OpenChainGraph Suite · ART-500 · UK Safeguarding · Payments and E-Money

CASS 15 Safeguarding Method Classifier

For each funds stream you declare, this answers three questions: are these relevant funds, is the method you assert for them (segregation under CASS 15.3, or an insurance policy or comparable guarantee under CASS 15.5) coherent with the account and instrument facts you supply, and where do the facts you have leave the answer open. Where the answer is judgment required, you get the question, the one input that would resolve it, and who decides, rather than a bare flag. Pairs with the ART-499 Safeguarding Reconciliation Check.

Segregation vs insurance or guarantee CASS 15.5.4R five conditions SUP 3A audit exemption indicator
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 coherence verdict is a consistency check on the facts as you declare them. Whether your firm has complied with CASS 15, and whether an insurance policy or guarantee is legally effective, are decided by your firm and its advisers and tested by your safeguarding auditor. This page gives no legal advice and produces no regulatory filing. It computes once when you press the button, stores nothing, runs on no schedule, and retains nothing.
Funds streams

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

Per-stream classification
SUP 3A safeguarding audit exemption indicator
Rationale
    Execution Hash (SHA-256)
    Why judgment required is never a bare flag

    A flag that says only "judgment required" tells a reader that something is unresolved without telling them how to resolve it, which in a supervisory setting is worse than saying nothing. Every judgment this page emits carries three things: what is undetermined, which single input would resolve it, and who decides. The answer to the last one is never this tool. On the receipt-to-segregation deadline in particular, this page reports what you declared and routes the question to judgment rather than asserting a deadline, because that deadline sits in the Electronic Money Regulations and the Payment Services Regulations, which CASS 15.3.1G points to rather than restates.

    Related

    Pairs with ART-499 CASS 15 Safeguarding Reconciliation Check, which compares your safeguarding requirement against your safeguarding resource for a given as-of date.