Genesis by RegNexus
Build an FCA-regulated institution.
Genesis is the operating system for FCA authorisation — constructing your business model, licence route, governance, financials, policies, evidence and submission pack as one coherent institution.
Input
Business idea
Genesis constructs
One connected institution — not isolated documents.
Regulators do not authorise documents. They authorise institutions.
Traditional application preparation creates separate files, spreadsheets and policies that frequently contradict one another. Genesis begins with one structured institutional model and generates every regulatory output from the same verified facts.
Traditional preparation
- Separate questionnaires
- Disconnected advisers
- Repeated facts
- Conflicting documents
- Manual cross-checking
- Unclear readiness
Genesis
- One fact model
- One licence logic
- One financial engine
- Connected documents
- Traceable evidence
- Structured review
- Clear submission status
One platform, the full lifecycle
One platform across the regulated-firm lifecycle.
Genesis authorises the institution. Safeguard operates it every day. Govern and Grow are expanding across the operating layer.
Build
LiveModel the institution
- Business model
- Products
- Customers
- Funds flow
- Governance
- Operating model
Authorise
LivePrepare the application
- Licence route
- Regulatory business plan
- Policies
- Financial model
- Evidence pack
- Submission preparation
Operate
LiveRun the regulated firm — every day
- Daily safeguarding control
- Reconciliation & exceptions
- Two-person approvals
- Audit trail & certificates
- Compliance monitoring
- Supervisory readiness
Grow
ExpandingScale the institution
- Permissions variations
- New products
- New markets
- Acquisitions
- Institutional scaling
- Partner deployment
The Genesis journey
From business idea to submission-ready institution.
Genesis captures facts once, resolves their regulatory meaning, and reuses them consistently across the full application.
- 01
Understand the business
- 02
Determine the licence route
- 03
Construct the Golden Regulatory Brief
- 04
Build the institutional model
- 05
Generate regulatory and financial infrastructure
- 06
Assemble evidence
- 07
Run regulatory challenge and independent review
- 08
Produce the final submission pack
The constitutional entry point
One verified brief governs the entire application.
The Golden Regulatory Brief captures the institution's legal identity, ownership, products, customers, markets, channels, safeguarding design, governance, systems, financial assumptions and wind-down position. Once approved, those facts become the controlled source for downstream outputs.
Change the verified fact once. Update the institution coherently.
Explainable by design
Regulatory decisions must be traceable.
Input facts resolve through governed rules into a traceable determination — and then into outputs.
Deterministic resolution
Identical approved facts produce identical route, capital and output determinations.
Regulatory provenance
Key outputs are linked to their source facts, applicable rules and decision logic.
Controlled professional review
Genesis supports qualified review and approval rather than silently rewriting regulatory positions.
A complete regulatory institution
A complete regulatory institution — not a folder of templates.
A complete, route-specific application pack, generated from one verified model.
Institution
- Golden Regulatory Brief
- Regulatory Operating Model
- Corporate and ownership profile
- Programme of Operations
- Business Plan
Governance
- Governance Framework
- Board and committee structures
- Responsibilities
- Skills and capacity
- Outsourcing oversight
Financial
- Profit and Loss
- Balance Sheet
- Cash Flow
- Initial capital
- Own funds
- Liquidity
- Stress testing
- Wind-down funding
Risk and Compliance
- AML/CTF
- Safeguarding
- Complaints
- Consumer Duty
- Operational resilience
- Compliance monitoring
- Risk registers
Submission
- Connect responses
- Evidence schedule
- Cross-references
- Regulatory review findings
- Submission readiness report
- Final downloadable pack
Genesis Financial
Financial models built from the same institution the narrative describes.
Revenue assumptions, operating costs, capital, liquidity, safeguarding, taxation, stress scenarios and wind-down funding must agree with the business model. Genesis Financial constructs and validates these as one integrated regulatory model.
No disconnected spreadsheet. No unexplained capital number.
Genesis Evidence
Every regulatory claim needs evidence.
Genesis identifies what evidence is required, records what has been provided, maps it to the relevant obligation and highlights what remains unresolved.
Genesis Review
Challenge the application before the regulator does.
Genesis tests the application across licence route, governance, safeguarding, financial resources, AML, operational resilience, outsourcing, customer protection and evidential completeness.
Deterministic gates
- Cross-document consistency
- Calculation checks
- Route rules
- Required sections
- Evidence completeness
- Prohibited contradictions
Professional review
- Judgement
- Proportionality
- Credibility
- Governance substance
- Business-model challenge
- Final approval
Product experience
See the institution being built.
Five connected views of one institutional model.
Licence routes
Built route by route.
Genesis support status is shown honestly for every route.
Small Payment Institution
Early-stage or lower-volume payment firms below the registration thresholds.
Authorised Payment Institution
Payment firms operating above the SPI threshold or seeking passporting-grade standing.
Small Electronic Money Institution
Lower-volume e-money issuers below the small-EMI threshold.
Authorised Electronic Money Institution
E-money issuers above the small-EMI threshold or scaling beyond it.
Account Information Service Provider
Open-banking firms that read account information but do not hold customer funds.
Payment Initiation Service Provider
Open-banking firms that initiate payments on a customer's behalf.
Route indicators are informational and require confirmation against the full business model and applicable law.
After authorisation · Safeguard
Authorised is day one. Safeguard runs the institution every day.
Genesis builds and authorises the institution. Safeguard operates it — a controlled daily safeguarding cycle with reconciliation, two-person approval and an immutable audit trail.
The daily control loop
Built for authorisation quality
Built for every professional responsible for authorisation quality.
Founders & applicant firms
Build the institution, understand the requirements and prepare a coherent application.
- Determine the correct FCA route
- Understand what must be built
- Estimate capital and operational requirements
- Produce a coherent application pack
Compliance consultants
Increase delivery capacity while retaining judgement, advice and client ownership.
- Increase delivery capacity
- Standardise output
- Reduce first-draft production
- Preserve professional judgement
Professional advisers
Use traceable regulatory infrastructure in legal, corporate finance, accounting and market-entry engagements.
- Reliable regulatory work product
- Due-diligence support
- Traceability
- Consistent application infrastructure
Consultant operating model
Genesis handles production. You retain judgement.
Commercial benefits
- More concurrent applications
- Reduced repetitive drafting
- Standardised delivery
- Stronger audit trail
- Improved quality control
- Higher project margin
- Scalable junior-team supervision
Trust architecture
Built for regulated work.
Proof
Proof should be specific.
Verified product facts, with a restrained technical-assurance panel.
Certified reference application packs exist for SPI, API and SEMI routes.
Deterministic validation gates check cross-document consistency, route rules and evidence completeness before review.
Every regulatory output is generated from one verified institutional model — the Golden Regulatory Brief.
Key determinations are traceable to their source facts, applicable rules and decision logic.
Technical assurance
- 3 certified licence routes (SPI, API, SEMI); further routes in development.Measured 2026-07-30
- Identical approved facts reproduce identical route, capital and output determinations.Measured 2026-07-30
Insights
Regulatory intelligence for firms building serious institutions.
FCA Authorisation Readiness Checklist
A practical readiness checklist for regulated firms preparing FCA payment institution or electronic money institution authorisation applications.
2026-06-09EMIEMI Safeguarding Evidence for Boards
How electronic money institutions can turn safeguarding obligations into board-ready evidence, reconciliations, oversight records, and supervisory readiness.
2026-06-09Supervisory ReadinessHow to Prepare for an FCA Supervisory Visit
A practical guide to preparing governance evidence, decision records, controls, board oversight, and response workflows before an FCA supervisory interaction.
2026-06-09Build the institution the regulator expects to see.
Start with your business model. Genesis will structure the regulatory route, institutional requirements and work needed to reach submission standard.