "final", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "Cancellation for safeguarding deficiencies." }, { "id": "case-currency", "label": "Currency Matters FSN/special administration", "type": "licensed-entity", "subtype": "forensic case", "summary": "Currency Matters FSN/special administration is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "First Supervisory Notice; requirements; special administration dated 2025-09-01 / 2025-10-06. Dossier finding: FCA cited failure to provide safeguarding reconciliation and supporting statements, inadequate safeguarding/prudential position and suspected misappropriation; the firm later entered special administration.", "url": "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "currency", "matters", "fsn", "special", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "Safeguarding reconciliation and prudential deficiencies." }, { "id": "case-premier", "label": "Premier FX censure", "type": "licensed-entity", "subtype": "forensic case", "summary": "Premier FX censure is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "Public censure; liquidation dated 2021-02-23. Dossier finding: FCA censured the firm for failing to safeguard relevant funds, lack of designated safeguarding accounts, inadequate records and indistinguishable customer funds.", "url": "https://www.fca.org.uk/publication/final-notices/premier-fx.pdf", "evidence": [ "https://www.fca.org.uk/publication/final-notices/premier-fx.pdf, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "premier", "fx", "censure", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "Designated-account, records and segregation failures." }, { "id": "case-allied", "label": "Allied Wallet winding-up", "type": "licensed-entity", "subtype": "forensic case", "summary": "Allied Wallet winding-up is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "FCA statement; winding-up/liquidation dated 2020-03-23. Dossier finding: FCA imposed requirements and later noted concerns about conduct, management and safeguarding customer funds.", "url": "https://www.fca.org.uk/news/statements/allied-wallet-limited", "evidence": [ "https://www.fca.org.uk/news/statements/allied-wallet-limited, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "allied", "wallet", "winding", "up", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "FCA concerns about safeguarding customer funds." }, { "id": "case-wirecard", "label": "Wirecard Card Solutions restrictions", "type": "licensed-entity", "subtype": "forensic case", "summary": "Wirecard Card Solutions restrictions is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "Requirements; wind-down statement dated 2020-06-30 / 2020-09-03. Dossier finding: FCA restrictions were framed to protect e-money funds in safeguarded accounts after the German parent insolvency event.", "url": "https://www.fca.org.uk/news/news-stories/requirements-imposed-wirecard-authorisation", "evidence": [ "https://www.fca.org.uk/news/news-stories/requirements-imposed-wirecard-authorisation, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "wirecard", "card", "solutions", "restrictions", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "Restrictions to protect safeguarded e-money funds." }, { "id": "case-rfx", "label": "Rational Foreign Exchange special administration", "type": "licensed-entity", "subtype": "forensic case", "summary": "Rational Foreign Exchange special administration is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "Special administration dated 2023-11-29. Dossier finding: FCA noted PSR safeguarding and that administrators would assess which funds were safeguarded and which were firm funds.", "url": "https://www.fca.org.uk/news/news-stories/rational-foreign-exchange-limited-enters-special-administration", "evidence": [ "https://www.fca.org.uk/news/news-stories/rational-foreign-exchange-limited-enters-special-administration, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "rational", "foreign", "exchange", "special", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "Safeguarded/firm-fund assessment." }, { "id": "case-xpress", "label": "Xpress Money special administration", "type": "licensed-entity", "subtype": "forensic case", "summary": "Xpress Money special administration is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "Special administration dated 2022-02-11. Dossier finding: FCA applied to court in response to a winding-up petition and referred to safeguarding under the PSRs and administrator fund assessment.", "url": "https://www.fca.org.uk/news/news-stories/xpress-money-services-limited-enters-special-administration", "evidence": [ "https://www.fca.org.uk/news/news-stories/xpress-money-services-limited-enters-special-administration, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "xpress", "money", "special", "administration", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "PESAR and PSR safeguarding context." }, { "id": "case-monneo", "label": "Monneo special administration", "type": "licensed-entity", "subtype": "forensic case", "summary": "Monneo special administration is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "Special administration dated 2023-05-30. Dossier finding: FCA special-administration source located; full FRN and detailed control mapping require further primary extraction before publication.", "url": "https://www.fca.org.uk/news/news-stories/monneo-ltd-enters-special-administration", "evidence": [ "https://www.fca.org.uk/news/news-stories/monneo-ltd-enters-special-administration, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "monneo", "special", "administration", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "PESAR context; evidence extraction pending." }, { "id": "case-jnfx", "label": "JNFX special administration", "type": "licensed-entity", "subtype": "forensic case", "summary": "JNFX special administration is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "Special administration dated 2025-11-24. Dossier finding: FCA special-administration source located; detailed control mapping requires further primary extraction before publication.", "url": "https://www.fca.org.uk/news/news-stories/jnfx-ltd-enters-special-administration", "evidence": [ "https://www.fca.org.uk/news/news-stories/jnfx-ltd-enters-special-administration, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "jnfx", "special", "administration", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "PESAR context; evidence extraction pending." }, { "id": "case-ipagoo", "label": "Ipagoo court cross-reference", "type": "licensed-entity", "subtype": "forensic case", "summary": "Ipagoo court cross-reference is a named UK safeguarding, insolvency or court-material case mapped to control failure patterns in the dossier.", "description": "Court-material cross-reference; not FCA enforcement row dated 2022-03-09. Dossier finding: Court of Appeal material is relevant to legal uncertainty about the status of safeguarded funds, but this draft does not treat it as an FCA enforcement case.", "url": "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "licensed-entity", "ipagoo", "court", "cross", "reference", "forensic-register" ], "isFinrayProduct": false, "coiNote": null, "watching": "Legal uncertainty context." }, { "id": "wt-reg-rev", "label": "regulator-revocation", "type": "status-class", "subtype": "supervisory outcome class", "summary": "regulator-revocation is an outcome class used to group forensic rows in the radar.", "description": "regulator-revocation groups cases by the outcome taxonomy carried from the dossier. FCA cancellation or revocation.", "url": "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms", "evidence": [ "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "status-class", "regulator", "revocation" ], "isFinrayProduct": false, "coiNote": null, "watching": "FCA cancellation or revocation." }, { "id": "wt-vol-can", "label": "voluntary-cancellation", "type": "status-class", "subtype": "supervisory outcome class", "summary": "voluntary-cancellation is an outcome class used to group forensic rows in the radar.", "description": "voluntary-cancellation groups cases by the outcome taxonomy carried from the dossier. Voluntary cancellation.", "url": "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms", "evidence": [ "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "status-class", "voluntary", "cancellation" ], "isFinrayProduct": false, "coiNote": null, "watching": "Voluntary cancellation." }, { "id": "wt-app-ref", "label": "application-refused", "type": "status-class", "subtype": "supervisory outcome class", "summary": "application-refused is an outcome class used to group forensic rows in the radar.", "description": "application-refused groups cases by the outcome taxonomy carried from the dossier. Application refused.", "url": "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms", "evidence": [ "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "status-class", "application", "refused" ], "isFinrayProduct": false, "coiNote": null, "watching": "Application refused." }, { "id": "wt-lapsed", "label": "lapsed-without-renewal", "type": "status-class", "subtype": "supervisory outcome class", "summary": "lapsed-without-renewal is an outcome class used to group forensic rows in the radar.", "description": "lapsed-without-renewal groups cases by the outcome taxonomy carried from the dossier. Registration lapsed.", "url": "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms", "evidence": [ "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "status-class", "lapsed", "without", "renewal" ], "isFinrayProduct": false, "coiNote": null, "watching": "Registration lapsed." }, { "id": "wt-transition", "label": "regime-transition-non-completed", "type": "status-class", "subtype": "supervisory outcome class", "summary": "regime-transition-non-completed is an outcome class used to group forensic rows in the radar.", "description": "regime-transition-non-completed groups cases by the outcome taxonomy carried from the dossier. Regime-transition failure.", "url": "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms", "evidence": [ "https://www.fca.org.uk/publications/policy-statements/ps25-12-changes-safeguarding-regime-payments-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "status-class", "regime", "transition", "non", "completed" ], "isFinrayProduct": false, "coiNote": null, "watching": "Regime-transition failure." }, { "id": "ven-10x", "label": "10x Banking", "type": "vendor", "subtype": "vendor-universe node", "summary": "10x Banking is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "10x Banking is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://www.10xbanking.com/", "evidence": [ "https://www.10xbanking.com/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "10x-banking" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "ven-saascada", "label": "SaaScada", "type": "vendor", "subtype": "vendor-universe node", "summary": "SaaScada is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "SaaScada is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://saascada.com/", "evidence": [ "https://saascada.com/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "saascada" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "ven-skaleet", "label": "Skaleet", "type": "vendor", "subtype": "vendor-universe node", "summary": "Skaleet is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "Skaleet is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://skaleet.com/", "evidence": [ "https://skaleet.com/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "skaleet" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "ven-pismo", "label": "Pismo", "type": "vendor", "subtype": "vendor-universe node", "summary": "Pismo is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "Pismo is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://pismo.io/", "evidence": [ "https://pismo.io/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "pismo" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "ven-cashbook", "label": "Cashbook", "type": "vendor", "subtype": "vendor-universe node", "summary": "Cashbook is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "Cashbook is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://www.cashbook.com/about-bank-reconciliation/", "evidence": [ "https://www.cashbook.com/about-bank-reconciliation/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "cashbook" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "ven-trintech", "label": "Trintech", "type": "vendor", "subtype": "vendor-universe node", "summary": "Trintech is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "Trintech is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://www.trintech.com/solution/cadency/", "evidence": [ "https://www.trintech.com/solution/cadency/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "trintech" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "ven-blackline", "label": "BlackLine", "type": "vendor", "subtype": "vendor-universe node", "summary": "BlackLine is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "BlackLine is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://www.blackline.com/solutions/account-reconciliations/", "evidence": [ "https://www.blackline.com/solutions/account-reconciliations/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "blackline" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "ven-floqast", "label": "FloQast", "type": "vendor", "subtype": "vendor-universe node", "summary": "FloQast is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "FloQast is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://www.floqast.com/solutions/reconciliation-management/", "evidence": [ "https://www.floqast.com/solutions/reconciliation-management/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "floqast" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "ven-marqeta", "label": "Marqeta", "type": "vendor", "subtype": "vendor-universe node", "summary": "Marqeta is included in the UK PI/EMI vendor universe as a due-diligence comparator.", "description": "Marqeta is represented for buyer due diligence where its public materials support ledger, reconciliation, account, payment or audit-control questions. Inclusion is not a regulator endorsement or ranking.", "url": "https://www.marqeta.com/uk/demystifying-cards-guide/licensing-for-card-programme", "evidence": [ "https://www.marqeta.com/uk/demystifying-cards-guide/licensing-for-card-programme, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "vendor-due-diligence", "marqeta" ], "isFinrayProduct": false, "coiNote": null, "watching": "Vendor registered jurisdiction remains an operator-lane verification item where not confirmed from public registry material." }, { "id": "united-kingdom", "label": "United Kingdom", "type": "jurisdiction", "subtype": "united-kingdom", "summary": "UK perimeter for the FCA Supplementary Safeguarding Regime radar.", "description": "The radar is scoped to UK payment and e-money safeguarding under FCA Handbook, PSRs, EMRs and related insolvency materials. EU material appears only as comparator or standard evidence.", "url": null, "evidence": [ "[evidence pending - editorial jurisdiction node; no single canonical primary-source URL]" ], "tags": [ "uk", "jurisdiction", "fca-ps25-12" ], "isFinrayProduct": false, "coiNote": null, "watching": null }, { "id": "ven-kpmg-uk", "label": "KPMG LLP", "type": "vendor", "subtype": "vendor-universe node", "summary": "KPMG LLP is included in the UK PI/EMI audit-firm universe as a SUP 3A safeguarding-audit evidence node.", "description": "KPMG LLP is represented for SUP 3A safeguarding-audit due diligence based on its published Supplementary-Regime guidance. Inclusion is not a regulator endorsement, ranking or independence conclusion.", "url": "https://www.kpmg.com/uk/en/home/insights/2025/08/ps25-12-safeguarding-regime-payments-e-money-firms.html", "evidence": [ "https://www.kpmg.com/uk/en/home/insights/2025/08/ps25-12-safeguarding-regime-payments-e-money-firms.html, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "audit-firm", "sup-3a", "vendor-due-diligence", "kpmg" ], "isFinrayProduct": false, "coiNote": null, "watching": "Auditor independence determined under SUP 3A; CASS-qualified audit practice serving UK PIs/EMIs." }, { "id": "ven-ey-uk", "label": "Ernst & Young LLP", "type": "vendor", "subtype": "vendor-universe node", "summary": "Ernst & Young LLP is included in the UK PI/EMI audit-firm universe as a SUP 3A safeguarding-audit evidence node.", "description": "Ernst & Young LLP is represented for SUP 3A safeguarding-audit due diligence based on its published Supplementary-Regime guidance. Inclusion is not a regulator endorsement, ranking or independence conclusion.", "url": "https://www.ey.com/en_uk/financial-services/changes-to-the-safeguarding-regime-for-payments-and-e-money-firms", "evidence": [ "https://www.ey.com/en_uk/financial-services/changes-to-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "audit-firm", "sup-3a", "vendor-due-diligence", "ey" ], "isFinrayProduct": false, "coiNote": null, "watching": "Auditor independence determined under SUP 3A; CASS-qualified audit practice serving UK PIs/EMIs." }, { "id": "ven-deloitte-uk", "label": "Deloitte LLP", "type": "vendor", "subtype": "vendor-universe node", "summary": "Deloitte LLP is included in the UK PI/EMI audit-firm universe as a SUP 3A safeguarding-audit evidence node.", "description": "Deloitte LLP is represented for SUP 3A safeguarding-audit due diligence based on its published Supplementary-Regime guidance. Inclusion is not a regulator endorsement, ranking or independence conclusion.", "url": "https://www2.deloitte.com/uk/en/insights/industry/financial-services/safeguarding-regime-payments-e-money.html", "evidence": [ "https://www2.deloitte.com/uk/en/insights/industry/financial-services/safeguarding-regime-payments-e-money.html, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "audit-firm", "sup-3a", "vendor-due-diligence", "deloitte" ], "isFinrayProduct": false, "coiNote": null, "watching": "Auditor independence determined under SUP 3A; CASS-qualified audit practice serving UK PIs/EMIs." }, { "id": "ven-bdo-uk", "label": "BDO LLP", "type": "vendor", "subtype": "vendor-universe node", "summary": "BDO LLP is included in the UK PI/EMI audit-firm universe as a SUP 3A safeguarding-audit evidence node.", "description": "BDO LLP is represented for SUP 3A safeguarding-audit due diligence based on its published Supplementary-Regime guidance. Inclusion is not a regulator endorsement, ranking or independence conclusion.", "url": "https://www.bdo.co.uk/en-gb/insights/industries/financial-services/ps-25-12-policy-statement-on-changes-to-the-safeguarding-regime-for-payments-and-e-money-firms", "evidence": [ "https://www.bdo.co.uk/en-gb/insights/industries/financial-services/ps-25-12-policy-statement-on-changes-to-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "audit-firm", "sup-3a", "vendor-due-diligence", "bdo" ], "isFinrayProduct": false, "coiNote": null, "watching": "Auditor independence determined under SUP 3A; CASS-qualified audit practice serving UK PIs/EMIs." }, { "id": "ven-grant-thornton-uk", "label": "Grant Thornton UK LLP", "type": "vendor", "subtype": "vendor-universe node", "summary": "Grant Thornton UK LLP is included in the UK PI/EMI audit-firm universe as a SUP 3A safeguarding-audit evidence node.", "description": "Grant Thornton UK LLP is represented for SUP 3A safeguarding-audit due diligence based on its published Supplementary-Regime guidance. Inclusion is not a regulator endorsement, ranking or independence conclusion.", "url": "https://www.grantthornton.co.uk/insights/fca-safeguarding-regime-payments-and-e-money-firms/", "evidence": [ "https://www.grantthornton.co.uk/insights/fca-safeguarding-regime-payments-and-e-money-firms/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "audit-firm", "sup-3a", "vendor-due-diligence", "grant-thornton" ], "isFinrayProduct": false, "coiNote": null, "watching": "Auditor independence determined under SUP 3A; CASS-qualified audit practice serving UK PIs/EMIs." }, { "id": "ven-forvis-mazars-uk", "label": "Forvis Mazars LLP", "type": "vendor", "subtype": "vendor-universe node", "summary": "Forvis Mazars LLP is included in the UK PI/EMI audit-firm universe as a SUP 3A safeguarding-audit evidence node.", "description": "Forvis Mazars LLP is represented for SUP 3A safeguarding-audit due diligence based on its published Supplementary-Regime guidance. Inclusion is not a regulator endorsement, ranking or independence conclusion.", "url": "https://www.forvismazars.com/uk/en/insights/financial-services/changes-to-the-safeguarding-regime", "evidence": [ "https://www.forvismazars.com/uk/en/insights/financial-services/changes-to-the-safeguarding-regime, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "audit-firm", "sup-3a", "vendor-due-diligence", "forvis-mazars" ], "isFinrayProduct": false, "coiNote": null, "watching": "Auditor independence determined under SUP 3A; CASS-qualified audit practice serving UK PIs/EMIs." }, { "id": "ven-rsm-uk", "label": "RSM UK", "type": "vendor", "subtype": "vendor-universe node", "summary": "RSM UK is included in the UK PI/EMI audit-firm universe as a SUP 3A safeguarding-audit evidence node.", "description": "RSM UK is represented for SUP 3A safeguarding-audit due diligence based on its published Supplementary-Regime guidance. Inclusion is not a regulator endorsement, ranking or independence conclusion.", "url": "https://www.rsmuk.com/insights/financial-services/fca-safeguarding-regime-for-payment-and-e-money-firms", "evidence": [ "https://www.rsmuk.com/insights/financial-services/fca-safeguarding-regime-for-payment-and-e-money-firms, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "vendor", "audit-firm", "sup-3a", "vendor-due-diligence", "rsm" ], "isFinrayProduct": false, "coiNote": null, "watching": "Auditor independence determined under SUP 3A; CASS-qualified audit practice serving UK PIs/EMIs." }, { "id": "judg-re-allied-wallet", "label": "Re Allied Wallet Ltd [2022] EWHC 1877 (Ch)", "type": "standard", "subtype": "court judgment", "summary": "Re Allied Wallet Ltd [2022] EWHC 1877 (Ch) is a court judgment interpreting EMRs reg 24 safeguarded-asset pool status.", "description": "High Court judgment on EMRs reg 24 safeguarded-asset pool status; established equality-is-equity shortfall reconstitution; informed the Supplementary Regime's CASS 10A resolution-pack and CASS 15.7 reconciliation rules.", "url": "https://www.bailii.org/ew/cases/EWHC/Ch/2022/1877.html", "evidence": [ "https://www.bailii.org/ew/cases/EWHC/Ch/2022/1877.html, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "standard", "court-judgment", "allied-wallet", "safeguarded-assets" ], "isFinrayProduct": false, "coiNote": null, "watching": "High Court judgment on EMRs reg 24 safeguarded-asset pool status; established 'equality is equity' shortfall reconstitution; informed the Supplementary Regime's CASS 10A resolution-pack and CASS 15.7 reconciliation rules." }, { "id": "judg-re-ipagoo", "label": "Re Ipagoo LLP [2022] EWCA Civ 302", "type": "standard", "subtype": "court judgment", "summary": "Re Ipagoo LLP [2022] EWCA Civ 302 is a Court of Appeal judgment interpreting PSRs reg 23 safeguarded-asset pool status.", "description": "Court of Appeal judgment on PSRs reg 23 safeguarded-asset pool status; companion to Re Allied Wallet; established the priority-interest doctrine that PS25/12 addresses operationally.", "url": "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ], "tags": [ "fca-ps25-12", "standard", "court-judgment", "ipagoo", "safeguarded-assets" ], "isFinrayProduct": false, "coiNote": null, "watching": "Court of Appeal judgment on PSRs reg 23 safeguarded-asset pool status; companion to Re Allied Wallet; established the priority-interest doctrine that PS25/12 addresses operationally." } ], "edges": [ { "source": "doc-ps25", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/policy/ps25-12.pdf, accessed 2026-05-10" ] }, { "source": "doc-cp24", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/consultation/cp24-20.pdf, accessed 2026-05-10" ] }, { "source": "doc-instr", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ] }, { "source": "doc-approach", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/finalised-guidance/fca-approach-payment-services-electronic-money-2017-may-2026-draft.pdf, accessed 2026-05-10" ] }, { "source": "doc-hmt-review", "target": "reg-hmt", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.gov.uk/government/calls-for-evidence/payment-services-regulations-review-and-call-for-evidence, accessed 2026-05-10" ] }, { "source": "doc-psr23", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2017/752/regulation/23, accessed 2026-05-10" ] }, { "source": "doc-emr20", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2011/99/regulation/20, accessed 2026-05-10" ] }, { "source": "doc-pesar", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2021/1178/contents, accessed 2026-05-10" ] }, { "source": "doc-cass10a1", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a2", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a3", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/3.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass151", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass152", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass153", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/3.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass154", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/4.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass155", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/5.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass156", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass157", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/7.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-sup3a", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/3A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-sup16", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/16/14A.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-perg15", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/PERG/15.html, accessed 2026-05-10" ] }, { "source": "doc-sysc15a", "target": "reg-fca", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SYSC/15A.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-pra-ss221", "target": "reg-pra", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.bankofengland.co.uk/prudential-regulation/publication/2021/march/outsourcing-and-third-party-risk-management-ss, accessed 2026-05-10" ] }, { "source": "doc-psd2a10", "target": "reg-eba", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/eudr/2015/2366/article/10/adopted/data.xht, accessed 2026-05-10" ] }, { "source": "doc-emd2a7", "target": "reg-eba", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/eudr/2009/110/article/7/adopted, accessed 2026-05-10" ] }, { "source": "doc-eba-gl", "target": "reg-eba", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.eba.europa.eu/sites/default/files/documents/10180/1904583/f0f3b7f8-0c2d-4f6d-ba5b-92d4b49d1de0/Guidelines%20on%20the%20information%20to%20be%20provided%20for%20the%20authorisation%20of%20payment%20institutions%20under%20PSD2%20%28EBA-GL-2017-09%29.pdf, accessed 2026-05-10" ] }, { "source": "doc-eba-qa", "target": "reg-eba", "type": "issued-by", "label": "issued by", "strength": "full", "evidence": [ "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7165, accessed 2026-05-10" ] }, { "source": "doc-cass157", "target": "c01", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/7.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-psr23", "target": "c01", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2017/752/regulation/23, accessed 2026-05-10" ] }, { "source": "doc-cass152", "target": "c02", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-psr23", "target": "c02", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2017/752/regulation/23, accessed 2026-05-10" ] }, { "source": "doc-emr20", "target": "c02", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2011/99/regulation/20, accessed 2026-05-10" ] }, { "source": "doc-cass152", "target": "c03", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "c03", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass153", "target": "c04", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/3.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass154", "target": "c05", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/4.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass155", "target": "c05", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/5.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-psr23", "target": "c05", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2017/752/regulation/23, accessed 2026-05-10" ] }, { "source": "doc-emr20", "target": "c05", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2011/99/regulation/20, accessed 2026-05-10" ] }, { "source": "doc-cass156", "target": "c06", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass154", "target": "c06", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/4.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass156", "target": "c07", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass154", "target": "c07", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/4.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "c08", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "c09", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "c10", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "c11", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a1", "target": "c12", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a2", "target": "c13", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a3", "target": "c13", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/3.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-sup16", "target": "c14", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/16/14A.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-sup3a", "target": "c15", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/3A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass152", "target": "c16", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a1", "target": "c16", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-sup3a", "target": "c16", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/3A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass155", "target": "c17", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/5.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "c17", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a1", "target": "c17", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a1", "target": "c18", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a2", "target": "c18", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-sysc15a", "target": "c18", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SYSC/15A.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-pra-ss221", "target": "c18", "type": "requires", "label": "requires control", "strength": "full", "evidence": [ "https://www.bankofengland.co.uk/prudential-regulation/publication/2021/march/outsourcing-and-third-party-risk-management-ss, accessed 2026-05-10" ] }, { "source": "doc-ps25", "target": "doc-cp24", "type": "complementary-to", "label": "change-delta link", "strength": "indirect", "evidence": [ "https://www.fca.org.uk/publication/policy/ps25-12.pdf, accessed 2026-05-10" ] }, { "source": "doc-instr", "target": "doc-approach", "type": "complementary-to", "label": "change-delta link", "strength": "indirect", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "doc-psr23", "type": "complementary-to", "label": "change-delta link", "strength": "indirect", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "doc-emr20", "type": "complementary-to", "label": "change-delta link", "strength": "indirect", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ] }, { "source": "prod-tuum-core", "target": "ven-tuum", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://tuum.com/, accessed 2026-05-10" ] }, { "source": "prod-mambu-core", "target": "ven-mambu", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://mambu.com/core-capabilities, accessed 2026-05-10" ] }, { "source": "prod-mambu-pay", "target": "ven-mambu", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://mambu.com/en/insights/articles/orchestrating-funds-safeguarding, accessed 2026-05-10" ] }, { "source": "prod-tm-vault", "target": "ven-tm", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.thoughtmachine.net/vault-core, accessed 2026-05-10" ] }, { "source": "prod-corebanq", "target": "ven-corebanq", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://finray.tech/corebanq/, accessed 2026-05-10" ] }, { "source": "prod-reconart", "target": "ven-reconart", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.reconart.com/solution/bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-clearbank-accts", "target": "ven-clearbank", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://clearbank.github.io/uk/docs/gbp-accounts/account-types, accessed 2026-05-10" ] }, { "source": "prod-modulr-accts", "target": "ven-modulr", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.modulrfinance.com/uk-safeguarding-information, accessed 2026-05-10" ] }, { "source": "prod-lhv-accts", "target": "ven-lhv", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.lhv.com/financialinstitutions/accounts, accessed 2026-05-10" ] }, { "source": "prod-ccloud", "target": "ven-ccloud", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.currencycloud.com/legal/regulation/, accessed 2026-05-10" ] }, { "source": "prod-audit-services", "target": "ven-audit", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.kpmg.com/uk/en/home/insights/2025/08/ps25-12-safeguarding-regime-payments-e-money-firms.html, accessed 2026-05-10" ] }, { "source": "prod-tuum-core", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://tuum.com/, accessed 2026-05-10" ] }, { "source": "prod-tuum-core", "target": "c08", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://tuum.com/, accessed 2026-05-10" ] }, { "source": "prod-tuum-core", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://tuum.com/, accessed 2026-05-10" ] }, { "source": "prod-mambu-core", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://mambu.com/core-capabilities, accessed 2026-05-10" ] }, { "source": "prod-mambu-core", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://mambu.com/core-capabilities, accessed 2026-05-10" ] }, { "source": "prod-mambu-pay", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://mambu.com/en/insights/articles/orchestrating-funds-safeguarding, accessed 2026-05-10" ] }, { "source": "prod-mambu-pay", "target": "c08", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://mambu.com/en/insights/articles/orchestrating-funds-safeguarding, accessed 2026-05-10" ] }, { "source": "prod-mambu-pay", "target": "c10", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://mambu.com/en/insights/articles/orchestrating-funds-safeguarding, accessed 2026-05-10" ] }, { "source": "prod-mambu-pay", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://mambu.com/en/insights/articles/orchestrating-funds-safeguarding, accessed 2026-05-10" ] }, { "source": "prod-tm-vault", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.thoughtmachine.net/vault-core, accessed 2026-05-10" ] }, { "source": "prod-tm-vault", "target": "c08", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.thoughtmachine.net/vault-core, accessed 2026-05-10" ] }, { "source": "prod-tm-vault", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.thoughtmachine.net/vault-core, accessed 2026-05-10" ] }, { "source": "prod-10x", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.10xbanking.com/, accessed 2026-05-10" ] }, { "source": "prod-10x", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.10xbanking.com/, accessed 2026-05-10" ] }, { "source": "prod-saascada", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://saascada.com/, accessed 2026-05-10" ] }, { "source": "prod-saascada", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://saascada.com/, accessed 2026-05-10" ] }, { "source": "prod-skaleet", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://skaleet.com/, accessed 2026-05-10" ] }, { "source": "prod-skaleet", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://skaleet.com/, accessed 2026-05-10" ] }, { "source": "prod-pismo", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://pismo.io/, accessed 2026-05-10" ] }, { "source": "prod-pismo", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://pismo.io/, accessed 2026-05-10" ] }, { "source": "prod-corebanq", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://finray.tech/corebanq/, accessed 2026-05-10" ] }, { "source": "prod-corebanq", "target": "c08", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://finray.tech/corebanq/, accessed 2026-05-10" ] }, { "source": "prod-corebanq", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://finray.tech/corebanq/, accessed 2026-05-10" ] }, { "source": "prod-reconart", "target": "c08", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.reconart.com/solution/bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-reconart", "target": "c09", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.reconart.com/solution/bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-reconart", "target": "c10", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.reconart.com/solution/bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-reconart", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.reconart.com/solution/bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-cashbook", "target": "c08", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.cashbook.com/about-bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-cashbook", "target": "c10", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.cashbook.com/about-bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-cashbook", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.cashbook.com/about-bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-trintech", "target": "c10", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.trintech.com/solution/cadency/, accessed 2026-05-10" ] }, { "source": "prod-trintech", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.trintech.com/solution/cadency/, accessed 2026-05-10" ] }, { "source": "prod-blackline", "target": "c10", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.blackline.com/solutions/account-reconciliations/, accessed 2026-05-10" ] }, { "source": "prod-blackline", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.blackline.com/solutions/account-reconciliations/, accessed 2026-05-10" ] }, { "source": "prod-floqast", "target": "c10", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.floqast.com/solutions/reconciliation-management/, accessed 2026-05-10" ] }, { "source": "prod-floqast", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.floqast.com/solutions/reconciliation-management/, accessed 2026-05-10" ] }, { "source": "prod-clearbank-accts", "target": "c01", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://clearbank.github.io/uk/docs/gbp-accounts/account-types, accessed 2026-05-10" ] }, { "source": "prod-clearbank-accts", "target": "c06", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://clearbank.github.io/uk/docs/gbp-accounts/account-types, accessed 2026-05-10" ] }, { "source": "prod-clearbank-accts", "target": "c07", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://clearbank.github.io/uk/docs/gbp-accounts/account-types, accessed 2026-05-10" ] }, { "source": "prod-modulr-accts", "target": "c02", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.modulrfinance.com/uk-safeguarding-information, accessed 2026-05-10" ] }, { "source": "prod-modulr-accts", "target": "c06", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.modulrfinance.com/uk-safeguarding-information, accessed 2026-05-10" ] }, { "source": "prod-modulr-accts", "target": "c07", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.modulrfinance.com/uk-safeguarding-information, accessed 2026-05-10" ] }, { "source": "prod-lhv-accts", "target": "c01", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.lhv.com/financialinstitutions/accounts, accessed 2026-05-10" ] }, { "source": "prod-lhv-accts", "target": "c06", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.lhv.com/financialinstitutions/accounts, accessed 2026-05-10" ] }, { "source": "prod-lhv-accts", "target": "c07", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.lhv.com/financialinstitutions/accounts, accessed 2026-05-10" ] }, { "source": "prod-ccloud", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.currencycloud.com/legal/regulation/, accessed 2026-05-10" ] }, { "source": "prod-ccloud", "target": "c11", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.currencycloud.com/legal/regulation/, accessed 2026-05-10" ] }, { "source": "prod-ccloud", "target": "c18", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.currencycloud.com/legal/regulation/, accessed 2026-05-10" ] }, { "source": "prod-marqeta", "target": "c03", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.marqeta.com/uk/demystifying-cards-guide/licensing-for-card-programme, accessed 2026-05-10" ] }, { "source": "prod-marqeta", "target": "c18", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.marqeta.com/uk/demystifying-cards-guide/licensing-for-card-programme, accessed 2026-05-10" ] }, { "source": "prod-audit-services", "target": "c15", "type": "supports", "label": "supports due-diligence control", "strength": "partial", "evidence": [ "https://www.kpmg.com/uk/en/home/insights/2025/08/ps25-12-safeguarding-regime-payments-e-money-firms.html, accessed 2026-05-10", "https://www.ey.com/en_uk/financial-services/changes-to-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10", "https://www.bdo.co.uk/en-gb/insights/advisory/financial-services/fca-ps25-12-strengthening-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10", "https://www.grantthornton.co.uk/insights/payments-and-e-money-safeguarding-what-firms-need-to-do-now/, accessed 2026-05-10", "https://www2.deloitte.com/uk/en/pages/financial-services/articles/fca-strengthens-the-safeguarding-regime-for-payment-and-e-money-firms.html, accessed 2026-05-10", "https://www.forvismazars.com/uk/en/services/financial-services/financial-services-insights/payments-and-e-money-firms-safeguarding-regime, accessed 2026-05-10", "https://www.rsmuk.com/insights/financial-services/fca-safeguarding-regime-for-payment-and-e-money-firms, accessed 2026-05-10" ] }, { "source": "case-biilz", "target": "c01", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/biilz-uk-ltd-2024.pdf, accessed 2026-05-10" ] }, { "source": "case-biilz", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/biilz-uk-ltd-2024.pdf, accessed 2026-05-10" ] }, { "source": "case-biilz", "target": "c06", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/biilz-uk-ltd-2024.pdf, accessed 2026-05-10" ] }, { "source": "case-biilz", "target": "c11", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/biilz-uk-ltd-2024.pdf, accessed 2026-05-10" ] }, { "source": "case-currency", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ] }, { "source": "case-currency", "target": "c08", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ] }, { "source": "case-currency", "target": "c09", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ] }, { "source": "case-currency", "target": "c10", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ] }, { "source": "case-currency", "target": "c11", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ] }, { "source": "case-currency", "target": "c17", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ] }, { "source": "case-premier", "target": "c01", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/premier-fx.pdf, accessed 2026-05-10" ] }, { "source": "case-premier", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/premier-fx.pdf, accessed 2026-05-10" ] }, { "source": "case-premier", "target": "c03", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/premier-fx.pdf, accessed 2026-05-10" ] }, { "source": "case-premier", "target": "c11", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/premier-fx.pdf, accessed 2026-05-10" ] }, { "source": "case-allied", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/statements/allied-wallet-limited, accessed 2026-05-10" ] }, { "source": "case-allied", "target": "c06", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/statements/allied-wallet-limited, accessed 2026-05-10" ] }, { "source": "case-allied", "target": "c11", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/statements/allied-wallet-limited, accessed 2026-05-10" ] }, { "source": "case-wirecard", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/requirements-imposed-wirecard-authorisation, accessed 2026-05-10" ] }, { "source": "case-wirecard", "target": "c06", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/requirements-imposed-wirecard-authorisation, accessed 2026-05-10" ] }, { "source": "case-wirecard", "target": "c07", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/requirements-imposed-wirecard-authorisation, accessed 2026-05-10" ] }, { "source": "case-wirecard", "target": "c18", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/requirements-imposed-wirecard-authorisation, accessed 2026-05-10" ] }, { "source": "case-rfx", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/rational-foreign-exchange-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-rfx", "target": "c11", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/rational-foreign-exchange-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-rfx", "target": "c17", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/rational-foreign-exchange-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-xpress", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/xpress-money-services-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-xpress", "target": "c11", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/xpress-money-services-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-xpress", "target": "c17", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/xpress-money-services-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-monneo", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/monneo-ltd-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-monneo", "target": "c11", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/monneo-ltd-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-jnfx", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/jnfx-ltd-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-jnfx", "target": "c11", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/jnfx-ltd-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-ipagoo", "target": "c02", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ] }, { "source": "case-ipagoo", "target": "c09", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ] }, { "source": "case-ipagoo", "target": "c12", "type": "evidence-for", "label": "evidence for control pattern", "strength": "full", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ] }, { "source": "case-biilz", "target": "wt-reg-rev", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/biilz-uk-ltd-2024.pdf, accessed 2026-05-10" ] }, { "source": "case-currency", "target": "wt-reg-rev", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ] }, { "source": "case-premier", "target": "wt-vol-can", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/premier-fx.pdf, accessed 2026-05-10" ] }, { "source": "case-allied", "target": "wt-reg-rev", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/statements/allied-wallet-limited, accessed 2026-05-10" ] }, { "source": "case-wirecard", "target": "wt-transition", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/requirements-imposed-wirecard-authorisation, accessed 2026-05-10" ] }, { "source": "case-rfx", "target": "wt-vol-can", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/rational-foreign-exchange-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-xpress", "target": "wt-reg-rev", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/xpress-money-services-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-monneo", "target": "wt-vol-can", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/monneo-ltd-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-jnfx", "target": "wt-vol-can", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/jnfx-ltd-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-ipagoo", "target": "wt-transition", "type": "classified-as", "label": "classified as", "strength": "full", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ] }, { "source": "prod-10x", "target": "ven-10x", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.10xbanking.com/, accessed 2026-05-10" ] }, { "source": "prod-saascada", "target": "ven-saascada", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://saascada.com/, accessed 2026-05-10" ] }, { "source": "prod-skaleet", "target": "ven-skaleet", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://skaleet.com/, accessed 2026-05-10" ] }, { "source": "prod-pismo", "target": "ven-pismo", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://pismo.io/, accessed 2026-05-10" ] }, { "source": "prod-cashbook", "target": "ven-cashbook", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.cashbook.com/about-bank-reconciliation/, accessed 2026-05-10" ] }, { "source": "prod-trintech", "target": "ven-trintech", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.trintech.com/solution/cadency/, accessed 2026-05-10" ] }, { "source": "prod-blackline", "target": "ven-blackline", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.blackline.com/solutions/account-reconciliations/, accessed 2026-05-10" ] }, { "source": "prod-floqast", "target": "ven-floqast", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.floqast.com/solutions/reconciliation-management/, accessed 2026-05-10" ] }, { "source": "prod-marqeta", "target": "ven-marqeta", "type": "produced-by", "label": "produced by", "strength": "full", "evidence": [ "https://www.marqeta.com/uk/demystifying-cards-guide/licensing-for-card-programme, accessed 2026-05-10" ] }, { "source": "doc-ps25", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/policy/ps25-12.pdf, accessed 2026-05-10" ] }, { "source": "doc-instr", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf, accessed 2026-05-10" ] }, { "source": "doc-psr23", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2017/752/regulation/23, accessed 2026-05-10" ] }, { "source": "doc-emr20", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2011/99/regulation/20, accessed 2026-05-10" ] }, { "source": "doc-pesar", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.legislation.gov.uk/uksi/2021/1178/contents, accessed 2026-05-10" ] }, { "source": "doc-cass10a1", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a2", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass10a3", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/10A/3.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass151", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass152", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/2.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass153", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/3.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass154", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/4.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass155", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/5.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass156", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass157", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/7.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-cass158", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-sup3a", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/3A/1.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-sup16", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SUP/16/14A.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "doc-perg15", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/PERG/15.html, accessed 2026-05-10" ] }, { "source": "doc-sysc15a", "target": "united-kingdom", "type": "applies-to", "label": "applies to UK perimeter", "strength": "full", "evidence": [ "https://www.handbook.fca.org.uk/handbook/SYSC/15A.html?date=2026-05-07, accessed 2026-05-10" ] }, { "source": "case-biilz", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/biilz-uk-ltd-2024.pdf, accessed 2026-05-10" ] }, { "source": "case-currency", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/supervisory-notices/first-supervisory-notice-currency-matters-limited.pdf, accessed 2026-05-10" ] }, { "source": "case-premier", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/publication/final-notices/premier-fx.pdf, accessed 2026-05-10" ] }, { "source": "case-allied", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/statements/allied-wallet-limited, accessed 2026-05-10" ] }, { "source": "case-wirecard", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/requirements-imposed-wirecard-authorisation, accessed 2026-05-10" ] }, { "source": "case-rfx", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/rational-foreign-exchange-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-xpress", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/xpress-money-services-limited-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-monneo", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/monneo-ltd-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-jnfx", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.fca.org.uk/news/news-stories/jnfx-ltd-enters-special-administration, accessed 2026-05-10" ] }, { "source": "case-ipagoo", "target": "united-kingdom", "type": "located-in", "label": "located in UK perimeter", "strength": "full", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ] }, { "source": "ven-kpmg-uk", "target": "c15", "type": "evidence-for", "label": "evidence for SUP 3A audit control", "strength": "partial", "evidence": [ "https://www.kpmg.com/uk/en/home/insights/2025/08/ps25-12-safeguarding-regime-payments-e-money-firms.html, accessed 2026-05-10" ] }, { "source": "ven-ey-uk", "target": "c15", "type": "evidence-for", "label": "evidence for SUP 3A audit control", "strength": "partial", "evidence": [ "https://www.ey.com/en_uk/financial-services/changes-to-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10" ] }, { "source": "ven-deloitte-uk", "target": "c15", "type": "evidence-for", "label": "evidence for SUP 3A audit control", "strength": "partial", "evidence": [ "https://www2.deloitte.com/uk/en/insights/industry/financial-services/safeguarding-regime-payments-e-money.html, accessed 2026-05-10" ] }, { "source": "ven-bdo-uk", "target": "c15", "type": "evidence-for", "label": "evidence for SUP 3A audit control", "strength": "partial", "evidence": [ "https://www.bdo.co.uk/en-gb/insights/industries/financial-services/ps-25-12-policy-statement-on-changes-to-the-safeguarding-regime-for-payments-and-e-money-firms, accessed 2026-05-10" ] }, { "source": "ven-grant-thornton-uk", "target": "c15", "type": "evidence-for", "label": "evidence for SUP 3A audit control", "strength": "partial", "evidence": [ "https://www.grantthornton.co.uk/insights/fca-safeguarding-regime-payments-and-e-money-firms/, accessed 2026-05-10" ] }, { "source": "ven-forvis-mazars-uk", "target": "c15", "type": "evidence-for", "label": "evidence for SUP 3A audit control", "strength": "partial", "evidence": [ "https://www.forvismazars.com/uk/en/insights/financial-services/changes-to-the-safeguarding-regime, accessed 2026-05-10" ] }, { "source": "ven-rsm-uk", "target": "c15", "type": "evidence-for", "label": "evidence for SUP 3A audit control", "strength": "partial", "evidence": [ "https://www.rsmuk.com/insights/financial-services/fca-safeguarding-regime-for-payment-and-e-money-firms, accessed 2026-05-10" ] }, { "source": "judg-re-allied-wallet", "target": "case-allied", "type": "evidence-for", "label": "cross-reference to forensic case", "strength": "full", "evidence": [ "https://www.bailii.org/ew/cases/EWHC/Ch/2022/1877.html, accessed 2026-05-10" ] }, { "source": "judg-re-allied-wallet", "target": "c12", "type": "evidence-for", "label": "evidence for resolution-pack control", "strength": "full", "evidence": [ "https://www.bailii.org/ew/cases/EWHC/Ch/2022/1877.html, accessed 2026-05-10" ] }, { "source": "judg-re-allied-wallet", "target": "c09", "type": "evidence-for", "label": "evidence for reconciliation shortfall control", "strength": "full", "evidence": [ "https://www.bailii.org/ew/cases/EWHC/Ch/2022/1877.html, accessed 2026-05-10" ] }, { "source": "judg-re-allied-wallet", "target": "c17", "type": "evidence-for", "label": "evidence for notification and shortfall control", "strength": "full", "evidence": [ "https://www.bailii.org/ew/cases/EWHC/Ch/2022/1877.html, accessed 2026-05-10" ] }, { "source": "judg-re-ipagoo", "target": "case-ipagoo", "type": "evidence-for", "label": "cross-reference to forensic case", "strength": "full", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10" ] }, { "source": "judg-re-ipagoo", "target": "judg-re-allied-wallet", "type": "complementary-to", "label": "companion judgment", "strength": "full", "evidence": [ "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/, accessed 2026-05-10", "https://www.bailii.org/ew/cases/EWHC/Ch/2022/1877.html, accessed 2026-05-10" ] } ], "legend": { "regulator": { "color": "#4B6CB7", "shape": "round-rectangle", "note": "Public authorities and public-source bodies anchoring regulatory evidence." }, "regulation": { "color": "#8B4513", "shape": "hexagon", "note": "Binding statutes, Handbook chapters and FCA policy instruments mapped to controls." }, "standard": { "color": "#2E8B57", "shape": "rectangle", "note": "Supervisory guidance and interpretive material used to read the regime." }, "control": { "color": "#F39C12", "shape": "diamond", "note": "Operational, governance and audit-trail controls buyers should test." }, "vendor": { "color": "#7F8C8D", "shape": "ellipse", "note": "Vendor-universe nodes included for due diligence, not ranking." }, "product": { "color": "#16A085", "shape": "vee", "note": "Product or service surfaces with public material mapped to controls." }, "licensed-entity": { "color": "#C0392B", "shape": "octagon", "note": "Named safeguarding, insolvency or court-material cases from primary sources." }, "status-class": { "color": "#8E44AD", "shape": "triangle", "note": "Outcome classes used to group forensic rows." }, "jurisdiction": { "color": "#34495E", "shape": "star", "note": "The jurisdiction perimeter for this UK-focused radar." } } }