Safeguarding and licensing rules for payment companies
What UK, Canadian and US safeguarding and money transmission rules require of payment firms, how often, and the balance data each requirement depends on when money sits across banks, payout partners and wallets.
CASS 15 daily safeguarding reconciliationCASS 15 requires UK authorised payment institutions, e-money institutions, credit unions that issue e-money and small pa...CASS 15 safeguarding audit and monthly safeguarding returnSince 7 May 2026, every UK safeguarding institution must send the FCA a monthly safeguarding return within 15 business d...RPAA safeguarding of end-user funds in CanadaUnder section 20 of the Retail Payment Activities Act, a payment service provider that holds end-user funds until they a...US money transmitter permissible investmentsUnder section 10.03 of the CSBS Money Transmission Modernization Act, a licensed money transmitter must hold permissible...
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.