EDGE Bank

Banking and financial intelligence where people, organisations and agents are all real customers: accounts, payments, cards through a processor, lending and borrowing (agents as lenders and borrowers), KYC, KYB, KYA and know-your-domain in one journey, sanctions and PEP screening with a guaranteed miss rate, transaction monitoring on measured rates, a fraud-sharing network, credit reference on consented Open Banking data, agent payments and mandates, and a sponsor bank route before own permissions. Floors: Starling, Monzo, Revolut and the leading crypto platforms.

Capabilities (391)

• Accept a cheque deposit
• Access a read only evidence room
• Account for agent resource use
• Accrue deposit interest expense
• Acknowledge a complaint
• Act under a power of attorney
• Action an erasure or rectification request
• Activate a monitoring rule
• Activate a proposed rate
• Add a joint account holder
• Add a payee with name check
• Add or remove a signatory
• Agree a forbearance plan
• Amend a policy mid term
• Amend a repayment schedule
• Amend or cancel a standing order
• Analyse complaint root causes
• Answer a customer question from records
• Answer a subject access request
• Apply a database migration
• Apply a payment holiday
• Apply enhanced due diligence
• Apply for a business account
• Apply for a business loan or facility
• Apply for a loan
• Apply for a personal loan
• Apply reasonable adjustments
• Apply retention and deletion
• Approve a financial promotion
• Approve a new integration or API consumer
• Approve or decline an application
• Approve or reject a payment
• Assess a claim
• Assess an outsourcing or third party
• Assess income and expenditure
• Assess source of funds and wealth
• Audit partner usage
• Authorise card transactions in real time
• Back up the database
• Bill a partner
• Block a payment in flight
• Book an appointment
• Bulk payments
• Business team roles, approvals and accountant access
• Calculate and post interest accrual
• Calculate the liquidity coverage ratio
• Cancel a Direct Debit
• Cancel a policy
• Capital to outcomes ledger
• Cards
• Change contact details
• Claim a Direct Debit indemnity refund
• Close a business account
• Close a period
• Close an account
• Close an account
• Collect Direct Debits as an originator
• Collect premiums
• Compare cover options
• Complete entity tax classification
• Complete tax residency self certification
• Compute expected credit losses
• Confidence report
• Configure scheduled jobs
• Confirm balances as external auditor
• Connect accounts at other banks
• Contact a customer in arrears
• Continue a joint account after a death
• Create a monitoring rule
• Create a prospect record
• Create a savings product
• Create and release a hold
• Crypto wallet
• Decide a treasury proposal
• Decide an APP reimbursement claim
• Decide and file a SAR
• Decline with reasons
• Deploy a release as Jude
• Deploy a release through deploy.py
• Design a new lending product
• Detect a missed repayment
• Direct Debits
• Disburse a loan
• Disclose a vulnerability or need
• Disposition an alert
• Dispute a card transaction
• Disputes
• Draw down from a facility
• Enforce strong customer authentication
• Escalate a customer concern
• Execute a money market placement
• Exit a customer for financial crime
• Explain a transaction
• Export the evidence bundle
• Export transactions to accounting software
• Financing graph and independent demand
• Flag a mule account
• Fraud-sharing network
• Freeze or unfreeze a card
• Fund settlement accounts for rails
• Give or revoke open banking consent
• Grant an operator role
• Hand a case to a specialist team
• Hand work between agents
• Handle a Banking Protocol concern
• Handle a breathing space notice
• Handle a debt sale
• Handle a gambling block request
• Handle a mental capacity concern
• Handle a partner data request or deletion
• Handle a security incident
• Handle a trigger event review
• Handle a whistleblowing report
• Handle an indemnity claim as paying bank
• Hedge interest rate exposure
• Import a bank or rail statement
• Inspect a SAR audit trail
• Introduce a customer to a specialist
• Investigate a complaint
• Investigate a payment exception
• Investigate a production error
• Investigate a suspected fraud
• Invite a user with a role
• Issue a default notice
• Issue a final response
• Issue a finding to the bank
• Issue a policy
• Issue a replacement card in branch
• Issue an agent mandate
• Issue annual loan statements
• Joint accounts
• Lend
• Lift an account freeze
• Log an operational incident
• Log an outbound contact
• Maintain internal and nostro accounts
• Maintain the business wide risk assessment
• Maintain the chart of accounts
• Maintain the record of processing
• Maintain the regulatory obligations register
• Maintain the risk register
• Make a complaint
• Make a Faster Payment
• Make a regulatory notification
• Make an internal transfer
• Make an international payment
• Manage a syndicated participation
• Manage capacity
• Manage encryption and device binding
• Manage environments and secrets free config
• Manage foreign exchange positions
• Manage partner user access
• Manage payee name check responses
• Manage payment limits
• Manage senior manager responsibilities
• Manage the central bank reserve account
• Map important business services
• Mark a customer as a fraud victim
• Match statement rows to ledger legs
• Measure carbon, tokens and time to evidence
• Message a customer in a case
• Money provenance certificate
• Monitor CHAPS cut-offs and queue
• Monitor conduct and quality
• Monitor facility covenants
• Monitor intraday liquidity
• Monitor job runs and leases
• Monitor privileged actions
• Monitor product outcomes
• Monitor service health
• Monitor without blocking
• Notify a claim
• Notify a death and restrict accounts
• Notify a personal data breach
• Offboard a business customer
• Onboard a partner organisation
• Onboard an agent as a customer
• Open a business account
• Open a fixed term deposit
• Open a foreign currency account
• Open a personal account
• Open a personal current account
• Open a savings account
• Open a service case
• Open a transaction receipt
• Open virtual accounts under a master
• Order business cards for staff
• Overdraft
• Pay redress
• Perform a data protection impact assessment
• Perform an internal audit
• Place a temporary account freeze
• Plan a portfolio review
• Plan the internal audit year
• Post a manual journal
• Prepare a business proposition
• Prepare a compliance return
• Prepare a payment for approval
• Prepare a payment for human approval
• Prepare funds transfer pricing
• Prepare regulatory returns
• Prepare statutory accounts
• Process a Bacs input and output cycle
• Process a cheque clearing exception
• Process a counter cash deposit
• Process a counter cash withdrawal
• Process a loan repayment manually
• Process an inbound Faster Payment
• Process card clearing and settlement
• Produce a KYC file for review
• Produce a trial balance
• Produce the annual MLRO report
• Produce the FSCS single customer view
• Propose a future rate
• Propose a treasury credit
• Provenance coverage report
• Provide extra evidence on request
• Publish terms and conditions
• Pull and record a credit reference
• Query a mule account indicator
• Raise an internal suspicion report
• Receive a fraud intelligence signal
• Receive a rate change notice
• Recognise loan interest income
• Reconcile rail settlement
• Reconcile suspense accounts
• Record a credit decision override
• Record a customer meeting
• Record a customer risk assessment
• Record a declined application reason
• Record a regulatory breach
• Record a support need
• Record a vulnerability disclosure
• Record AML training completion
• Record and test a control
• Recover account access
• Recover funds from a receiving account
• Refer a complaint to FOS
• Refer to a debt collection agency
• Refer to debt advice
• Refund an unauthorised transaction
• Register a court appointed deputy
• Register a default with agencies
• Register a lasting power of attorney
• Register a new device
• Register a third party mandate
• Register and value collateral
• Register beneficial owners
• Regulator inspection
• Release estate funds
• Rely on another firm's due diligence
• Remove a joint holder
• Rename an account
• Renew a policy
• Reopen a period
• Repair a misdirected payment
• Repay or overpay a loan
• Report a bereavement
• Report a change of company details
• Report a lost or stolen card
• Report an APP scam
• Report an unauthorised payment
• Report complaints data
• Report fraud losses to the regulator
• Report fraud to Action Fraud or police
• Report insurance data to the regulator
• Report payment statistics
• Report to credit reference agencies
• Request a bank statement letter
• Request a company audit letter
• Request a covenant waiver
• Request a date of death balance letter
• Request a defence against money laundering
• Request a loan settlement quote
• Request a trade finance instrument
• Request affordability evidence
• Request an arranged overdraft
• Request an insurance quote from KYC
• Request further information
• Request money
• Request my personal data
• Request Owner approval for a consequential action
• Request records from the bank
• Reset access for a customer
• Resolve within 3 business days
• Respond to a production order
• Respond to an open banking payment request
• Responsible lending decision
• Restore from a backup
• Retire an agent
• Retry a failed job step
• Retry a failed occurrence
• Return an unapplied payment
• Reverse a journal with a linked entry
• Review a complaint file as FOS
• Review a loan application
• Review access rights
• Review an application queue
• Review APP reimbursement performance
• Review customer financial statements
• Review device and session signals
• Review operational resilience evidence
• Review SM&CR responsibilities
• Review the vulnerability register
• Revoke a role on leaving
• Revoke an agent mandate
• Roll back a release
• Rotate keys and device bindings
• Run a Consumer Duty outcomes review
• Run a disaster recovery test
• Run a fair value assessment
• Run a KYC check on a subject
• Run a ledger report for a period
• Run a liquidity stress test
• Run an annual relationship review
• Run due jobs as service actor
• Run due standing orders
• Run end of day payment reconciliation
• Run payroll payments
• Run penetration testing
• Run periodic KYC refresh
• Run protected reveals
• Run sanctions screening
• Run transaction monitoring
• Sample test receipts as external auditor
• Sanctions and PEP screening
• Save an unfinished application
• Savings pots and goals
• Schedule a future payment
• Scheduled payments
• Screen a list against sanctions
• Screen existing customers against list updates
• Screen for politically exposed persons
• Search transactions
• Security and devices
• Send a CHAPS payment
• Send a receiving bank APP notice
• Send money
• Set and control an agent's mandate
• Set and monitor exposure limits
• Set balance and payment alerts
• Set card limits and controls
• Set eligibility rules
• Set fees and charges
• Set joint operating rules
• Set loan terms and produce an offer
• Set negotiated pricing
• Set up a Direct Debit
• Set up a mandate
• Set up a standing order
• Set up merchant acquiring
• Settle a claim
• Settle and close a loan
• Solution bank funding
• Stop a savings enrolment
• Submit transactions for monitoring
• Support a customer in financial difficulty
• Support the external audit
• Switch account to EDGE Bank
• Terminate a partnership
• Trace ingress and egress
• Track remediation actions
• Transaction monitoring
• Transition a case state
• Triage a case queue
• Tune a fraud rule
• Underwrite a business facility
• Underwrite a policy
• Update communication preferences
• Upload a bulk payment file
• Validate a credit risk model
• Verify a caller or visitor
• Verify a company and its officers
• Verify a regulatory return against the ledger
• Verify a trust or charity
• Verify address evidence
• Verify an identity through EDGE ID
• Verify executor or administrator
• Verify identity evidence
• Verify identity in person
• View and download a statement
• View balances and available funds
• View multi account cash position
• View PIN securely
• Void an imported statement
• Withdraw a product
• Withdraw a proposed rate
• Withdraw an application
• Work the fraud alert queue
• Write a fraud case outcome letter
• Write off a debt