The proof that falls every morning. Performed, kept, and ready to hand over.
A Canadian payment firm has to know, at the end of every day, how much of the money it holds belongs to each of its customers, and it has to produce that evidence whenever it is asked for. 4orm keeps that record, checks it against the account the money sits in, and builds the examiner's pack on demand. We never touch the money.
One page. Five screens. The entire duty sits on it.
The person who carries this work at a forty person payment firm opens one page, not eleven folders and a shared drive. On a normal morning four of the five screens are read only. The fifth takes one click.
Four parts of one platform. Every one of them on the same five screens.
The parts are named for the duty they carry, not for a module in a diagram. A firm can buy the first on its own.
Safeguard
The daily record of whose money is whose, and the check that none of it is missing. The first thing a firm buys, because it is the easiest thing to buy.
What it produces → Part twoComply
Everything else the same law asks for. The written framework, the testing, the notice that falls due inside forty eight hours, and the report owed every 31 March.
What it produces → Part threeTrust
The same platform pointed at a second regulator. Property brokerages hold deposits and rent in trust accounts and owe a monthly reconciliation on them.
What it produces → Part fourRecall
A regulator asks about a week three years ago. You get the file back the same day, instead of three weeks of somebody rebuilding a year from memory.
What it produces →None of this is new work. All of it is being done by hand.
At almost every firm that carries the duty, each of these five jobs falls to one person who has another job as well.
| Screen | What it answers | What it replaces today |
|---|---|---|
| Today | Whether anything is late | A wall calendar, a reminder in somebody's phone, and hoping. |
| Money | Whether yesterday balanced | A spreadsheet with a tab for each day, built by somebody who has since left. |
| Proof | Where the paper is | Eleven folders on a shared drive and an email trail. |
| Filings | Whether the report is ready | Three weeks in March rebuilding the year from memory. |
| Exam pack | What an examiner receives | A person with other work assembling a box for an examiner. |
A record made on the morning it happened is worth something to an examiner. A record built in March out of memory is not.
What this site shows, and what it deliberately does not.
We would rather say this plainly on the way in than have you wonder about it on the way out.
What is on this site
- The five screens, and the question each one answers.
- An illustrative dashboard, drawn rather than photographed, with every figure in it invented for the picture.
- The public law: what it requires, when it started, and what breaking it costs.
- The things we refuse to build, stated before anyone has to ask.
What is not on this site
- How any of it works. Patent applications are pending and the design is confidential.
- A real customer. No balance, name or timestamp on this site belongs to anybody.
- A live environment. Nothing on this site is connected to anything. No system, account or record shown here is real.
- Advice. What the statutes require of your firm is a question for your own counsel.