One engine powering every advisory workflow.

The CFR engine

Every planning component reads the same Client Financial Record. Edit a holding, change an assumption, update a goal — every tool reflects it instantly. No module switching, no spreadsheets out of sync.

• 12-table Postgres schema with realtime subscriptions
• Pure derivation engine — all KPIs computed from raw rows
• Audit-wrapped mutations with full history

The Clear File

Compliance isn't a folder of PDFs — it's a number, calculated live from the data layer. FAIS / FICA / FSCA awareness baked into the scoring methodology so you always know where each client stands before the audit does.

• FICA currency, suitability, and limit checks evaluated continuously
• One view across investments, medical, group benefits, estate
• Audit-ready, with timestamps on every check

Instruction workflow engine

Every client instruction has a known path. Transparensea loads the right form, pre-fills from the client profile, runs the compliance checks, flags what you must touch, and dispatches for e-signature via email and WhatsApp.

• Top instruction types across the biggest SA providers
• Two-Pot withdrawal flow built for the September 2024 reality
• Limit checks: TFSA R500k lifetime, RA 27.5% / R350k annual

Provider email ingestion

Each provider gets its own inbox address. Statements forward in, get parsed, and update client records automatically. No more CSV-juggling at month end — the practice runs itself overnight.

• Allan Gray, Ninety One, Sanlam, Coronation and more
• Commission statements parsed into CommerceSpace-grade splits
• Transaction history feeds the XIRR engine

AI insights

Run a Holistic AI Scan against a client's full record and surface gaps, opportunities, suitability concerns and conversation starters — grounded in the same numbers your compliance score uses.

• Quick AI insight cards on every client surface
• Prompts and methodology held server-side as IP
• Findings traceable to the underlying data points

True client returns

Transparensea computes XIRR from real cash flows, so you can show clients what they actually earned, side by side with inflation.

• Money-weighted return per client, per portfolio
• Fund return vs personal return vs CPI, on one card
• Defensible numbers for compliant client reporting

One view, no modules

Medical aid, group benefits, and estate planning live in the same client picture and the same compliance engine as investments and risk.

• Medical needs analysis wired into the Clear File
• Group employee benefits portal with shared compliance layer
• Estate planning visible alongside investments and risk

Made for South Africa

Every screen, every check, every form is built for the South African regulatory and provider landscape — by someone who has lived inside it for nearly two decades.

• Section 14 transfer logic that actually works
• SARS tax-directive prompts before pension withdrawals
• Built for the SA advisor priced out of XPLAN