EMR 2011 safeguarding verification for UK e-money institutions.
Built for Authorised and Small EMIs operating under the Electronic Money Regulations 2011 and the PS25/12 Supplementary Regime.Built for Authorised and Small EMIs operating under the Electronic Money Regulations 2011 and the PS25/12 Supplementary Regime. Safeheld automates relevant funds calculation, safeguarding method verification, acknowledgement letter management, and FCA reporting in one continuously verified platform.
E-money float verification
Float fully backed · verified 06:12 today
Consumer wallets
Segregation
Business wallets
Segregation
E-money float verification
Outstanding e-money reconciled to safeguarded funds every business day
AI RECONCILIATION ENGINE
AI-powered EMR 2011 reconciliation.
The AI engine reads your live reconciliation data and applies the correct regulatory framework automatically. Five structured actions, auto-match, explain exceptions, detect anomalies, generate board narratives, draft remediation plans.
Auto-match with confidence scoring
Fuzzy-matches client liabilities against safeguarded balances: with confidence scores on every pair
Exception analysis with citations
Root cause analysis for every unmatched item, citing the correct regulation
Board-ready narratives from live data
Institutional-grade reconciliation summaries generated from your current position
Exception investigation queue
Distributor remittance, EUR 11,238
EX-1420Remittance received after the segregation cut-off, segregates D+1
Redemption in flight, GBP 4,006
EX-1418Redemption debited from the float before the customer ledger updated
Operational workflows. Mapped to live obligations.
Relevant funds calculation: Reg 20–22
Automated relevant funds calculation using the average outstanding method. Customer liability is tracked in real time against safeguarded balances.
Relevant funds reconciliation
Coverage
99.90%
Segregated · GBP
Matched44,118,006
Segregated · EUR
Part matched9,204,118
Safeguarding method verification
Method A (segregation), Method B (insurance), or Method C (guarantee) tracked and verified continuously, with method switching documented.
Case BR-1740
Coverage at detection
99.90%
Shortfall
EUR 11,238
06:10
Run detected a shortfall against issued e-money
06:18
Cause proposed, distributor remittance received after cut-off
Acknowledgement letter compliance
Every safeguarding bank acknowledgement letter is tracked, including signed date, expiry, renewal alerts, and bank confirmation of no set-off rights.
Regulatory return pipeline
EMR reg. 21
38/38 fields
FSA056
94/96 fields
FCA regulatory returns: auto-populated
EMR-specific FCA returns auto-populated from live data, with full submission history and acceptance tracking.
Related resources
View allPS25/12 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.
PS25How 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.
PS25Payment 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.
AI COPILOT
Ask questions. Get answers from live data.
Ask questions about your compliance position in plain English. Generate audit-ready reports and board narratives from live data.
Request a EMR 2011 demo.
A 30-minute working session. We map your current setup against EMR 2011 obligations and show you what Safeheld would automate.
Connect
Bank, ledger and processor data in one model
Reconcile
Liabilities against the funds that protect them
Resolve
Shortfalls and breaks routed for investigation
Prove
An auditable evidence trail behind every run