OpenChainGraph Suite · ART-499 · UK Safeguarding · Payments and E-Money

CASS 15 Safeguarding Reconciliation Check

Compares your safeguarding requirement against the components of your safeguarding resource for one as-of date you supply, and classifies the difference as reconciled, shortfall, or excess against a tolerance you set. Money is handled as integer minor units throughout, so the arithmetic is exact to the penny. Emits a hash-anchored OpenChainGraph v0.4 artifact. Pairs with the ART-500 Safeguarding Method Classifier.

CASS 15.8.26R resource components Internal or external reconciliation Fixed-point money math

Ruleset: FCA-CASS15-PS25-12 · FCA CASS 15 safeguarding rules, as made by PS25/12 · in force from 2026-05-07 · field set v1.0.0 · sourced from handbook.fca.org.uk on 2026-07-30

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

⚠ A shortfall or excess verdict is an arithmetic finding about the figures you supply here. Whether your firm has breached CASS 15 is decided by your own books and records and by your safeguarding auditor. This page produces no regulatory filing and gives no legal advice. It computes once when you press the button, stores nothing, runs on no schedule, and retains nothing.

Reconciliation

The demo figures below are synthetic and already loaded, so you can press Run without entering anything of your own.

As-of date (ISO yyyy-mm-dd, your input, never a clock read)

Currency

Reconciliation type

Tolerance (minor units, e.g. pence)

Safeguarding requirement (minor units) · CASS 15.8.29G Safeguarding resource components (JSON array: account_ref, component_type, amount_minor_units) · CASS 15.8.26R

Per-component contribution

Subtotals by CASS 15.8.26R component type

Rejected inputs

Rationale

Execution Hash (SHA-256)

What this does not do

It does not decide whether your firm has complied with CASS 15, it does not verify that the figures you supply are complete or accurate, and it does not perform your reconciliation for you. Your firm carries out a safeguarding reconciliation no less than once each reconciliation day because CASS 15.8.19R (internal) and CASS 15.8.42R (external) require that of the firm. This page is a calculator you reopen whenever you want one, and it runs nothing on your behalf between visits. Where the arithmetic shows a difference, CASS 15.8.50R sets out what a firm does about a shortfall or an excess.

Pairs with ART-500 CASS 15 Safeguarding Method Classifier, which classifies whether the method asserted for each funds stream is coherent with the account and instrument facts you hold.