One platform for FCA safeguarding operations.
Meet the FCA's new safeguarding requirements under PS25/12 in one platform.Meet the FCA's new safeguarding requirements under PS25/12 in one platform. Safeheld helps Payment Institutions, Electronic Money Institutions, and UK credit unions issuing e money run daily safeguarding reconciliations, monthly FCA reporting, breach detection, compliance workflows, audit readiness, AI Copilot, and continuous oversight.
Safeguarding positions
14 accounts · 3 open exceptions · run 06:12
Client settlement
100.8%
Merchant float
99.81%
Safeguarding positions
14 accounts · 3 open exceptions · 2 statements outstanding · run 06:12 UK time
GBP18,204,11818,352,904100.8%D+1 met, 09:41MatchedGBP6,410,5526,398,20499.81%D+1 met, 09:41Shortfall
EUR12,408,33012,445,120100.3%Statement pendingPart matched
USD6,802,4416,809,220100.1%D+1 met, 14:18MatchedSame day
FSA056 and SUP 16.14A returns produced
Zero
re-keying between ledger, bank and return
Every field
traced to the reconciliation run behind it
XBRL, RegData
export in the format the regulator expects
AI RECONCILIATION ENGINE
AI-powered payment services 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
Acquirer settlement, GBP 12,348
EX-2214Settlement received after the 16:00 cut-off, posts on D+1
SEPA inbound, EUR 4,110
EX-2213Payer reference truncated by the bank feed, matched on amount and value date
Operational workflows. Mapped to live obligations.
Multi-account, multi-currency three-way reconciliation
Continuous matching across every safeguarding account, reconciled simultaneously across GBP, USD, EUR, USDC, and USDT with rules-based automated resolution and full exception tracking.
Safeguarding account reconciliation
Coverage
99.84%
Safeguarding · UK-01 · GBP
Matched41,208,114
Safeguarding · NL-02 · EUR
Part matched12,904,880
Breach prevention and threshold alerting
Configurable coverage ratio monitoring with predictive breach detection that surfaces shortfalls hours before they become regulatory breaches.
Case BR-4417
Coverage at detection
99.84%
Shortfall
GBP 12,348
06:12
Reconciliation run detected coverage below 100.0%
06:19
Root cause proposed, acquirer settlement received after cut-off
FCA returns: auto-populated from platform data
SUP 16.14A, FSA056, FSA057, and FIN060a auto-populated from your live platform data, with no manual re-entry.
Regulatory return pipeline
SUP 16.14A
146/148 fields
FSA056
96/96 fields
SHA-256 signed verification certificates
Timestamped, immutable proof that client funds are protected. Shareable with banks and regulators via secure read-only links.
D+1 safeguarding timing verified
Relevant funds must be segregated by the close of the business day following receipt. Every receipt and segregation event is timestamped and tracked.
Operating Model
What changes operationally
- Safeguarding reconciliation runs continuously rather than at a daily cut, so the position is current when the team starts work.
- Every break carries its investigation, its resolution and its reviewer, so the evidence exists before the FCA or the auditor asks for it.
- The monthly return, the resolution pack and the annual audit evidence draw from the same sealed runs, so they cannot diverge.
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 Payment Institutions demo.
A 30-minute working session. We map your current setup against Payment Institutions 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