Every safeguarding number needs a witness.

Close safeguarding with evidence across internal transactions, provider settlements, account movements and merchant payouts for UK payment and e-money teams.

10-business-day evidence diagnostic for one UK authorised PI or EMI, one entity and one segregation method, from £5,000 after a controlled data-shape review.

Request the 10-day diagnostic Inspect the evidence

Finentro traces the daily position from source record to reviewer decision. Deterministic arithmetic, visible breaks and accountable human approval.

No funds handled or movedDeterministic calculationMaker and checker review

FINENTRO / CONTROL 31.08.26Synthetic evidence pack

Candidate

01 · Internal transactions124 transactions

→

02 · Provider settlements3 batches

→

03 · Account movements7 movements

→

04 · Optional payout register4 questions

Expected payout sourceSeparate payout register selectedExplicit selection retained with the run

Candidate closing positionGBP 23.00

Evidence state124 matched · 4 review

Decision ownerSafeguarding Officer

Every figure retains its source reference, calculation route and review status. Missing evidence stays missing.

Built for the person who must explain the number tomorrow morning.

Sources: Statements, providers, ledger and payouts
Control: Deterministic D+1 calculation
Output: Breaks, lineage and frozen evidence

The daily risk is not arithmetic. It is proving the path.

A merchant sale becomes a provider record, a settlement batch, an account credit and eventually a payout. When one link is weak, the safeguarding conclusion is weak too.

InternalMerchant sale recordedMerchant and transaction IDs

ProviderBatch calculatedGross, fees and net

AccountCredit or debit unresolvedExact reference and currency

Finentro does not match by amount alone. Duplicate, missing or conflicting evidence remains an attributed exception.

A four-link evidence chain, then a human decision.

Three reports are required. A separate payout register is optional and must be selected explicitly if used.

1
Internal transactions
Anchor each sale with merchant, internal and provider transaction IDs, date, amount and currency.
2
Provider settlements
Recalculate gross, fees and net, then group exact settlement batches.
3
Account credits and debits
Link settlement credits and merchant payout debits by reference, merchant identity and currency.
4
Candidate outstanding merchant funds
Roll opening candidate amounts plus sales less expected payouts, with exceptions and source rows attached.

Every result should answer: show me the evidence.

Select a synthetic row to inspect its calculation, source lineage, boundary and required human action.

Synthetic evaluation data

Merchant-funds evidence registerLast evaluated 09:42 · 5 rows

Stage	Reference	Merchant	Expected	Actual	State	Review
Transaction	PROV-9001	MERCHANT-001	GBP 100.00	GBP 100.00	Matched	Unreviewed
Settlement	SET-7001	Multiple	GBP 147.00	GBP 147.00	Matched	Unreviewed
Payout	MP-5001	MERCHANT-001	GBP 98.00	GBP 98.00	Matched	Unreviewed
Account	ACC-EX-01	n/a	n/a	GBP 5.00	Unmatched evidence	Follow-up
Roll-forward	GBP	Aggregate	Opening GBP 20.00	Closing GBP 23.00	Candidate only	Officer approval

The engine links records. Your firm determines treatment.

Raw sales are not the legal safeguarding requirement. The regulated institution owns scope, methodology and approval.

Deterministic engine

Exact IDs, references, currencies and integer minor-unit arithmetic. Simultaneous exceptions stay visible.

Calculation

Review workflow

Stable row IDs, file fingerprints, stale invalidation and append-only attributed history.

Evidence

Safeguarding Officer

Determines legal scope and accepts, rejects or follows up the candidate schedule.

Decision

What your team gets after the diagnostic.

A controlled operational schedule, not legal advice, an audit opinion or regulatory certification.

01Source and mapping register

Required fields, payout-source selection and rejected data gaps.

02Transaction and settlement links

One-to-one matches with missing, duplicate, currency, amount and formula exceptions.

03Merchant payout evidence

Expected payout to account debit links without inferred sources.

04Complete evidence export

Formula-safe CSV and JSON with every row and review event.

Ten business days to expose the evidence gaps.

One entity, one segregation method, agreed currencies and synthetic or formally approved extracts. From £5,000 after a controlled data-shape review.

Request the data-shape review

Initial enquiry only. Do not attach data. Secure transfer, privacy and minimisation controls must be agreed before any approved evidence exchange.

Days 1–2
Scope and map
Confirm reports, identifiers, payout source and control boundary.
Days 3–7
Run and investigate
Trace transactions, settlement batches and account movements.
Days 8–10
Review and hand over
Validate exceptions and the candidate schedule with accountable reviewers.

Designed for a narrow, accountable first engagement.

Good fit

A UK authorised PI or EMI using the segregation method.
One entity with agreed currencies and identifiable transaction, settlement, account and payout records.
Synthetic or formally approved test extracts can be shared through agreed secure controls.
A Safeguarding Officer and operational reviewers can own methodology and decisions.

Not a fit

You need legal advice, an audit opinion or FCA certification.
You need Finentro to move funds, execute payouts or remediate a shortfall.
You want to upload production data to the public workbench or send it by email.
You need an automated legal safeguarding requirement without accountable human approval.

Evidence software outside the money flow.

Finentro does not receive, hold, settle, redirect or pay merchant funds.

Approved evidenceread-only dataFinentro controlcandidate scheduleFirm approval

Customer fundsremain withProvider / accountnever enterFinentro

Synthetic public data onlyDo not upload production or customer data.

No legal, audit or FCA assuranceFinentro does not provide legal advice, audit assurance, FCA certification or a compliance opinion.

No funds movementFinentro cannot initiate settlements, account transfers or merchant payouts.

Questions a buyer should ask before starting.

Is the candidate closing amount the legal safeguarding requirement?

No. It is an operational evidence roll-forward. The Safeguarding Officer must determine scope and treatment under the firm's approved methodology.

Does Finentro infer the merchant payout source?

No. The user must select internal report, provider report or a separate payout register. Conflicting populated sources are rejected.

Can Finentro move an unmatched amount?

No. It reports the exception and remains outside the money flow.

Can real data be used in the public workbench?

No. Use synthetic data only. Contact info@saffintech.com without attaching data to discuss a controlled diagnostic.

Make the next safeguarding review easier to defend.

Start with one entity, one method and the data your team already uses. No production data by email.

Request the diagnostic

No funds moved · no legal or audit opinion · Safeguarding Officer approval required