Continuous Payment Control Intelligence

Compliance You Can Prove.

TUGMA continuously tests payment operations against regulatory and organizational controls—connecting transactions, exceptions, remediation, and evidence into one verifiable compliance record.

See How TUGMA Works Explore Regulatory Intelligence

For Philippine regulated payment operators

Conceptual control flow

REGULATION

REQUIREMENT

CONTROL

PAYMENT ACTIVITY

AUTOMATED TEST

EXCEPTION

EVIDENCE

PROOF

The Problem

Payment operations are fragmented. Compliance evidence shouldn't be.

Payment operators manage money across multiple systems while compliance evidence lives across even more. TUGMA connects operational activity to the controls that govern it.

Bank

Payment Processor

ERP

Spreadsheet

AML System

Merchant Portal

Cloud Storage

TUGMA

Continuous Control Layer

The Control Engine

Turn requirements into executable controls.

control_engine.py

01"text-sky-400">control("settlement_reconciliation")
02
03"text-sky-400">expected = processor.amount
04"text-sky-400">actual   = settlement.amount
05
06"text-sky-400">if "text-sky-400">abs("text-sky-400">expected - "text-sky-400">actual) > tolerance:
07    "text-sky-400">create_exception(
08        severity="HIGH",
09        "text-sky-400">evidence_required=True
10    )

CTRL-005

Settlement Reconciliation

tests: processor vs settlement
on breach: raises exception
evidence: required for resolution

Control Active

Evidence Completeness

Measured, never assumed

TUGMA tracks whether each exception is backed by the evidence required to prove resolution—so completeness reflects your actual records, not a fixed figure.

Evidence PackageSHA-256StellarVerify

evidence_verify.py

01"text-sky-400">evidence."text-sky-400">verify([
02    "processor_record",
03    "settlement_record",
04    "payout_record",
05    "resolution"
06])

These code examples are conceptual representations of the TUGMA architecture. They do not claim to be the exact production implementation.

How It Works

From regulation to verifiable proof.

MAP

Regulation → Requirement

DEFINE

Requirement → Control

TEST

Control → Operational Data

RESOLVE

Exception → Remediation

PROVE

Evidence → Verifiable Evidence Package

Regulatory Intelligence

Built around the rules that govern payments.

TUGMA maps authoritative regulatory requirements to operational controls and continuously tests whether those controls are being followed.

BSPDecember 2025

Manual of Regulations for Payment Systems

Bangko Sentral ng Pilipinas

Payment Systems
Merchant Payment Acceptance
IT Risk Management
Governance
End-User Protection

Official source

AMLC2025

AML/CTF Regulatory Issuances

Anti-Money Laundering Council

AML / CTF
Covered Persons
CTR / STR
Targeted Financial Sanctions

Official source

Official sources

Prototype / Testnet

Proof without putting sensitive payment data on-chain.

TUGMA uses cryptographic evidence fingerprints to help verify that a finalized evidence package has not been altered.

Sensitive payment and customer information always remains off-chain. Only a canonical hash of a finalized evidence package is attested.

TUGMA EVIDENCE

CANONICAL PACKAGE

SHA-256 HASH

STELLAR TESTNET

INTEGRITY VERIFICATION

From regulatory requirements to verifiable proof.

Explore TUGMA