IIR Research Alignment

Integrity verification for modern payment infrastructure

Soliidus is an independent research initiative exploring standards-aligned integrity verification overlays for ISO 20022 interbank payment flows, aligned with the UK's Interbank Infrastructure Renewal framework.

Research Focus

What Soliidus is exploring

Soliidus researches whether lightweight cryptographic attestation can be embedded as a modular overlay within existing payment infrastructure — without disrupting settlement rails, altering message schemas, or requiring centralised data aggregation.

Payment Integrity

Exploring whether pre-settlement signal layers can provide integrity indicators within existing ISO 20022 processing windows, without modifying core payment flows.

Cryptographic Attestation

Researching standards-aligned cryptographic attestation mechanisms that operate within real-time payment constraints and support long-term evidentiary validity.

Operational Resilience

Assessing whether integrity verification architecture can support operational resilience frameworks and audit trail requirements without centralised data exposure.

Privacy-Conscious Design

Evaluating whether integrity verification can be achieved without consolidating transaction data into centralised repositories, preserving privacy-by-design principles.

Audit Trail Architecture

Investigating structured attestation record models that support tamper-evident audit trails for regulatory reporting, investigations, and compliance evidence generation.

Modular Overlay Services

Designing verification architecture as a modular overlay service, consistent with the National Payments Vision and Interbank Infrastructure Renewal framework.

Research Stage Notice. Soliidus is at early prototype stage. All research is conducted using synthetic transaction environments. No live infrastructure, customer funds, or personal data are involved. Findings are prepared for regulatory and institutional engagement.

Framework Alignment

Aligned with UK payment infrastructure modernisation

Soliidus's research is conducted with awareness of the UK's evolving payment infrastructure landscape and the regulatory frameworks that shape it.

Regulatory Framework
Soliidus Research Relevance

Interbank Infrastructure Renewal (IIR)

UK's payment infrastructure modernisation programme, encompassing NPA and RTGS renewal.

Soliidus explores integrity verification as a modular overlay service — directly consistent with the IIR's emphasis on overlay architecture.

ISO 20022

International messaging standard mandated for UK interbank payment flows.

Integrity verification metadata is researched within ISO 20022 message structures, without altering core message schemas.

PSR Reimbursement Framework

PSR mandatory APP fraud reimbursement obligations, effective October 2024.

Pre-settlement signal research addresses the structural gap between payment execution speed and fraud prevention capability.

FCA Consumer Duty

FCA obligations requiring evidence of actions taken to deliver good consumer outcomes.

Attestation and audit trail research supports the evidence generation requirements of Consumer Duty operational frameworks.

Bank of England Enhanced Data

Bank of England requirements for structured ISO 20022 data field completeness in CHAPS flows.

Research into long-term evidentiary integrity supports the data completeness and audit trail requirements of Enhanced Data obligations.

DORA

Digital Operational Resilience Act — ICT risk management and operational resilience requirements.

Integrity verification architecture is designed to support operational resilience frameworks without introducing systemic dependency.

Current Status

Where Soliidus is today

Soliidus is at early prototype stage. Core architectural concepts are defined. Sandbox engagement and institutional dialogue are the current priorities.

Active

FCA Supercharged Sandbox

Application submitted to Cohort 2 of the FCA Supercharged Sandbox initiative. Reference: R_2ERc2sxl7JSXaE2. Classified under Market Infrastructure and Exchanges.

Submitted

Innovate UK Cyber Scale

Application submitted to the Innovate UK Cyber Scale competition for sandbox-based validation of integrity verification concepts in synthetic payment environments.

In Progress

Institutional Engagement

Exploratory conversations underway with payment infrastructure operators, EMIs, and compliance teams to validate the relevance of the research problem space.

Planned

Pay.UK Standards Engagement

Preparing engagement with Pay.UK Standards Source portal and the Standards Authority, aligned with the IIR's modular overlay service framework.

Technical Maturity. Soliidus is at TRL 3–4. Core architectural concepts are defined and documented. Sandbox validation and controlled testing represent the next development phase. No live deployment. No customer funds or personal data processed.

Contact

Get in touch

Soliidus welcomes dialogue with payment infrastructure operators, regulators, policy stakeholders, and researchers. All enquiries are treated in confidence.

General Enquiries

hello@soliidus.com

Research & Institutional

anthony.agoro@soliidus.com

Responsible Disclosure

security@soliidus.com

Registered

Soliidus Ltd · England & Wales · 17140774