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
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.
Exploring whether pre-settlement signal layers can provide integrity indicators within existing ISO 20022 processing windows, without modifying core payment flows.
Researching standards-aligned cryptographic attestation mechanisms that operate within real-time payment constraints and support long-term evidentiary validity.
Assessing whether integrity verification architecture can support operational resilience frameworks and audit trail requirements without centralised data exposure.
Evaluating whether integrity verification can be achieved without consolidating transaction data into centralised repositories, preserving privacy-by-design principles.
Investigating structured attestation record models that support tamper-evident audit trails for regulatory reporting, investigations, and compliance evidence generation.
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
Soliidus's research is conducted with awareness of the UK's evolving payment infrastructure landscape and the regulatory frameworks that shape it.
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.
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 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 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 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.
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
Soliidus is at early prototype stage. Core architectural concepts are defined. Sandbox engagement and institutional dialogue are the current priorities.
Application submitted to Cohort 2 of the FCA Supercharged Sandbox initiative. Reference: R_2ERc2sxl7JSXaE2. Classified under Market Infrastructure and Exchanges.
Application submitted to the Innovate UK Cyber Scale competition for sandbox-based validation of integrity verification concepts in synthetic payment environments.
Exploratory conversations underway with payment infrastructure operators, EMIs, and compliance teams to validate the relevance of the research problem space.
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
Soliidus welcomes dialogue with payment infrastructure operators, regulators, policy stakeholders, and researchers. All enquiries are treated in confidence.
Soliidus Ltd · England & Wales · 17140774