Platform
Model the institution. Model the environment. Simulate the change.
Reglator is regulatory simulation infrastructure. It maintains a living model of your institution, connects it to the regulatory environments you operate in, and tests proposed decisions against both.
Architecture
Four layers of simulation infrastructure
Institution Twin
A structured model of the business: entities, products, activities, markets, partners and transaction flows.
Regulatory Environment Models
Computational models of jurisdictional requirements, built from structured regulatory sources and validated by local expertise.
Simulation Engine
Applies a proposed decision to the twin and evaluates it against each connected regulatory environment.
Confidence-Aware Reasoning
Every output carries an explicit confidence position, separating what is clear from what requires professional judgement.
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 Model
Regulatory state
Baseline position
- STATE 01
UK Payments Company
The baseline institutional model and its current regulatory position.
- STATE 02
Enter Kenya
1 product functions across 2 regulatory environments.
- STATE 03
Add Wallet
2 product functions across 2 regulatory environments.
- STATE 04
Add Stablecoin Settlement
3 product functions across 3 regulatory environments.
- STATE 05
Add Custody
4 product functions across 4 regulatory environments.
Worked example
UK payments business → Kenya market entry
An illustrative simulation sequence, from starting position to decision.
- 01Starting positionAn authorised UK payments business operating a domestic merchant product with a single settlement partner.
- 02Proposed decisionEnter Kenya with the same product and add stablecoin settlement for cross-border payouts.
- 03Simulated deltaNew activity classification, a local presence question, a new partner dependency, and expanded reporting scope.
- 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.
Once a jurisdiction is modelled and validated, that environment can support simulations across multiple institutions and use cases.
Continuous
Simulation does not stop at launch.
Regulatory environments and institutions both 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.