tamio
For regulated payment and stablecoin firms

Know your client money is safe,
and prove it.

Tamio continuously checks that you hold enough client money in the right places, the way your regulator measures it.

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Tue 6 Oct · cut-off 07:00⌘KOSOmar Saeed · CFO
Shortfall3 of 4 accounts are covered.USD is $666k short of what customers are owed under FSRA COBS 14. Your ledger shows a surplus of $180k: it counts Bank B, which has no acknowledgement letter.Read 07:34 · 13 of 13 sources
Sign off with exceptions
USDFSRA COBS 14
Shortfall
−$666k short · 97.3% of owed
Owed$24.35mHeld$23.68m
AEDFSRA COBS 14
Covered
+AED 410k over · 102.3% of owed
OwedAED 18.2mHeldAED 18.61m
USDCFSRA COBS 14
Covered
+18.4k USDC over · 104.8% of owed
Owed379.8kHeld398.2k
GBPUK entity · FCA CASS 15
Covered
+£110k over · 101.3% of owed
Owed£8.42mHeld£8.53m
ACTIONS REQUIREDShow all (6)
Bank B does not qualify: no acknowledgement letter on file+$600k to USDToday
Upload letter
$310k of receipts in the operational account past next-day segregation+$310k to USDOverdue since Mon 5 Oct
Approve transfer
Next projected low · Fri 9 Oct · USD −$7.6k after today’s actionsOvernight: 6 causes identified · 1 rule applied
Illustrative data

Your books can balance while client money is short.

Reconciliation proves your records agree. It doesn’t prove client money is covered.

If you don’t find the gap first, your auditor, bank or regulator will.

When UK payment firms failed, clients were short 65% of their money on average.

Source: FCA CP24/20
01 Overdrawn accounts netted off: $120k 02 $600k at a bank with no letter on file 03 $260k sent to a partner after Friday’s check What you owe What counts Short MON TUE WED THU FRI SAT Illustrative data

Tamio is the lifeguard for your
client money.

OVERNIGHT

Watches.

Rebuilds what you owe, works out what every account should hold, and checks it’s really there. If a source goes quiet, you’ll know.

Sources checked Last run 07:52
Bank A · GBP safeguardingChecked
PSP · EUR settlementChecked
USDC · custody walletChecked
Customer ledgerChecked
Bank B · USDCan’t confirm
Illustrative data
DAYS BEFORE

Warns.

Friday’s shortfall shown on Tuesday, with the fix drafted.

Shortfall forecast · owed vs held, next 5 days Risk ahead · Fri 24 Oct
Pre-fund Thu 16:00 Fri −€11,800 Owed Held MON TUE WED THU FRI
Pre-fund €12,000 to EUR PSP pool by Thu 16:00
Illustrative data
WHEN A BREAK APPEARS

Steps in.

Groups breaks by cause, traces each to the source that changed, and drafts the fix. Breaks inside your tolerances don’t reach you.

Recurring cause Illustrative data
PSP settles late every Friday Caused 6 of 9 breaks this quarter. Drafted rule: hold a Friday buffer equal to the expected settlement lag. Rule approved by Rania Haddad v1 · approved 14 Oct
Fewer breaks every month 9 → 2 breaks · last 4 months
WHEN SOMEONE ASKS

Proves it.

Proof of funds, every check and the exception register, ready for your auditor. No more partner screenshots in a spreadsheet.

Shortfall log All requirements met
Identified Amount Fixed in Approved by Tue 14 Oct · 07:12€12,4004h 10mR. Haddad Fri 3 Oct · 18:40£86,2002h 05mJ. Okafor Mon 22 Sep · 09:0331,500 USDC6h 30mR. Haddad
Illustrative data
COMING NEXTMake safeguarded money work harder.
Put idle money to work Invest excess funds in regulator-approved products.
Use insurance, not cash Size safeguarding cover from your own daily data.

How Tamio works.

1 · CONNECT
Where the money isBanks, partners and wallets
What you oweYour customer ledger
What you didOrders, transfers and payouts
What’s comingScheduled payouts and settlements
2 · CHECK
What you oweRebuilt the way your rule measures it
What you should holdFrom what you did
Whether it’s really thereAt every bank, partner and wallet
Whether it’s enoughAccount by account, around the clock
3 · ACT
A morning answerCovered or short, sent to Slack or email
Fixes ready to approveThe cause found and the fix drafted
Proof for anyoneAny day, shared in one link
Every result recorded and locked

Tamio reads, checks and drafts. You approve. You move the money.

YOUR TEAMThe Tamio appBrief, approvals and proof in one place.
YOUR AGENTSComing soonThe Tamio API and MCP serverYour agents query positions and evidence directly.
Already reconciling? Tamio uses it. First results within three weeks. Nothing to migrate.

Built for money that never stops.

In-house (spreadsheets, scripts or agents) Safeguarding software Tamio
Checks When someone runs them Each business day, at the deadline Around the clock, on every rail
What you owe Your ledger’s figure The figure you supply Rebuilt the rule’s way, every difference explained
What you should hold Partly, if you build and maintain a second ledger Not shown Worked out from what you did, checked against every source
Banks, partners and wallets One integration per source, kept up by you Built for bank accounts Banks, partners and wallets in one position
Repeat breaks Fixed again each time Worked one by one Turned into a rule you approve
Your own cash In a separate spreadsheet Not shown Headroom and misplaced money, shown as cash
Your build and your agents Yours to check Replaced Checked and recorded through the API
Checks Tamio: Around the clock, on every rail Safeguarding software: Each business day, at the deadline In-house: When someone runs them
What you owe Tamio: Rebuilt the rule’s way, every difference explained Safeguarding software: The figure you supply In-house: Your ledger’s figure
What you should hold Tamio: Worked out from what you did, checked against every source Safeguarding software: Not shown In-house: Partly, if you build and maintain a second ledger
Banks, partners and wallets Tamio: Banks, partners and wallets in one position Safeguarding software: Built for bank accounts In-house: One integration per source, kept up by you
Repeat breaks Tamio: Turned into a rule you approve Safeguarding software: Worked one by one In-house: Fixed again each time
Your own cash Tamio: Headroom and misplaced money, shown as cash Safeguarding software: Not shown In-house: In a separate spreadsheet
Your build and your agents Tamio: Checked and recorded through the API Safeguarding software: Replaced In-house: Yours to check

Already reconciling? Tamio uses it. Built your own agents? Point them at Tamio’s API.

Tamio can look, never touch.

Read-only. Can’t move money or change your books.
Your approval first. Every action names its approver.
Customer data stays home. No names or KYC data leave your systems.
Your environment. Encrypted, isolated, never used to train a model.
Penetration tested before live access. Working towards SOC 2.

Questions

We could build this in-house.

You could. In practice, the work to track what every account should hold keeps losing to revenue projects, and the know-how ends up with one person. Tamio is an independent check on your reconciliation, which carries more weight with a regulator than checking your own work.

How do you know the balance a bank or partner gives you is right?

We don’t take it on trust. Tamio works out what each account should hold from what you did — orders, transfers, payouts — and checks the reported balance against that. Any difference becomes a break with its cause.

We already use safeguarding software. Does Tamio replace it?

It can, or it can sit alongside it at first. Most teams start by adding Tamio’s forecasting, root-cause rules and stablecoin coverage, then decide whether they need both.

Will my auditor accept it?

Every check, approval and fix is recorded in a locked log, mapped to the safeguarding rule it supports. Your auditor can get a read-only view of any date.

How much work is setup?

Read-only access or exports, your fund-flow document and one finance owner to set rules. First results within three weeks of a sample.

Which regulators?

Built first for firms safeguarding in the UAE (ADGM, VARA and CBUAE), then the UK (FCA, CASS 15). Each entity is checked against its own rules, currency and deadline.

Will you tell us where to put our money?

No. Tamio shows facts about your own pools. Investing and insurance options will come from regulated partners, and the decision stays yours.

What does it cost?

Priced by the number of accounts and entities monitored. We’ll give you a number on the first call.

No surprise shortfalls.Gaps seen days ahead, not found the next morning.
Audit-ready any day.Any date’s position, approvals and evidence in seconds.
Less cash locked up.See your headroom and money in the wrong place.

Tomorrow at 7:58, know your client money is covered.

In 30 minutes we’ll show you where firms like yours usually break, and what Tamio would have caught.

Book a safeguarding demo