How the Bank Safety Checker reads an account list

Eight objects, two views that are never mixed

The engine separates who you are, what you hold, where it is held, who issued it and which rule applies. That separation is the product. A single "account" object would have hidden the cases where one bank plays three roles.

Ownership view and exposure view

The ownership view counts every asset once and gives the portfolio total. The exposure view shows overlapping relationships: a $100 bond can be held by one custodian and issued by another entity, so it appears under both, and the portfolio total stays $100. Exposure to a group of companies is a third view, separate from the pooling that the protection rules use: two licensed banks in one group are two pooling units; two brands of one bank are one.

One hundred and forty-one banks, each checked against a register

The catalogue is deliberately small. An entry is added when its legal name and official identifier have been checked against the named register on a stated date, and when the brands that appear on statements have been mapped to it. A bank that is not listed can still be entered as "Other"; the engine maps it and marks every deposit at it as unverified.

The 71 US entries are the largest FDIC-insured banks by assets; their certificate numbers were read from the FDIC's institution register on 1 November 2026, and each entry records the brands, divisions and sweep programs that appear on statements under its name. The 70 Swiss entries cover the two UBS banks, the private banks, the cantonal banks, PostFinance and the Swiss subsidiaries of the international groups. Swiss entries carry the legal name as published by the bank and by FINMA; the commercial-register UID will be added when each one has been checked individually, and until then the field says "not loaded" rather than carrying a guess. A catalogue entry can be suspended without touching the rule packs.

The fixtures the engine must pass before a version ships

A domain reviewer defines the expected result and the evidence for each case; a test that merely restates the engine's formula proves nothing. Every rule change re-runs all cases for that country plus the shared pooling and identity cases. The current set, all passing on 1 November 2026:

The fixtures confirm that the code does what this page says. They do not test the law, and they do not test the assumption that the institution you selected is the one on your statement. Those are the reviewer's and the reader's jobs respectively.

Review record

Engine and interface: built and fixture-tested 1 November 2026; version 1.1.0 the same day (institution search across brands, named holders, observations, what-if, concentration, payout facts, catalogue v2), 42 fixtures passing. Catalogue: US entries checked against FDIC records 1 November 2026; Swiss entries checked against FINMA's authorised-institutions list 1 November 2026. Rule packs: drafted from the cited sources 1 November 2026; published for the pilot; independent banking-law review for the United States and for Switzerland is the next step, and the reviewer's name and date will be added here when it is complete. Until then the checker carries the pilot label. Responsible for content: Eldar Edmond Grady, Chief Executive Officer, PPLI.com. Corrections: [email protected].