RegX³ Platform Gateway
AUTONOMOUS REGULATORY COMPLIANCE & BALANCE SHEET INTELLIGENCE

Stop Payment Fraud.
Validate Accounts.
Shield Balance Sheet Risk.

Real-time pre-flight transaction defense, zero-float FedACH verification, and autonomous wholesale balance-sheet intelligence—engineered for commercial originators, enterprise merchants, and the financial institutions that power them.

For Businesses: Fraud Protection → For Banks: Institutional Suite →
Systems Operational • 99.99% Availability SLA (Fail-Open Active)

NACHA Ready

Fully Rulebook Compliant

Account Validation

Stops Returned Payments

Real-Time Defense

Blocks Fraud At Checkout

Early Warning Radar

Prevents Fines & Penalties

Two Dedicated Solutions. One Security Platform.

Choose your operations portal below to view live monitoring, audit tools, and compliance safeguards.

COMMERCIAL & MERCHANT DEFENSE

Transaction Defense

High-velocity checkout protection and automated Nacha account validation built for eCommerce storefronts, commercial billing platforms, and third-party senders.

  • • Fraud Defense Engine: Pre-authorization card-testing and bot interception in under 50ms before gateway settlement.
  • • Account Validation Shield: Direct FedACH zero-float routing and account status verification to prevent R03/R04 returns.
  • • Commercial ACH Anomaly Radar: Real-time detection of off-hours payroll surges and direct-deposit diversion attempts.
Explore Business & Merchant Suite →
SPONSOR BANKS & INSTITUTIONAL RISK

Balance Sheet Intelligence

Supervisory governance and quantitative wholesale credit modeling engineered for Community Banks, Regional ODFIs, CROs, and ALCO Committees.

  • • ODFI Risk Committee Console™: Continuous originator return-rate monitoring with 0.35% early warning tripwires.
  • • FedNow Instant Payment Radar: Pre-execution recipient routing audits and ISO 20022 syntax checks before irrevocable push.
  • • Portfolio Sentinel™ Suite: Autonomous OCC 2006-46 concentration tests, DFAST-Lite macro stress war rooms, and 1-click ALCO memos.
Explore Institutional Bank Suite →
Core Banking Architect or Fintech Engineer? Explore the Interactive 3-Column API Reference →