PS25/12 & supplementary regime
PS25/12 safeguarding reconciliation platform
The FCA’s PS25/12 policy statement and the supplementary regime for safeguarding and prudential risk management change what EMIs and payment institutions must demonstrate in practice. Guardexia is designed as a single operational layer: safeguarding reconciliations, capital adequacy monitoring, and wind‑down readiness—with viability decision support, staged progression controls, and audit trails that match how supervisors actually review firms.
EU coverage (PSD2 Article 10)
Guardexia also supports EU-regulated payment institutions and EMIs under PSD2 Article 10. The same workflows and evidence model are used, but all compliance outputs (reconciliation wording, audit trail references, breach/board pack labels, capital adequacy method presentation, wind-down trigger references, and monthly regulatory exports) are rendered jurisdiction-aware from your firm’s selected regime.
What PS25/12 means operationally
At a high level, you need to show that client money is safeguarded in line with your method (segregation, insurance/guarantee, or permitted liquid assets where appropriate), that you run reconciliations that pick up discrepancies in time, and that prudential indicators and wind‑down planning are not orphaned in a slide deck. The gap most firms hit is not “we don’t have a policy”—it’s proving the policy was followed on each date with named actions and approvals.
Safeguarding reconciliation under the supplementary regime
Guardexia lets you ingest bank and customer position data (manual upload or API), compute totals and differences per balance date, and classify outcomes against your firm’s exception and breach thresholds. You get variance flags when balances move unusually versus prior submissions, and a breach register that ties to incidents and closure—so “open” items are visible until they are genuinely remediated, not until someone updates a spreadsheet.
Prudential and wind‑down in the same tenancy
The same platform supports prudential snapshots (capital headroom, buffers, method‑appropriate inputs) and wind‑down trigger tracking—plus coverage ratio and runway outputs—so board packs and supervisory visit packs can pull a coherent story: safeguarding position, capital position, and operational resilience in one place. Role‑based access keeps makers, checkers and admins in their lanes.
Why teams choose Guardexia for PS25/12 readiness
- Evidence by default — Audit events for uploads, submissions, approvals and exports.
- Configurable thresholds — Align exception and breach logic with your risk appetite and policy.
- Governance gating — Risk acknowledgement and explain-your-position controls before attestation.
- Exports — Monthly returns and board packs structured for governance and regulator conversations, including viability context.
Start with a free trial or review pricing. For CASS‑aligned client money workflows, see CASS 15 compliance software. For reconciliation‑first messaging, see automated safeguarding reconciliation.