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    },
    {
      "primary_source_url": "https://www.fca.org.uk/publication/finalised-guidance/payment-services-electronic-money-approach.pdf",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "account-designation",
        "label": "Account designation",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Safeguarding accounts must be identifiable as safeguarding accounts rather than ordinary operating accounts."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
        "graph": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline.json",
        "review_date": "2026-05-09"
      }
    },
    {
      "primary_source_url": "https://www.fca.org.uk/publication/finalised-guidance/payment-services-electronic-money-approach.pdf",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "books-and-records-at-any-time-no-delay",
        "label": "Books and records at any time without delay",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Books and records must let the firm identify relevant funds and safeguarding positions without operational delay."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://www.fca.org.uk/publication/finalised-guidance/payment-services-electronic-money-approach.pdf",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "annual-safeguarding-audit",
        "label": "Annual safeguarding audit",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Safeguarding audit evidence tests whether controls operate, not only whether policy wording exists."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://www.fca.org.uk/publication/finalised-guidance/payment-services-electronic-money-approach.pdf",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "group-oversight",
        "label": "Group oversight",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Group arrangements must not obscure customer-fund ownership, bank-account control or safeguarding responsibility."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://www.fca.org.uk/publications/multi-firm-reviews/risk-management-wind-down-planning-emoney-payments-firms",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "resolution-pack",
        "label": "Resolution pack",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "A resolution pack preserves the records and access information needed to return funds or support administration."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://www.fca.org.uk/publications/multi-firm-reviews/risk-management-wind-down-planning-emoney-payments-firms",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "concentration-risk-management",
        "label": "Concentration risk management",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Safeguarding design must monitor exposure to banks, asset providers, jurisdictions and operational dependencies."
      },
      "review_record": {
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      }
    },
    {
      "primary_source_url": "https://www.lb.lt/en/centrolink",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "settlement-account-safeguarding-not-itself",
        "label": "Settlement account not safeguarding itself",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "A settlement account or payment-system balance is not automatically a compliant safeguarding method."
      },
      "review_record": {
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      }
    },
    {
      "primary_source_url": "https://www.lb.lt/uploads/documents/files/Rekomendaciju%20rastas%20MEPI%20ENG%202025.pdf",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "intraday-safeguarding-integrity",
        "label": "Intraday safeguarding integrity",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Intraday safeguarding integrity keeps liability, ledger and asset movements visible before the formal day-end comparison."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
        "graph": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline.json",
        "review_date": "2026-05-09"
      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2011/99/regulation/20",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "liability-scoping",
        "label": "Liability scoping",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "The firm must know which balances are relevant funds and which are outside the safeguarding liability."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
        "graph": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline.json",
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      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2017/752/regulation/23/data.html",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "account-designation",
        "label": "Account designation",
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        "subtype": "safeguarding control",
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      },
      "review_record": {
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        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2017/752/regulation/23/data.html",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "segregation",
        "label": "Segregation",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Relevant funds must be kept separate from other funds and protected from commingling."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
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        "graph": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline.json",
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      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2017/752/regulation/23/data.html",
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      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "liability-scoping",
        "label": "Liability scoping",
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      },
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      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2017/752/regulation/23/data.html",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "books-and-records-at-any-time-no-delay",
        "label": "Books and records at any time without delay",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Books and records must let the firm identify relevant funds and safeguarding positions without operational delay."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
        "graph": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline.json",
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    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2017/752/regulation/23/data.html",
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      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "d-plus-1-comparison",
        "label": "D+1 comparison",
        "type": "control",
        "subtype": "safeguarding control",
        "role": "Funds still held by the end of the business day after receipt must be placed or protected through the safeguarding method."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://clear.bank/",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
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        "subtype": "vendor",
        "role": "UK and EU clearing, embedded banking and safeguarding-account infrastructure provider."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://clear.bank/learn/insights/safeguarding-partners-for-emis-that-need-diversification-under-the-new-fca-rules",
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      "finray_reviewed": true,
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      "review_record": {
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    },
    {
      "primary_source_url": "https://clearbank.github.io/uk/docs/gbp-accounts/account-types/",
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      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
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      },
      "review_record": {
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        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://finray.tech/company/",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "finray-technologies-ltd",
        "label": "Finray Technologies Ltd",
        "type": "vendor",
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        "role": "Vendor of Corebanq, the Finray core banking product included under recusal."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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      }
    },
    {
      "primary_source_url": "https://finray.tech/platforms/corebanq/",
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      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "finray-technologies-ltd",
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      "review_record": {
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    },
    {
      "primary_source_url": "https://mambu.com/en",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "mambu",
        "label": "Mambu",
        "type": "vendor",
        "subtype": "vendor",
        "role": "Vendor of composable cloud banking and payments software."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
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        "graph": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline.json",
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      }
    },
    {
      "primary_source_url": "https://mambu.com/en/insights/articles/mambu-payments-automates-reconciliation",
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      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "mambu",
        "label": "Mambu",
        "type": "vendor",
        "subtype": "vendor",
        "role": "Vendor of composable cloud banking and payments software."
      },
      "review_record": {
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        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
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    },
    {
      "primary_source_url": "https://tuum.com/",
      "accessed_date": "2026-05-09",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "tuum",
        "label": "Tuum",
        "type": "vendor",
        "subtype": "vendor",
        "role": "Vendor of a modular core banking and payments platform."
      },
      "review_record": {
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    },
    {
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      "license": "CC-BY-4.0",
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      "review_record": {
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    },
    {
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      "finray_reviewed": true,
      "license": "CC-BY-4.0",
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        "type": "vendor",
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        "role": "UK and EU payments infrastructure provider with published safeguarding information."
      },
      "review_record": {
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    },
    {
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      "license": "CC-BY-4.0",
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      },
      "review_record": {
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      }
    },
    {
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      "license": "CC-BY-4.0",
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        "role": "Vendor of Vault Core and Vault Payments."
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      "review_record": {
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      }
    },
    {
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      "license": "CC-BY-4.0",
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      "review_record": {
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      }
    },
    {
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      "license": "CC-BY-4.0",
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        "role": "ClearBank clearing, account and embedded-banking infrastructure."
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      "review_record": {
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      }
    },
    {
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      }
    },
    {
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      "license": "CC-BY-4.0",
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        "label": "Regulator-driven revocation",
        "type": "status-class",
        "subtype": "forensic status class",
        "role": "Status class for cancellation or revocation by a regulator under enforcement powers."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline/",
        "graph": "https://finray.tech/intelligence/safeguarding-reconciliation-solvency-discipline.json",
        "review_date": "2026-05-09"
      }
    }
  ],
  "generated_at": "2026-05-10T23:11:06.816Z"
}