Run daily internal and external safeguarding checks on a D+1 schedule. Spot pool shortfalls early and build the evidence for your monthly return as you go.
Replace fragile spreadsheets with an auditable system of record across every safeguarded bank account and client wallet ledger.
Compare internal customer liability records against external segregated bank balances every business day, surfacing exact shortfall or excess movements before cut-off.
Retain every daily reconciliation run, break cause, and pool adjustment in a clear log structured for monthly return preparation and annual external audits.
Separate relevant client funds from corporate house funds across multiple banking partners and currency pools.
Flag differences between your internal requirement and external bank balances with their root transaction cause.
Keep transaction-level reconciliation histories and daily balance logs organised for CASS 10A retrieval.
Reconcile GBP, EUR, USD, and multi-currency safeguarding accounts with optional tolerance thresholds.
Not one reconciliation but a set, each on its own cadence, each leaving the record the next review will ask for.
Your own records reconciled against each other, so the ledger agrees with the transactions behind it before anything leaves the building.
Internal records reconciled against the balance actually held at the institution, with any difference surfaced rather than discovered later.
Run daily, on the following business day, so a discrepancy is a day old at most instead of a month.
Every check retained with its result and its cause, so the evidence behind a monthly safeguarding return is already assembled.
Built for FCA PS25/12 expectations: Under CASS 15, payment and e-money firms must show that internal ledgers match external safeguarding accounts every business day. Equali links each payment to its payout batch and bank statement line so compliance teams can inspect any variance in seconds.
The critical regulatory dates for UK payment & e-money institutions under FCA oversight.
Our UK implementation team configures your data feeds and reconciliation rules alongside your compliance and finance leads.
Pull internal wallet ledgers and payment processor data via API, and provide safeguarding bank statements in CSV, XLS, XLSX, or TXT via upload or SFTP.
Define relevant fund rules, multi-currency pools, optional tolerance thresholds, and break categories tailored to your firm.
Review daily D+1 variance reports, investigate flagged breaks, and generate customisable reports for your monthly return.
Customer Story"Thanks to Equali, we are able to control in detail the end-to-end flow of all transactions processed, giving us greater visibility and enabling us to detect any potential leaks or anomalies along the way."
Explore technical guides and architectures for automated reconciliation and accounting.
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Martin Burn · 23 July 2026Equali runs the daily internal and external checks required under FCA CASS 15. It matches ledgers to bank statements and retains each daily run for audit review.
Equali supports workflows under the FCA PS25/12 policy rules. Under those rules, CASS 15 has applied since 7 May 2026 for UK payment and e-money firms.
Equali logs daily pool requirements, bank balances, and break causes all month. Teams can then generate custom reports with the records needed behind their SUP 16.14A return.
Equali keeps daily check logs and transaction records from payment to payout in one central place. Firms can pull these reconciliation histories fast to support their CASS 10A resolution pack.
Equali matches segregated client fund accounts across multiple banks and entities. It supports multi-currency reconciliations and reporting with optional tolerance thresholds.
Equali retains every past D+1 run with its result and break cause. Teams can create custom reports and transaction logs to help external auditors finish reviews faster.
Connect your channels and providers, and let Equali reconcile, categorise and post every transaction. Start free, or see it on your own data.
