Regula
Real-time regulatory intelligence platform for emerging-market FinTechs
FinTech / RegTech · Founder
Problem
Regulated businesses—especially FinTech startups and SMBs in emerging markets—face constant, fragmented regulatory changes across many sources (websites, PDFs, circulars, archives), heavy compliance burden without dedicated legal teams, and existing RegTech solutions that focus on US/EU/UK and exclude emerging markets. Missing an update can lead to license risk, penalties, and service disruptions.
Strategy
Build an automated, real-time regulatory intelligence platform that crawls regulator sources, detects changes with a diff engine, uses AI for summarization and impact scoring, and delivers actionable alerts via inbox, email, Slack, Teams, and webhooks—at SMB-friendly pricing and with region-first focus where incumbents don’t compete.
Architecture
Next.js 16 full-stack on Vercel: App Router, API routes, Server Actions, PostgreSQL (Drizzle ORM), multi-tenant row-level isolation. Background jobs via Inngest (crawls, diff processing, AI analysis, notifications). Crawl4AI for scraping, Google Gemini for LLM analysis, AWS S3 for documents, Upstash Redis for cache/rate limiting. Data flow: target config → scheduled crawl → version storage → change detection → AI analysis → alert generation → multi-channel delivery.
Execution
Implemented onboarding wizard (company profile, services, geography, compliance mapping, AI target discovery), target CRUD and crawl scheduling, version storage and diff engine, AI summarization/classification/impact scoring, alert inbox with triage/assign/comment/export, email + Slack + Teams + webhook notifications, Stripe subscription tiers (Free/Starter/Growth/Enterprise), usage quotas and dashboard, RBAC, audit logs, GDPR-style data export/deletion and consent management, and legal pages.
Solution
Regula automates monitoring of configured regulatory targets, detects meaningful changes (not just text diffs), generates AI summaries and impact scores, filters by relevance and user preferences, and delivers alerts through multiple channels with an audit-ready history—shifting compliance from manual monitoring to automated intelligence at an affordable price.
Measurable impact
Compliance workload reduction (e.g. 70%), 10–60 hours/month saved per org, time-to-first-value < 48 hours, actionable alert ratio > 60%, false-positive rate < 15%, activation (first alert) within 7 days. Business targets: CAC payback > 3 months, NRR ≥ 110%, churn < 5–7%.