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AI Regulatory Co-Pilot
Query the regulatory intelligence corpus across all covered jurisdictions. Answers sourced from WPM structured research data — no external model calls.
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Specimen Output · W1b Conduct & Safeguarding
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Which jurisdictions require mandatory safeguarding accounts for client funds?
Multi-jurisdiction synthesis across statutory safeguarding trusts, daily reconciliation obligations, and independent audit requirements for authorised payment and e-money institutions.
United KingdomELEVATED
FCA Supplementary Safeguarding Regime (PS25/12; CASS 15 / CASS 10A / SUP 16.14A) in force 7 May 2026: daily reconciliation, resolution pack, and mandatory annual safeguarding audit.
European Economic AreaMONITORED
PSD2 Art. 10 / EMD2 Art. 7 segregation or insurance rules transitioning to PSR diversification and credit-institution concentration caps across EU/EEA member states.
SingaporeLOW
Payment Services Act 2019 s.23 requires Major Payment Institutions to safeguard relevant money via statutory trust account, bank undertaking, or guarantee by next business day.
GibraltarLOW
Financial Services (Payment Services) Regulations 2020 & GFSC ring-fencing rules mandate segregated client accounts and annual audit attestation for PIs and EMIs.
Click any preset question on the left to load full statutory citations across all monitored jurisdictions, or request a costed deeper dive.
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