Client money, controlled.
Safeheld reconciles client money every day, resolves every difference and prepares every regulatory return for sign-off.
Built by payments regulation specialists.
Our founders have 40 years' combined experience licensing and advising payment, e-money and digital asset firms, including these.
Statements in. Returns out.
Your bank statements in, each regulator's return out, and one reconciled position in between.
Your banks
Each regulator
NMLS
FCA
Bank of Canada
DNB
MAS
ASICDone every day.
From the bank statement to the regulator's return, approved by your team.
01 Reconcile
Reconciled every day, before your team starts work.
02 Resolve
Every difference explained.
03 Forecast
Funding needs, seen before they land.
04 Approve
Money moved with approval.
05 Report
Returns prepared on time, from the same figures.
Matched is not controlled.
A reconciliation can balance to the penny and still leave customers exposed. Safeheld checks what a match cannot.
- The right companyEach company's money against its own customers, never offset against another company in the group.
- The right assetsOnly accounts and assets that count under that entity's rules.
- The right timeChecked at each regulator's deadline, every business day.
- The right obligationsWhat is owed, under the rules of that licence.
For firms that hold other people's money.
One licence
A small finance team and a handful of banks.
Daily reconciliation, differences resolved, approvals and the monthly return, without spreadsheets or extra hires.
Growing into new countries
A second licence and a new regulator.
Each company reconciled in its own currency and checked against its own regulator, in one view.
Partner banks
Money held for fintech partners.
Each partner programme reconciled to its end customers every day, ready for your examiners.
Works with statements from your banks.
The banks you already use, in one reconciled position.
Guides for finance and compliance teams.
All guidesQuestions.
What does Safeheld replace?
The daily work your team does today in spreadsheets: reconciling client money, chasing differences, planning funding and preparing regulatory returns. Safeheld does it every day; your team reviews and approves.
Which regulators do you cover?
The UK monthly safeguarding return is produced ready to file. Prepared packs cover state regulators in the US, the Bank of Canada, De Nederlandsche Bank, the Monetary Authority of Singapore, the Hong Kong Monetary Authority and ASIC in Australia.
How do bank statements come in?
Sent automatically by your bank or uploaded by your team, in the statement files your bank already sends, or as CSV or Excel. Your own systems can send figures directly.
Does Safeheld move money?
Safeheld proposes top-ups, withdrawals and transfers and routes them for approval. Payments are made through your bank and recorded against the position.
Is Safeheld for smaller firms?
Yes. Most firms that hold client money run finance with a small team. Safeheld does the daily reconciliation, works the differences and prepares the returns, so your team reviews and approves rather than prepares.
How is our data protected?
Two-step sign-in, roles from administrator to read-only, a full record of every change, and records locked so they cannot be changed, which anyone can check.