Pass FCA Authorisation — Before You Submit
Simulate the regulator. Eliminate contradictions. Enforce financial and policy integrity before your application is reviewed.
Three Enforcement Layers
How RAV Works
RAV is not a document management tool. It is a regulatory enforcement engine with three layers of validation that run before your application reaches the FCA.
Policy Hardening Engine
Deterministic control injection across every policy document. Enforces Single Source of Truth consistency, detects cross-document contradictions, and eliminates hallucinated or orphaned policy statements.
Financial Enforcement Engine
Licence-aware financial validation that applies the correct FCA capital rules for your specific licence type. Enforces safeguarding requirements, validates cost completeness, and checks revenue-volume coherence.
FCA Case Officer Interview Simulator
Simulates real FCA case officer interrogation — including contradictions, evidence gaps, and financial inconsistencies. Generates the Information Requests your application will face before submission.
Regulatory Reality Check
What the FCA Will Challenge
These are real examples of the challenges RAV surfaces — the same contradictions, gaps, and inconsistencies that FCA case officers will raise during assessment.
“Your safeguarding method is described inconsistently across your Safeguarding Policy, Business Plan, and Compliance Manual. Which is correct?”
“You have stated a fixed initial capital requirement for a Small EMI. Can you explain this given the EMR 2011 requirements that only Method D applies?”
“Your projected transaction volume in the financial model differs from the figure cited in your Business Plan. Which figure should we rely on?”
“Your AML/CTF Policy references customer due diligence procedures that do not appear in your Compliance Monitoring Programme. How are these monitored?”
Financial Enforcement
Regulatory Financial Integrity
Not a financial model. A regulatory financial validation engine. Prevents applications being rejected due to financial incoherence.
Capital Calculation
Methods A, B, C, and D — applied correctly per licence type. SEMI gets Method D only. EMI gets A, B, and D. API gets A, B, C.
Safeguarding Enforcement
EMR 2011 safeguarding logic validated against your chosen method. Asset segregation, insurance, or guarantee — consistently enforced.
Cost Completeness Validation
Every required regulatory cost item checked against licence type — safeguarding, compliance monitoring, audit, reporting.
Break-Even Realism
Revenue projections validated against volume assumptions. Unit economics enforced — selling price, variable costs, margin per service stream.
What This Prevents
Target Institutions
Built For
EMI / AEMI Applicants
Full-scope e-money institutions and agents preparing for FCA authorisation with complex safeguarding and capital requirements.
Payment Institutions Scaling to Authorisation
Registered Small PIs and APIs graduating to full authorisation, requiring comprehensive regulatory evidence packs.
Compliance Firms Preparing FCA Submissions
Consultancies assembling authorisation applications for clients who need institutional-grade enforcement and audit trails.
Legal Advisors Supporting Regulated Clients
Law firms advising on regulatory applications who need traceable, defensible evidence of every policy decision.
Engagement Model
Pre-FCA Survival Infrastructure
RAV is priced against the risk it eliminates — not as a monthly subscription. A single FCA rejection costs 6-12 months of delay and £50k-£150k+ in resubmission. RAV prevents that.
Entry
£2k - £5k
Per application
Policy hardening + financial validation
Full Simulation
£10k+
Per application
All engines + FCA case officer simulation + evidence pack
White-Label
Premium
For consultancies
RAV embedded in your advisory practice
Final Position