Use Cases
Regulators don't audit scores. They audit sources.
Rules engines tell you what you programmed them to look for. Score systems give you a number with no named source. sikker.me queries the official government registry and returns a source-cited verdict — the format regulators, auditors, and courts actually accept.
Requirements
Three things regulators need. One thing most tools miss.
A compliance-grade verification record requires:
An authoritative source
Not a database. Not a network. The official government registry — the same source a court or auditor would cite.
A traceable finding
Not "risk score: 74." A specific statement: "Entity active. Director: Johann Weber. Registered address matches invoice. IBAN correlated. Source: Handelsregister. Date: 2026-05-05."
An audit trail
Timestamped. Uniquely identified. Exportable. Tied to the specific payment it protected.
sikker.me produces all three. For every verification.
Regulatory coverage
Five regulations. One architecture.
| Regulation | Requirement | sikker.me |
|---|---|---|
| VoP / IPR 2024/886 (live Oct 2025) | Resolve grey-zone results. Document liability basis | ✓ Registry verdict. ✓ Full audit trail |
| AMLA CDD RTS (submit Jul 2026; apply Jul 2027) | Registry-sourced verification as baseline from July 2027 | ✓ Registry-primary architecture |
| AMLR Art. 22(6)(a) (Jul 2027) | Verify against reliable, independent sources | ✓ Official gov. registries |
| AMLR Art. 26 (Jul 2027) | Ongoing monitoring + documented cycles | ✓ Continuous monitoring + logs |
| PSR / PSD3 (~2028) | Extended VoP scope all currencies + RTGS | ✓ Multi-registry, multi-jurisdiction |
Rules vs. registries
Rules check what you know. Registries reveal what changed.
A rules engine evaluates data you already have against conditions you already defined. It cannot detect:
- A director replacement you haven't been told about
- A company dissolution filed last week
- An IBAN that now belongs to a different entity
- A structural pattern connecting two vendors via a shared director invisible to any individual company
These facts exist in public registries. They are invisible to rules engines. sikker.me reads the registry.
Privacy
Privacy-native by design.
Cross-entity signals are processed using irreversible cryptographic hashes. No personal payment data is stored. No transaction amounts, dates, or counterparty details are transmitted to or retained by sikker.me. Architecture compliant with GDPR Article 6(1)(f) (legitimate interest) for network signal processing. DPIA and legal opinion available on request.
Compliance-grade verification. Available now.
Currently onboarding design partners in France, Italy, Germany.