Technical & Product Documentation

ReguClear — Comprehensive Structure Manual

Complete reference covering platform architecture, entities, pages, backend functions, roles, workflows, and investor materials. Version 2.0 · May 2026

Base44 PlatformReact + TailwindDeno Backend FunctionsAfrica-focused RegTech

ReguClear is an AI-native risk intelligence and compliance management platform purpose-built for African financial markets. It serves banks, DFIs, fintechs, asset managers, regulators, and corporates by automating KYC workflows, counterparty screening, adverse media monitoring, risk scoring, and regulatory reporting.

Core Value Propositions

End-to-end KYC case management with multi-step approval workflows
AI-powered risk scoring using PESTLE factors, transaction signals, and macro data
Real-time counterparty and sanctions screening
Regulatory report generation (FATF, SEC, CBN, FSCA compliant formats)
Geographic risk heatmaps across 54 African markets
Early warning alerts with configurable thresholds
Audit trail with tamper-evident logs for all platform actions
Client portal for counterparty self-service onboarding

Target Customers

Segment	Primary Use Case	Tier
Commercial Banks	KYC automation, counterparty screening, regulatory reporting	Growth / Premium
Development Finance Institutions	Portfolio risk intelligence, ESG-linked compliance	Premium
Fintechs	Lightweight KYC, AML screening, FATF compliance	Starter / Growth
Asset Managers	Investor risk profiles, portfolio comparison	Growth / Premium
Regulators & Govt Bodies	Market-wide risk dashboards, data ingestion	Government Suite
Corporates	Counterparty due diligence, supply chain risk	Starter / Growth

Layer	Technology	Notes
Frontend Framework	React 18 + Vite	Component-based SPA
Styling	Tailwind CSS + shadcn/ui	Design tokens in index.css, mapped in tailwind.config.js
State Management	TanStack React Query v5	Server state caching and mutation handling
Routing	React Router DOM v6	SPA routing; App.jsx manages all routes
Charts & Viz	Recharts + React Leaflet	Analytics dashboards and geographic maps
Animations	Framer Motion	Page transitions and UI micro-interactions
Backend Runtime	Deno Deploy (Base44 functions)	Serverless edge functions
Database	Base44 Entity Store	JSON-schema defined entities; Production + Test databases
Authentication	Base44 AuthProvider	Role-based; JWT session management
File Storage	Base44 public/private storage	UploadFile / UploadPrivateFile integrations
AI / LLM	Base44 InvokeLLM integration	Gemini, GPT-4o, Claude models via Core integration
Email	Base44 SendEmail integration	Transactional alerts, notifications, verifications
PDF Generation	jsPDF (npm:jspdf)	Backend function PDF export

All entities are defined as JSON schemas in entities/*.json. Every record automatically carries id, created_date, updated_date, created_by.

Core Entities

Entity	Key Fields	Access Control
User (built-in)	id, email, full_name, role, organization_id, user_role, email_verified	Admin can list/update all; users see own record
Counterparty	name, entity_type, country, risk_score, status, kyc_status	Admin + User (create/read/update); Admin-only delete
KYCCase	counterparty_id, organization_id, status, assigned_to, risk_score, case_type	Org-scoped read/update; Admin full access
CounterpartyOnboarding	counterparty_id, current_step, status, required_documents, compliance_checks, manager_approval	Admin + User
Document	counterparty_id, document_type, file_url, expiry_date, is_sensitive, allowed_roles, status	Org-scoped; sensitive flag restricts by role
DocumentVersion	document_id, version_number, file_url, change_notes	Org-scoped
ScreeningResult	counterparty_id, screening_type, hits, overall_status, screened_by	Org-scoped
ScreeningHitNote	screening_result_id, note_type, content, is_private, is_resolved	Org-scoped; author can edit own
AdverseMediaArticle	counterparty_id, headline, source, sentiment, risk_tags, reviewed_status	Org-scoped
AuditLog	action, performed_by, entity_type, entity_id, details, severity, timestamp	Org-scoped; Admin full access
Task	title, task_type, assigned_to, counterparty_id, status, priority, due_date, resolution_notes	Org-scoped
TaskComment	task_id, content, author_email, is_internal, mentions	Org-scoped; author can edit/delete own
RegulatoryReport	report_type, jurisdiction, period, status, summary_metrics, file_url	Org-scoped
RegulatoryChangeAlert	alert_type, jurisdiction, severity, required_actions, is_read, effective_date	Org-scoped
RiskPrediction	counterparty_id, current_risk_score, predicted_30d, predicted_90d, trend_direction, confidence_level	Org-scoped
CorporateRelationship	parent_entity_id, child_entity_id, relationship_type, ownership_percentage, verified	Admin + User
KYCCaseAssignment	kyc_case_id, assigned_by, assigned_to, due_date, priority, status	Org-scoped
Workflow	name, workflow_type, steps, applicable_jurisdictions, is_active	Org-scoped
Country	name, code, risk_level, region	Admin create/update/delete; all read
Institution	name, institution_type, country, regulation_authority	Admin create/update/delete; all read
Investor	name, investor_type, country, aum_usd, risk_profile	Admin + User CRUD
SubscriptionPlan	plan_tier, monthly_price_usd, annual_price_usd, features, add_ons	Admin create/update; all read
NotificationPreference	user_email, notify_* flags, email_frequency, min_risk_score_threshold	Owner + Admin
LandingContent	page_type, section_key, content (JSON object)	Admin write; all read
EmailTemplate	template_key, name, subject, header_title, body_html, footer_note, is_active, last_edited_by	Admin only (create/read/update/delete)
InAppNotification	recipient_email, organization_id, title, body, severity, type, is_read, counterparty_id, link_page	Owner + Admin

Organization Entity (referenced throughout)

Every multi-tenant record is scoped by organization_id. The Organization entity holds subscription tier, onboarding_completed flag, and billing references.

Public / Landing Pages

Route	Page File	Purpose
/landing	LandingHome	Primary public homepage — hero, stats, features, testimonials
/landing-features	LandingFeatures	Detailed platform feature breakdown with tabs
/landing-pricing	LandingPricing	Subscription tier comparison and pricing cards
/landing-solution	LandingSolution	Industry-specific solution pages (banks, fintechs, etc.)
/landing-feature	LandingFeaturePage	Deep-dive individual feature landing pages
/landing-resources	LandingResources	Documentation hub, guides, FAQs, video tutorials
/resource-detail	ResourceDetail	Individual resource/article detail view
/landing-careers	LandingCareers	Careers and team culture page
/landing-privacy	LandingPrivacy	Privacy policy
/landing-terms	LandingTerms	Terms of service
/platform-demo	PlatformDemo	Interactive step-by-step product demo modals
/investor-pitch	InvestorPitch	11-slide investor pitch deck with PDF export
/product-sandbox	ProductSandbox	Hands-on sandbox for prospective clients
/compliance-onboarding	ComplianceOnboarding	New user onboarding flow

Core App Dashboards (authenticated, layout-wrapped)

Route	Page File	Purpose
/RiskIntelligenceDashboard	RiskIntelligenceDashboard	Central hub — risk matrix, monitoring, analytics tabs
/RiskExposureDashboard	RiskExposureDashboard	Portfolio-level risk exposure analysis
/CounterpartyRiskDashboard	CounterpartyRiskDashboard	Full counterparty list with risk scores and filters
/CounterpartyProfile	CounterpartyProfile	Individual counterparty deep-dive profile
/EarlyWarningDashboard	EarlyWarningDashboard	Real-time alerts and trigger monitoring
/ComplianceDashboard	ComplianceDashboard	Compliance flags, pending actions, rule status
/GeographicalRiskDashboard	GeographicalRiskDashboard	Interactive African risk heatmap
/GlobalRiskHeatmapDashboard	GlobalRiskHeatmapDashboard	Global geographic risk visualization
/KYCCasesKanbanBoard	KYCCasesKanbanBoard	Drag-and-drop KYC case pipeline management
/KYCCaseDetails	KYCCaseDetails	Individual KYC case — documents, screening, timeline
/TaskManagementDashboard	TaskManagementDashboard	Team task tracking with priorities and comments
/TeamWorkloadDashboard	TeamWorkloadDashboard	Officer workload balancing and assignment view
/DocumentRepository	DocumentRepository	Centralized document vault with version control
/RegulatoryDashboard	RegulatoryDashboard	Compliance report archive and report generation
/RegulatoryReportBuilder	RegulatoryReportBuilder	Custom regulatory report builder tool
/ComplianceReportGenerator	ComplianceReportGenerator	Automated compliance report generation
/ComplianceSummaryReport	ComplianceSummaryReport	Consolidated compliance summary with export
/ComplianceAnalyticsDashboard	ComplianceAnalyticsDashboard	Trends, KPIs, and compliance metrics
/RiskScoringDashboard	RiskScoringDashboard	Risk model configuration and score breakdown
/WorkflowBuilder	WorkflowBuilder	Drag-and-drop compliance workflow designer
/CounterpartyOnboardingWorkflow	CounterpartyOnboardingWorkflow	4-step onboarding: docs → compliance → approval → verification
/BulkCounterpartyImport	BulkCounterpartyImport	CSV bulk upload and import for counterparties
/ClientPortal	ClientPortal	Counterparty self-service onboarding portal
/AuditLogs	AuditLogs	Searchable, filterable audit trail viewer
/ScheduledReports	ScheduledReports	Automated report scheduling management
/NotificationPreferences	NotificationPreferences	User notification settings panel
/PortfolioComparison	PortfolioComparison	Peer benchmarking for portfolio risk
/InternalAnalytics	InternalAnalytics	Admin-only platform usage analytics
/SubscriptionPlans	SubscriptionPlans	Plan management and upgrade interface
/AddOnMarketplace	AddOnMarketplace	Add-on services marketplace
/InviteUsers	InviteUsers	Team invitation management
/ContentManagementDashboard	ContentManagementDashboard	CMS for landing page content editing
/CustomerSuccessPortal	CustomerSuccessPortal	Support tickets and success resources
/RiskModelApprovals	RiskModelApprovals	Risk model change review and approval
/KYCBatchExport	KYCBatchExport	Bulk KYC case data export tool
/AlertDigest	AlertDigest	Compliance alert digest and summary view
/DataHealthDashboard	DataHealthDashboard	Admin data quality and health monitoring
/EmailTemplateManager	EmailTemplateManager	Admin email template editor — edit & preview all system emails
/UserRoleManagement	UserRoleManagement	Role assignment and permission management for team members
/IntegrationHub	IntegrationHub	Third-party integration provider management and testing
/RiskScoringEngine	RiskScoringEngine	Risk model weight configuration per jurisdiction
/ComplianceReportScheduler	ComplianceReportScheduler	Schedule and automate compliance report delivery
/ComplianceKanbanBoard	ComplianceKanbanBoard	Kanban board for compliance task management
/TeamWorkloadDashboard	TeamWorkloadDashboard	Officer workload balancing and assignment view

All backend functions live in functions/*.js and run on Deno Deploy. Invoked from the frontend via base44.functions.invoke('functionName', payload).

Authentication & User Management

Function	Purpose
sendInvitation	Sends org invite email with role assignment
acceptInvitation	Processes invite token and activates user
verifyEmail	Validates email verification token
resendVerification	Re-sends verification email
createOrganizationWorkspace	Initialises org record on first login
completeOnboarding	Marks org onboarding_completed = true

Risk Scoring & Intelligence

Function	Purpose
calculateCounterpartyRiskScore	Computes weighted risk score from all factors
autoCalculateCounterpartyRisk	Automated batch recalculation trigger
bulkRecalculateRiskScores	Recalculates risk for all org counterparties
dynamicCounterpartyRiskEngine	Real-time risk scoring engine with live feeds
realtimeRiskEngine	WebSocket-compatible streaming risk monitor
calculateEntityRiskScore	Entity-level risk scoring (individual/corporate)
calculateSystemicExposure	Portfolio-wide systemic risk exposure
predictCounterpartyRiskTrends	ML-based 30/90 day risk trend forecasting
forecastCounterpartyRisk	Scenario-based risk forecasting
generateRiskExplanation	AI-generated plain-English risk narrative
generateRiskScoreExplanation	Detailed breakdown of risk score components
generateRiskForecast	Forward-looking risk trajectory report
generateRiskIntelligenceReport	Comprehensive risk intelligence PDF/JSON report
saveRiskModelVersion	Versions risk model configuration changes
reviewRiskModelChange	Submits model change for approval workflow
submitRiskModelChange	Finalises approved model change
calculatePESTLEScores	PESTLE dimension scoring for jurisdictions
autoPESTLEAssessment	AI-automated PESTLE factor assessment
enrichPESTLEWithExternalData	Augments PESTLE with live macro data
overridePESTLEScore	Manual PESTLE score override with audit trail
calculateCountryRiskScore	Country-level composite risk score
calculateJurisdictionalRisk	Multi-factor jurisdictional risk calculation
calculateRegulatoryStability	Regulatory environment stability index
calculateRegulatoryOpenness	Openness score for regulatory frameworks
calculateSectorRisk	Sector-specific risk calculation
getSectorRiskTrend	Historical sector risk trend data
calculateBenchmarkMetrics	Peer comparison benchmarking metrics
compareToPeers	Compares org metrics to sector peers
calculateBenchmarks	Calculates industry benchmark baselines
calculateDailyRiskScores	Scheduled daily risk score refresh
calculateComplianceFlags	Evaluates counterparties for compliance flags
evaluateEarlyWarningTriggers	Checks thresholds and fires alert events
evaluateIndicatorThresholds	Compares macro indicators to alert thresholds
evaluateComplianceRules	Applies custom compliance rule set to entities
handleEarlyWarningTrigger	Processes and routes early warning events
evaluateEconomicTriggers	Economic signal-based alert evaluation
monitorRiskTriggers	Continuous risk trigger monitoring loop
monitorRiskAndComplianceTriggers	Combined risk + compliance trigger monitor
processRealTimeAlert	Routes and stores real-time alert events
runMonitoringEngine	Master monitoring engine orchestrator

KYC & Onboarding

Function	Purpose
onKYCCaseCreated	Entity automation: fires on new KYC case creation
updateKYCCaseStatus	Updates case status and triggers downstream actions
calculateKYCCaseRisk	Computes risk score for a specific KYC case
applyWorkflowToCase	Assigns configured workflow steps to a KYC case
transitionOnboardingStep	Moves onboarding to next step with validations
logOnboardingAudit	Records onboarding step actions to audit log
approveWorkflowStage	Manager approval action for workflow stages
reassignKYCCase	Transfers KYC case to a different analyst
generateKYCCaseReport	Generates PDF summary for a KYC case
batchExportKYCCases	Bulk CSV/Excel export of case data

Screening

Function	Purpose
runScreening	Executes sanctions/PEP/adverse media screening
autoScreenCounterparty	Automated screening on counterparty create/update
sanctionsPEPConnector	Connects to external sanctions and PEP lists
monitorScreeningHit	Tracks and escalates unresolved screening hits

Document Management

Function	Purpose
uploadKYCDocument	Handles document upload with metadata and versioning
updateDocumentStatus	Updates document approval/rejection status
downloadKYCDocument	Generates signed download URL for private documents
verifyDocumentData	Validates document data integrity and expiry
extractDocumentData	OCR-based data extraction from uploaded documents
aiDocumentParser	AI-powered parsing and classification of documents
compareExtractedData	Compares OCR-extracted data against stored records
processDocumentOCR	Full OCR processing pipeline for documents
processDocumentVerificationWorkflow	End-to-end document verification workflow
monitorDocumentExpiry	Scheduled check for expiring documents
autoReminderDocuments	Sends automated reminders for expiring documents
sendDocumentReminder	Manual document renewal reminder email
sendDocumentReminderToCounterparty	Sends document request to counterparty portal

Reporting & Export

Function	Purpose
generateRegulatoryReport	Generates regulatory compliance report (PDF/CSV)
generateRegulatoryReportPDF	PDF-specific regulatory report generation
generateRegulatoryReportCSV	CSV-specific regulatory report export
generateComplianceSummaryPDF	Consolidated compliance summary PDF
generateMonthlyComplianceSummary	Monthly compliance digest generation
generateMonthlyRiskReport	Monthly risk intelligence report
generateCounterpartyComplianceReport	Individual counterparty compliance report
generateCounterpartyReport	Full counterparty due diligence report
generateClientRiskReport	Client-facing risk report generation
generateAlertCommentary	AI-generated commentary on alerts
generateAlertInvestorCommentary	Investor-facing alert commentary
generateAISummary	AI summary for cases, reports, or entities
generatePortfolioComparisonPDF	Portfolio peer comparison PDF
generatePortfolioComparisonExcel	Portfolio peer comparison Excel export
generateReviewSummary	AI review summary for workflow approvals
generateCountryRiskReport	Country-specific risk report
generateInvoicePDF	Billing invoice PDF generation
exportRiskIntelligenceCSV	CSV export of risk intelligence data
exportRiskIntelligencePDF	PDF export of risk intelligence data
exportReportCSV	Generic report CSV exporter
exportReportPDF	Generic report PDF exporter
complianceAuditReport	Full compliance audit trail report
generateScheduledReport	Executes a pre-configured scheduled report
createReportAutomation	Configures a new report schedule
generatePDFReport	Generic PDF report generation utility

Email Template System

Function	Purpose
emailTemplateHelper	Shared helper — builds all system emails with branded layout, standard disclaimer, and DB template override support
sendTestEmail	Sends a test email for verifying template rendering

Notifications & Alerts

Function	Purpose
sendNotifications	General notification dispatcher
sendComplianceAlertEmail	Sends compliance alert emails to officers (uses emailTemplateHelper)
sendComplianceReport	Emails compliance report to stakeholders
sendMonthlyComplianceReport	Scheduled monthly compliance email
notifyHighRiskEntity	Alert on high-risk entity creation/update
notifyHighRiskKYCChange	Alert on KYC case risk escalation
notifyRiskProfileChange	Notifies on significant risk score changes
notifyComplianceOfficerCriticalStatus	Critical status escalation to compliance officer
notifyAnalystCaseAssignment	Notifies analyst of new case assignment (uses emailTemplateHelper)
notifyManagerCriticalWorkflow	Escalates critical workflow items to manager
notifyAdminDocumentSubmitted	Alerts admin on portal document submission
notifyComplianceDocumentUpload	Notifies compliance team of new document upload
notifyPortalAction	Fires notification on counterparty portal action
sendDailyDigest	Sends daily compliance digest to administrators

Adverse Media & External Data

Function	Purpose
monitorAdverseMedia	Scans news sources for adverse media mentions
adverseMediaScanner	Core adverse media detection engine
fetchAdverseMedia	Fetches adverse media from external APIs
newsAdverseMediaConnector	Connects to news APIs for adverse media feeds
tagAdverseMediaArticle	AI-tags adverse media by risk category/sentiment
searchNegativeNews	Searches negative news for a given entity
fetchMacroeconomicIndicators	Fetches live macro data (IMF, World Bank)
ingestCentralBankData	Ingests central bank data feeds
validateIngestedData	Validates data quality for ingested records
importExternalRiskData	Imports risk data from external sources
syncRiskDataProvider	Syncs data from third-party risk data providers
companyRegistryConnector	Connects to African company registries
creditCheckConnector	Credit bureau data connector
processCSVIngestion	Processes CSV data ingestion uploads
checkStaleDat	Checks for stale/outdated data records
configureUpdateFrequencies	Sets refresh intervals for external data sources

Subscription & Billing

Function	Purpose
initializationSubscriptionPlans	Seeds default subscription plan records
initiateTrial	Starts a free trial for a new organization
changePlan	Processes plan upgrade or downgrade
cancelScheduledDowngrade	Cancels a scheduled plan downgrade
checkFeatureAccess	Validates org access to a specific feature
createStripeCheckout	Creates Stripe checkout session
stripeWebhook	Handles Stripe payment webhook events
createFlutterwaveCheckout	Creates Flutterwave checkout (African payments)
flutterwaveWebhook	Handles Flutterwave payment webhooks
createPaystackCheckout	Creates Paystack checkout (West Africa)
paystackWebhook	Handles Paystack payment webhooks
verifyPaymentStatus	Verifies payment completion status
createEnterpriseInvoice	Generates enterprise invoice for manual billing
uploadPaymentProof	Handles manual payment proof upload
initializeAddOnServices	Seeds default add-on service catalogue
purchaseAddOn	Processes add-on service purchase

Client Portal

Function	Purpose
generatePortalLink	Creates unique portal access link for counterparty
getPortalData	Fetches counterparty portal dashboard data
submitPortalDocument	Handles document submission from portal
submitPortalQuestionnaire	Processes questionnaire responses from portal
portalOperations	General portal CRUD operations handler
portalMessaging	Messaging between org and counterparty via portal
updateCounterpartyInfo	Updates counterparty data from portal submission

Audit & Compliance

Function	Purpose
logAuditAction	Core audit log writer — all platform actions
logAuditChange	Records data change events to audit trail
getAuditLogs	Fetches filtered audit logs for UI display
logRegulatoryReportAudit	Logs regulatory report lifecycle events

Support & Internal

Function	Purpose
createSupportTicket	Creates a customer support ticket
addTicketMessage	Adds message to an existing support ticket
getOrganizationAnalytics	Fetches platform usage analytics for admin
getTeamWorkloadMetrics	Returns team workload distribution metrics
taskOperations	CRUD operations handler for tasks
getComplianceAnalytics	Fetches compliance KPIs for analytics dashboard
buildRelationshipNetwork	Builds corporate relationship network graph
calculateKYCCaseRisk	Computes risk for a KYC case
handleInvestmentScreening	Screens investment counterparties
handleMacroRiskSpike	Handles macro risk spike alert events
handleRegulatoryChange	Processes regulatory change event
processAlertWorkflow	Routes alert through workflow stages
configureNigeriaRiskWeights	Nigeria-specific risk weight configuration
configureKenyaRiskWeights	Kenya-specific risk weight configuration
configureGhanaRiskWeights	Ghana-specific risk weight configuration
configureZARiskWeights	South Africa-specific risk weight configuration
initializeDefaultThresholds	Seeds default alert thresholds per org
initializeDefaultPESTLEMappings	Seeds PESTLE factor mappings
initializeDefaultRules	Seeds default compliance rules
createDemoAlerts	Creates demo alert data for new orgs
createDemoCountryRecords	Seeds demo country risk records
importDemoAlerts	Imports demo alerts into org workspace
importDemoCounterparties	Imports demo counterparties for sandbox
evaluateAndTagRisk	AI evaluation and risk tagging of entities
getRelevantExternalDataForPESTLE	Fetches relevant external data for PESTLE assessment

Defined in components/utils/rbac.js. The platform has two system-level roles (admin / user) and seven app-level user roles managed in the User entity via user_role.

Role	Description	Key Access
super_admin	Platform admin (Base44 admin role)	Full access to all features, settings, analytics, billing
compliance_officer	Senior compliance lead	All compliance actions, model approvals, report submission
risk_analyst	Risk and KYC analyst	View/edit counterparties, run screenings, manage KYC cases
manager	Team or department manager	Approve workflows, view team workload, override risk scores
viewer	Read-only stakeholder	View dashboards and reports; no write access
investor	External investor user	Portfolio comparison, risk heatmaps, investor-specific views
regulator	Government / regulatory body	Market-wide dashboards, regulatory alerts, data exports

Permission Categories

VIEW_DASHBOARDSVIEW_RISK_DASHBOARDVIEW_COUNTERPARTY_DASHBOARDVIEW_EARLY_WARNING_DASHBOARDVIEW_COMPLIANCE_DASHBOARDCREATE_KYC_CASEEDIT_KYC_CASEDELETE_KYC_CASEVIEW_REPORTSGENERATE_REPORTSEXPORT_DATAVIEW_AUDIT_LOGSEXPORT_AUDIT_LOGSINVITE_USERSMANAGE_SUBSCRIPTIONSOVERRIDE_RISK_SCORESVIEW_SENSITIVE_DOCSMANAGE_WORKFLOWSUSE_AI_FEATURES

Authenticated App Layout

Defined in layout.jsx. Wraps all authenticated pages. Includes:

Sticky top nav bar — logo, global search, primary links, "More" mega-menu dropdown, user info + logout
ComplianceAlertsBanner — org-scoped critical alerts shown at top of every page
TrialBanner — subscription trial countdown (AccessGate component)
SubscriptionStatusGate — wraps main content; blocks access if subscription lapsed
Email verification gate — blocks access if email_verified === false
Onboarding redirect — redirects to OnboardingWorkspace if org onboarding not complete
Footer — copyright and minimal branding

Landing Nav (LandingNav component)

Separate sticky nav for public pages. Scroll-reactive styling. Links to all landing sections, login CTA, and demo request trigger.

CommandPalette & KeyboardShortcuts

A global command palette (⌘K) for quick navigation and a keyboard shortcuts modal accessible from the nav bar. Both are rendered inside the Layout wrapper.

CommandPalette & KeyboardShortcuts

A global command palette (⌘K) for quick navigation and a keyboard shortcuts modal accessible from the nav bar. Both are rendered inside the Layout wrapper.

KYC Case Lifecycle

Counterparty created → autoScreenCounterparty fires
KYC Case created → onKYCCaseCreated automation fires; analyst assigned
Documents uploaded via DocumentUploadPanel; OCR extraction runs
Screening run (sanctions, PEP, adverse media); hits reviewed
Risk score calculated; PESTLE assessment completed
Case moves through Kanban stages: Open → Screening → Under Review → Pending Approval → Approved / Rejected
Manager approval step; final verification; case closed
KYC status updated on Counterparty entity; audit log written

Counterparty Onboarding Workflow (4-Step)

Document Collection — required documents checklist; upload status tracked
Compliance Review — automated compliance checks run; notes attached
Manager Approval — approval/rejection with notes
Final Verification — sign-off and record completion

Client Portal Onboarding

Compliance officer generates portal link via generatePortalLink
Link sent to counterparty; counterparty authenticates with ID
Counterparty completes business info form, uploads required documents
Submissions trigger notifyAdminDocumentSubmitted
Portal shows KYC status, risk score, and activity timeline

Regulatory Report Generation

User selects report type (quarterly, annual, sanctions, KYC completion, etc.)
Report period and jurisdiction configured
generateRegulatoryReport assembles summary metrics
PDF/CSV generated and stored; file_url saved to RegulatoryReport entity
Report moves through: Draft → Pending Review → Approved → Submitted
Audit log records all lifecycle events

Early Warning Alert Lifecycle

Scheduled monitoring engine evaluates thresholds every 5 minutes
Triggered alert creates RegulatoryChangeAlert record
Email notification sent to relevant compliance officers
Alert appears in EarlyWarningDashboard with severity colour coding
Officer marks alert as read / resolves required actions

Tier	Monthly Price (USD)	Key Limits	Payment Methods
Starter	From $299/mo	5 users, 50 counterparties, basic KYC	Stripe, Paystack, Flutterwave
Growth	From $799/mo	15 users, 250 counterparties, full KYC + screening	All gateways
Premium	From $1,999/mo	Unlimited users, full feature set, API access	All gateways + enterprise invoice
Government Suite	Custom	Multi-org, regulatory dashboards, data API	Enterprise invoice / bank transfer

Annual billing offers up to 20% discount. Trial period configurable per org. Add-ons (Advanced AI, External Data API, Priority Support) purchasable from AddOnMarketplace. Enterprise clients use manual payment with proof-of-payment upload.

Available at /investor-pitch. 11 slides with print-to-PDF functionality.

Slide	Title	Key Content
1	Cover	ReguClear tagline, founding team, contact
2	The Problem	Financial crime cost ($8.8T, UNODC 2024), FATF gaps, manual KYC pain
3	The Solution	Platform pillars: Risk Intelligence, KYC Automation, Compliance Reporting, Early Warning
4	Founder Story	Ishmael Bangura's origin narrative; vision from lived experience
5	Market Opportunity	TAM $4.2B, SAM $1.1B, SOM $180M; CAGR 18%; sourced from GVR, McKinsey, AfDB
6	Business Model	SaaS tiers (Starter→Government Suite), API licensing, advisory
7	Traction	12 pilot clients, $280K pipeline, 3 LOIs, 97% retention
8	Competitive Advantage	Africa-specific context, PESTLE + macro integration, multi-language
9	Financial Projections	3-year P&L: $680K → $1.8M → $3.8M ARR with unit economics
10	Milestones & Roadmap	Q1 2026: Series A → Q4 2027: Series B preparation
11	Leadership Team	Ishmael Bangura (Founder & CEO), Benjamin Pius (Co-founder & CTO)

Dashboard Components

RiskHeatMapGridRiskScoreTrendTopRiskyCounterpartiesTableRiskMatrixChartRiskDistributionChartRiskScoreDisplayRiskContributingFactorsRiskTrendChartWorkflowStageBreakdownCounterpartyRiskCalculator

KYC & Compliance Components

KYCCasesKanbanKYCAnalyticsTabCaseAssignmentPanelKYCCaseReportDialogScreeningPanelScreeningHitNotesPanelDocumentUploadPanelDocumentViewerDocumentVerificationUploadDocumentReviewPanelDocumentRequestPanelAIDocumentParserPanelOCRExtractionPanelDiscrepancyFlagPanel

Audit & Reporting Components

AuditTrailPanelAuditTrailViewerAuditLogViewerAuditFiltersAuditLogRowAuditActivityChartAuditStatsBarTopUsersPanelComplianceReportExporterComplianceSummaryReportGeneratorRegulatoryReportsListReportGenerationFormReportConfigPanelReportDataPreview

Alerts & Monitoring

ComplianceAlertsBannerRegulatoryAlertsPanelRegulatoryUpdatesTimelineEarlyWarningPanelAdverseMediaMonitoringPanelAdverseMediaMonitorRealTimeAlertsPanelRealTimeMonitoringDashboardMonthlyComplianceSummaryPanelAlertCommentaryPanelAlertInvestorCommentaryNegativeNewsPanel

Admin & Email

EmailTemplateManagerDataHealthDashboardIntegrationHubUserRoleManagementInternalAnalyticsTeamWorkloadDashboard

Utility & Access Control

AccessGateFeatureGatePermissionGateSubscriptionStatusGateUsageLimitBannerExportRestrictionNoticeRoleBadgeGlobalSearchCommandPaletteKeyboardShortcutsModalNotificationBellBackToTopLandingNavLandingFooter

Authentication: Base44 JWT-based auth with email verification gate and org onboarding redirect
Multi-tenancy: All entity reads/writes scoped by organization_id at entity access control level
RBAC: 7 app-level roles with 19 granular permissions; enforced at component and function level
Sensitive documents: is_sensitive flag restricts access to allowed_roles list
Private file storage: Documents stored as private files; signed URLs generated on-demand via CreateFileSignedUrl
Admin-only backend functions: All admin functions verify user.role === 'admin' and return 403 otherwise
Audit trail: Every significant platform action (50+ action types) written to AuditLog with performer, timestamp, IP, severity
Webhook validation: Stripe, Flutterwave, Paystack webhooks validated by provider signature before processing
Secrets management: All API keys stored as environment variables in Deno; never exposed to frontend

Integration	Type	Use Case
Stripe	Payment gateway	Global card payments, subscription billing
Flutterwave	Payment gateway	African card, mobile money, bank transfer
Paystack	Payment gateway	West African payments (Nigeria, Ghana, Kenya)
IMF API	Macro data	Economic indicators, GDP, inflation, debt ratios
World Bank API	Development data	Financial inclusion, poverty, governance scores
Central Bank APIs	Regulatory data	Country-specific monetary policy and banking data
Sanctions Lists	Screening data	OFAC, UN, EU, HMT, FATF sanctions lists
PEP Databases	Screening data	Politically Exposed Persons identification
News APIs	Adverse media	Real-time news for adverse media monitoring
Company Registries	Corporate data	African company registration and ownership data
Credit Bureaus	Credit data	Credit history and payment behaviour
Base44 AI (InvokeLLM)	AI/LLM	Risk summaries, PESTLE assessments, commentary

Automation Type	Trigger	Function	Purpose
Entity	KYCCase create	onKYCCaseCreated	Fires welcome/assignment notifications on new case
Entity	Counterparty create/update	autoScreenCounterparty	Auto-screens new/updated counterparties
Entity	KYCCase update (high risk)	notifyHighRiskKYCChange	Alerts on KYC case risk escalation
Entity	Counterparty update	notifyRiskProfileChange	Fires on significant risk score delta
Scheduled (5 min)	Recurring	runMonitoringEngine	Master monitoring loop
Scheduled (daily)	Daily 02:00	calculateDailyRiskScores	Refreshes all risk scores
Scheduled (daily)	Daily	monitorDocumentExpiry	Checks for expiring documents
Scheduled (monthly)	Monthly	generateMonthlyComplianceSummary	Monthly compliance digest
Scheduled (monthly)	Monthly	generateMonthlyRiskReport	Monthly risk report generation
Scheduled (monthly)	Monthly	sendMonthlyComplianceReport	Emails monthly compliance report
Entity	KYCCaseAssignment create	notifyAnalystCaseAssignment	Emails assigned analyst using emailTemplateHelper
Entity	Document create/update	monitorDocumentExpiry	Checks document expiry and sends reminders

REGUCLEAR — Confidential Internal Documentation

Version 2.0 · May 2026 · Prepared for internal use, board review, and due diligence

Founders: Ishmael Bangura (CEO) · Benjamin Pius (CTO)