Platform
Model the institution. Model the environment. Simulate the change.
Reglator is regulatory simulation infrastructure. It brings your institutional context together with the US federal and state regulatory environments that apply to you, and tests proposed decisions before capital and engineering are committed.
Inputs
What goes into a simulation
Three things define a decision. Reglator brings them together.
Institutional context
Products, operating model, regulatory permissions and other relevant business characteristics, so the result reflects your institution rather than regulation in the abstract.
Regulatory environment
The US federal and state environments that could apply to the institution and the decision.
Proposed decision
A new product, a new state footprint, a new partner or an operating-model change — described as the business would describe it.
Outputs
What comes out of it
A decision-ready view of the proposed change. Reglator does not provide legal or regulatory advice.
Potential consequences
What could change in your regulatory position and which obligations could be triggered.
Decision options
Alternative operating configurations that could achieve the same commercial objective.
Confidence
What is clear, what remains uncertain and where professional judgement is required.
Simulation
Your regulatory position is a state, not a document.
When products, markets or operating relationships change, the state changes with them. Reglator makes that movement visible.
Institution
Regulatory state
Baseline position
- STATE 01
US Payments Company
The baseline institutional model and its current regulatory position.
- STATE 02
Add Stablecoin Settlement
2 product functions across 2 regulatory environments.
- STATE 03
Add Wallet
3 product functions across 2 regulatory environments.
- STATE 04
Add Custody
4 product functions across 3 regulatory environments.
- STATE 05
Operate in More States
4 product functions across 4 regulatory environments.
Decision impact
From Regulatory Delta to a decision management can act on.
The Regulatory Delta remains the core simulation output. Decision Impact extends it, identifying where regulatory consequences create capital, time and operating dependencies before execution.
Time
Implementation dependencies and potential time-to-market implications.
Capital
Where regulatory consequences could introduce additional cost or capital requirements.
Operations
Operating-model changes that may be required.
Dependencies
Bank, custodian, licence, vendor or partner dependencies.
Confidence
What is supported, what is uncertain and where expert review remains necessary.
Reglator identifies where consequences create dependencies. It does not calculate the precise implementation cost of a decision, and does not provide legal or regulatory advice.
Worked example
US payments company → stablecoin settlement and wallets
An illustrative simulation sequence, from starting position to decision.
- 01Starting positionA licensed US B2B payments company moving funds for domestic merchants through a single bank partner.
- 02Proposed decisionAdd stablecoin-enabled settlement and customer wallet balances, and serve merchants in additional states.
- 03Simulated deltaActivity perimeter moves, money transmission scope changes state by state, AML/BSA program obligations expand, custody and reserve questions appear, and bank-partner dependency deepens.
- 04Design spaceThree viable operating configurations, each with a different speed, control and capital profile.
- 05OutcomeThe regulatory decision is made before engineering, capital and management time are committed.
Illustrative example. Reglator does not provide legal or regulatory advice.
Coverage
Scaling by regulatory environment, not by physical presence.
Federal environments are modelled once. Each validated state environment then serves every institution that operates there. International environments are future optionality on the same architecture.
Continuous
Simulation does not stop at launch.
Federal rules, state requirements and the institution itself all change. Reglator re-tests the operating model when either side moves.
Institution
All regulatory states current
Trigger
Institution event detected
Use Cases
See Reglator applied to real decisions.
The Simulation Lab lets you configure an institution, a decision and an environment, then watch the regulatory state change.