RESOURCES

    Regulatory Guides & Compliance Insights

    In-depth guides on safeguarding frameworks, sector-specific obligations, and best practices for protecting client funds across every jurisdiction.

    MiCA· 12 min

    What is MiCA? The Complete Guide to EU Crypto-Asset Regulation

    A comprehensive guide to the EU Markets in Crypto-Assets Regulation: who it applies to, safeguarding requirements, compliance timelines, and what CASPs need to do now.

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    GENIUS Act· 10 min

    What is the GENIUS Act? The US Federal Stablecoin Law Explained

    A complete guide to the GENIUS Act: signed into law in July 2025. Covers reserve requirements, issuer obligations, federal vs. state oversight, and what stablecoin issuers must do now.

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    38 articles

    MiCA· 12 min

    What is MiCA? The Complete Guide to EU Crypto-Asset Regulation

    A comprehensive guide to the EU Markets in Crypto-Assets Regulation: who it applies to, safeguarding requirements, compliance timelines, and what CASPs need to do now.

    GENIUS Act· 10 min

    What is the GENIUS Act? The US Federal Stablecoin Law Explained

    A complete guide to the GENIUS Act: signed into law in July 2025. Covers reserve requirements, issuer obligations, federal vs. state oversight, and what stablecoin issuers must do now.

    PSD2· 12 min

    PSD2 Safeguarding: What the Rules Require in the EU and the UK

    Article 10 segregation and insurance methods, how national implementation differs, where the UK now sits under the PSRs, EMRs and CASS 15, and the current status of PSD3.

    PS25· 14 min

    PS25/12 and CASS 15: The FCA Safeguarding Requirements Explained

    What PS25/12 changed, and what CASS 15, CASS 10A, SUP 16.14A and SUP 3A require operationally from 7 May 2026.

    CASS· 13 min

    What is CASS? The FCA Client Assets Sourcebook Explained

    How the Client Assets Sourcebook is structured, which chapters apply to which firms, and where CASS 6 custody, CASS 7 client money and CASS 15 each begin.

    PS25· 10 min

    How Safeheld Automates PS25 Compliance for E-Money Institutions

    How EMIs are replacing manual safeguarding workflows with continuous verification: automated reconciliation, real-time breach detection, and audit-ready evidence under PS25.

    PS25· 10 min

    Payment Institution Safeguarding: Obligations, Reconciliation and Evidence

    What safeguarding requires of a UK payment institution: relevant funds, D+1 segregation, daily reconciliation, resolution packs, returns and audit.

    PI/EMI· 11 min

    How Safeheld Gives Safeguarding Banks Real-Time Visibility Over Client Portfolios

    How banks providing safeguarding accounts are using Safeheld to monitor EMI and PI compliance, manage risk scoring, and streamline acknowledgement letter processes.

    PI/EMI· 10 min

    How Safeheld Helps BaaS Providers Manage Safeguarding Risk Across Their Client Base

    How Banking-as-a-Service providers are using Safeheld to monitor safeguarding compliance across their portfolio of EMI and PI clients in real time.

    CASS· 9 min

    The CASS 15 Safeguarding Audit: What SUP 3A Tests and How to Prepare

    How the annual external safeguarding audit works, why population completeness is tested first, and how to prepare during the year.

    CASS· 10 min

    The CASS Head's Guide to Continuous Compliance Oversight

    How the individual holding client assets oversight uses real-time positions and automated alerting to maintain continuous oversight under CASS 1A.3 and CASS 15.2.4R.

    MiCA· 11 min

    How Safeheld Helps Crypto Custodians Meet MiCA Safeguarding Requirements

    How crypto-asset custodians are using Safeheld to automate MiCA Article 70 compliance: wallet reconciliation, asset segregation verification, and continuous reporting.

    Stablecoins· 10 min

    How Stablecoin Issuers Are Automating Reserve Attestation with Safeheld

    How issuers are replacing periodic reserve snapshots with continuous attestation: monitoring coverage ratios, generating auditor-ready evidence, and maintaining peg integrity.

    GENIUS Act· 10 min

    GENIUS Act Compliance: How US Stablecoin Issuers Use Safeheld

    How issuers subject to the GENIUS Act are using Safeheld to automate reserve verification, generate monthly attestation evidence, and maintain federal compliance.

    Crypto· 10 min

    How Safeheld Supports Crypto Exchanges in the Post-MiCA Regulatory Environment

    How centralised exchanges are using Safeheld to demonstrate client asset segregation, automate proof of reserves, and meet MiCA custody obligations.

    Reconciliation· 9 min

    How Safeheld Eliminates Spreadsheet Risk in Safeguarding Reconciliation

    Why spreadsheet-based reconciliation is the highest-risk component of most safeguarding programmes: and how automated reconciliation infrastructure replaces it.

    Reconciliation· 10 min

    Three-Way Reconciliation: How Safeheld Matches Across Ledgers, Banks, and Custodians

    A technical overview of Safeheld's three-way reconciliation engine: how it matches client positions across internal ledgers, bank statements, and external custodian records.

    Frameworks· 10 min

    PS25 and PSD3 Convergence: What UK Firms Should Prepare For

    How the simultaneous evolution of UK (PS25) and EU (PSD3) safeguarding frameworks is creating convergence pressure: and what dual-regulated firms need to know.

    MiCA· 10 min

    MiCA Article 75: What It Means for Client Asset Custody in Practice

    A practical analysis of the custody and administration obligations in MiCA Article 75, read with the Article 70 safekeeping duty, and how CASPs evidence segregation continuously.

    Stablecoins· 11 min

    GENIUS Act vs MiCA: How Dual-Jurisdiction Stablecoin Issuers Use Safeheld

    How stablecoin issuers operating under both the GENIUS Act and MiCA are managing dual-jurisdiction compliance through a single verification platform.

    PS25· 10 min

    FCA Enforcement Trends in Safeguarding: What Firms Must Learn

    An analysis of recent FCA enforcement actions related to safeguarding failures: common themes, increasing penalties, and how firms can demonstrate compliance maturity.

    Legal· 9 min

    How Safeheld Helps Law Firms Automate SRA Client Account Compliance

    How law firms are using Safeheld to automate SRA Accounts Rules compliance: client account reconciliation, interest obligations, and audit preparation.

    Gaming· 9 min

    How Safeheld Helps iGaming Operators Protect Player Funds

    How iGaming operators are using Safeheld to demonstrate player fund segregation, automate reconciliation, and meet Gambling Commission requirements.

    Insurance· 9 min

    How Safeheld Helps Insurance Intermediaries with CASS 5 Compliance

    How insurance intermediaries are using Safeheld to automate CASS 5 client money obligations: ICA requirements, risk transfer monitoring, and premium trust fund reconciliation.

    Platform· 11 min

    CASS 15 Safeguarding Reconciliation: Daily Requirements and Evidence

    What CASS 15 requires for internal and external reconciliation, where a daily duty genuinely exists, and what evidence must be retained.

    Platform· 10 min

    Safeguarding Breach Detection: Why Hours Matter Under PS25 and MiCA

    Why the gap between a safeguarding shortfall occurring and being detected is the highest-risk window for regulated firms: and how automated detection closes it.

    Platform· 11 min

    The CASS 15 Monthly Safeguarding Return (REP027): Filing and Board Packs

    How the SUP 16.14A monthly safeguarding return works, why it is not FSA056 or CMAR, and how to keep board packs agreeing with the filed return.

    Platform· 11 min

    Building a Defensible Governance Record for Client Fund Oversight

    How to construct a governance framework that withstands regulatory scrutiny: user attribution, timeline assembly, segregation of duties, and retention compliance.

    Platform· 10 min

    CASS 15 Resolution Packs and Evidence: What Regulators and Auditors Expect

    What a CASS 10A resolution pack must contain, how current it must be, and what evidence stands up to sampling in a safeguarding audit.

    Platform· 10 min

    How AI Is Transforming Safeguarding Compliance Operations

    How artificial intelligence is reshaping the daily work of compliance teams: from automated exception triage to anomaly detection and remediation planning.

    PS25· 14 min

    FCA Safeguarding Software: A Buyer's Guide for PIs and EMIs

    How to evaluate FCA safeguarding software under PS25/12 and CASS 15: reconciliation depth, shortfall correction, monthly returns, live resolution packs, audit evidence, and an eleven-point buyer's scorecard.

    PS25· 13 min

    PS25/12 Safeguarding Reconciliation Platform: What It Must Do

    Daily internal and external reconciliation, evidenced shortfall correction, monthly FCA returns, live resolution packs, and the sealed evidence standard the annual safeguarding audit now tests.

    CASS· 13 min

    CASS 15 Software for Payments Firms: Relevant Funds, Reconciliation and Records

    How CASS 15 software identifies relevant funds across the payment and e-money lifecycle, reconciles internally and externally each business day, and keeps records and resolution packs current.

    CASS· 13 min

    CASS 6 and CASS 7 Software: Custody and Client Money Control

    Internal custody record checks, external custody reconciliation, the client money requirement and resource calculation, same-day correction, and the reproducibility standard CASS auditors apply.

    PS25· 12 min

    EMI Safeguarding: What Electronic Money Institutions Must Do

    Relevant funds and outstanding e-money, the D+1 deadline, segregation versus insurance, daily reconciliation, and the balances EMIs get wrong.

    Platform· 11 min

    AutoRek Alternative: How to Evaluate a Replacement Properly

    What to test when comparing reconciliation platforms, why the residual break population matters more than the match rate, and how to migrate a client money control without a gap.

    Platform· 10 min

    Kani Alternative: Evaluating Safeguarding Platforms as You Scale

    Multi-regime coverage on one engine, break investigation depth, and independently verifiable audit evidence: the three tests that decide a safeguarding platform evaluation.

    Platform· 10 min

    Aurum Alternative: Comparing CASS and Safeguarding Reconciliation Platforms

    How to structure a fair comparison: the residual test, the onboarding test, the audit test, and the scale test: and where agentic investigation changes the economics.

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