Use Cases

Under prudential frameworks such as IFR / IFPR, regulated firms are required to maintain adequate capital levels on an ongoing basis and ensure that capital calculations accurately reflect their current exposures. Supervisory expectations increasingly focus on firms’ ability to monitor capital adequacy continuously, not only at reporting cut-off dates.

Timely identification of capital pressure is particularly important for firms with dynamic trading activity or intraday exposure changes.

Firms frequently encounter challenges such as:

• Reliance on spreadsheet-based capital calculations

• Delayed visibility into exposure changes

• Manual recalculation of capital requirements

• Limited early-warning mechanisms for capital pressure

• Increased operational risk from outdated or inconsistent data

As a result, exposure-driven capital breaches may only be identified after they occur, increasing supervisory and operational risk.

REGREP supports ongoing capital adequacy monitoring by calculating capital requirements continuously using data sourced from accounting, trading, and risk systems.

The platform:

• Applies relevant Pillar 1 capital rules automatically

• Continuously monitors exposure changes

• Recalculates capital requirements as underlying data updates

• Triggers alerts when predefined thresholds are approached or exceeded

• Provides transparent, auditable calculation logic

This enables firms to maintain a high level of regulatory readiness while reducing reliance on manual processes.

IFR / IFPR Pillar 1
Minimum Capital Requirements

• White Labelling
  Service provider model supporting multiple EU investment firms

• Implementation
  Deployment for investment firms with daily or continuous monitoring mandates

• Investment Firms (MiFID II / MIFIDPRU)

• Consultants and Regulatory Service Providers

Groups operating multiple regulated entities across the EU and third countries are subject to entity-level and consolidated regulatory requirements under various prudential, tax, and operational resilience frameworks. These requirements often span multiple jurisdictions, supervisory authorities, and reporting standards.

Maintaining consistency across capital adequacy, risk metrics, and regulatory submissions is particularly complex in group structures where entities operate under different local rules but are subject to group-level oversight.

Groups commonly face challenges such as:

• Fragmented regulatory data across entities and jurisdictions

• Inconsistent application of regulatory calculations and methodologies

• Duplicated reporting processes and oversight efforts

• Difficulty maintaining consolidated and entity-level audit trails

• Limited visibility into group-wide capital and risk positions

These challenges increase operational overhead and complicate supervisory interactions at both local and group level.

REGREP supports group-wide regulatory operations by providing a unified regulatory data and controls layer across all regulated entities within a group.

The platform enables:

• Alignment of capital calculations and risk metrics across entities

• Consistent application of reporting frameworks, taxonomies, and validation rules

• Centralised oversight of entity-level and consolidated reporting

• Audit-ready traceability across group structures

• A unified view of regulatory obligations at both entity and group level

This approach reduces duplication, improves consistency, and supports more effective group-level governance.

• IFR / IFPR Pillar 1
  Minimum Capital Requirements

• IFR / IFPR Pillar 2
  Internal Capital Adequacy and Risk Assessment (ICARA)

• IFR / IFPR Pillar 3
  Pillar 3 Disclosures / MIFIDPRU 8 Disclosures

• EBA Converter Pro+
  (IPU, REM, RESOL, MICA, DORA)

• CRS / FATCA Modules
  Jurisdiction-specific reporting (e.g. NL, CY, MU, SC, BZ, UAE, KE), as applicable to each entity

• EU and Third-Country Groups

• Investment Firms (MiFID / Offshore)

• Crypto-Asset Service Providers

• FinTech and Digital Finance Providers

The Crypto-Asset Reporting Framework (CARF), developed by the OECD and implemented in the EU through DAC8, introduces new reporting obligations for Crypto-Asset Service Providers (CASPs). These frameworks are designed to enhance tax transparency for digital-asset transactions, wallet transfers, and customer activity across jurisdictions.

As CARF / DAC8 requirements evolve and move toward enforcement, CASPs are expected to demonstrate readiness in terms of data availability, transaction traceability, and client identification structures, even before full reporting obligations formally apply.

CASPs preparing for CARF / DAC8 commonly face challenges such as:

• Incomplete or unstructured digital-asset transaction data

• Fragmented wallet, customer, and counterparty information

• Limited alignment between operational data and future reporting schemas

• Risk of rushed implementations once enforcement begins

• Increased implementation cost and operational disruption if preparation is delayed

These challenges make late-stage compliance efforts complex and risk-prone.

REGREP supports CARF / DAC8 readiness by enabling CASPs to prepare and structure reporting-relevant data in advance of formal reporting requirements.

The platform enables:

• Mapping of transaction flows and wallet movements into structured data models

• Alignment of customer profiles and cross-border activity with future reporting needs

• Early validation of tax identification and client data

• Consistent preparation for jurisdiction-specific CARF reporting structures

• A controlled transition from readiness to active reporting when requirements apply

This approach allows CASPs to move from preparation to reporting without operational disruption.

• CARF Module

• Global TIN API

• FATCA Module
  Alignment with evolving tax transparency structures

• Crypto-Asset Service Providers

• FinTech and Digital Finance Providers

• Accounting, Audit, and Advisory Firms

• Consultants and Regulatory Service Providers

Service providers supporting regulatory reporting on behalf of multiple clients must operate across multiple regulatory regimes, jurisdictions, and reporting formats. These may include prudential, tax transparency, and statistical reporting obligations, each governed by distinct supervisory or tax authorities.

Providers are expected to deliver accurate, consistent, and timely submissions at scale, while managing jurisdiction-specific schemas, validation rules, and client data segregation.

Service providers commonly face challenges such as:

• Fragmented client data across systems and jurisdictions

• Managing differing regulatory rules and reporting formats

• Manual preparation of reports for multiple clients

• Difficulty maintaining consistency at scale

• Operational risk in high-volume, multi-client environments

These challenges make it difficult to scale operations efficiently while maintaining quality and reliability.

REGREP supports service providers by offering a centralised regulatory reporting engine designed for multi-client and multi-jurisdiction environments.

The platform enables:

• Centralised management of client reporting data

• Automated data mappings across clients and jurisdictions

• Application of jurisdiction-specific schemas and validation rules

• Consistent generation of regulatory reports across frameworks

• Scalable operations without duplicating reporting logic

This allows service providers to deliver reliable reporting outputs while reducing operational complexity.

• EBA Converter Pro+

• CRS
  Per-jurisdiction reporting outputs

• FATCA Module

• Global TIN API

• White Labelling
  Branding and multi-tenant partner setup

Consultants and Regulatory Service Providers

The transition to ISO 20022 introduces a common, highly structured XML standard for payments, cash management, securities, and reporting messages. Financial institutions are increasingly required to support ISO 20022 formats to remain compatible with banking partners, payment rails, clearing systems, and evolving regulatory expectations.

Many legacy systems were not designed to produce ISO 20022-native messages, creating challenges during migration and increasing operational and integration complexity.

Organisations adopting ISO 20022 commonly face challenges such as:

• Legacy systems producing non-standard or semi-structured data

• Manual formatting of XML messages

• Costly and time-consuming system retrofits

• Limited schema validation and message consistency

• Operational delays during migration and parallel-run periods

These issues increase integration effort and create friction across payment and reporting workflows.

REGREP supports ISO 20022 adoption by enabling organisations to generate structured, schema-compliant XML messages from raw transactional and payment data.

The platform enables:

• Automated transformation of source data into ISO 20022 XML

• Generation of messages such as pain, pacs, camt, and auth

• Schema-driven validation to ensure structural correctness

• Consistent message generation across systems and use cases

• Compatibility with banking partners, payment rails, and clearing systems

This allows organisations to migrate to ISO 20022 in a controlled manner while reducing manual intervention and integration complexity.

Custom XML & API Transformation Engine

• Data Solutions
  Pipelines, storage, validation, and calculations

• Implementation
  System integration and deployment

• Payment Institutions and EMIs

• FinTech and Digital Finance Providers

• Investment Firms (MiFID II / MIFIDPRU)