The implementation that never ends.
Months turn into years, and roughly 70% of the budget goes on implementation, not the licence.
BUILT FOR HOW BANKS WILL RUN NEXT
The risk and rating platform a machine can drive.
One engine for regulatory capital, ALM, IRRBB, IFRS 9 and credit rating — operable by a person or by an AI agent, with every number carrying the evidence behind it.
45 minutes with the people who built it. No slides.
~50%
faster to go live
~65%
faster rule and scenario changes
Every figure
traceable to its source
Our estimates for a fully deployed risk suite at a mid-sized bank.
THE PROBLEM
Sound familiar?
Only a few people know how it works.
When they leave, the knowledge leaves with them.
The real work drifts into spreadsheets.
Because changing the system takes a project, and a spreadsheet takes an afternoon.
SOLVED BY DESIGN
Three things that make it different.
One engine calculates everything.
Capital, liquidity, IRRBB, FTP and expected credit loss come from the same cash flows, so the numbers agree without being reconciled.
Agents do the operating work.
They're built to configure the platform from your documents, run analyses and explain results.
Your people stay in charge.
The agent drafts, a person approves. Every figure can be traced back and rebuilt for a supervisor.
OUR PLATFORMS
Two platforms. One source of truth.
Phyn{Risk}
ENTERPRISE RISK, ONE ENGINE
- Regulatory capital and RWA (CRR3, Basel 3.1)
- ALM: NII, gap and liquidity
- IRRBB and FTP
- IFRS 9 expected credit loss
- Feed your existing reporting platform, or produce the returns here
Phyn{Rate}
CREDIT DECISIONS, EVIDENCED
- Scorecards, notching and overrides
- Questionnaires answered from documents, with citations
- Ratios calculated and explained on request
- Committee steps and four-eyes review
- For banks, and for rating agencies
BEYOND THE PLATFORM
From first run to full value, we're with you.
The people who built the platform work alongside your team — from first configuration to model sign-off.
Implementation and integration
Configured on your own book, run in parallel with your current numbers, every difference explained.
Model development and validation
IFRS 9, IRB, and rating and scoring models, built and documented to stand up to a supervisor.
Regulatory advisory
Scoped engagements on Basel 3.1, CRR3, IFRS 9 and IRRBB.
Training
ALM, IRRBB, FTP, IFRS 9 and market risk, taught by practitioners.
Become one of our first design partners.
We configure the platform on your own portfolio, you work directly with the people who built it, and you help shape the roadmap.
See it running45 minutes with the people who built it. No slides.