Automated Reconciliation
Define debit/credit rules and let Valido run nightly reconciliation checks against your Plaid or Stripe exports. It instantly surfaces unmatched transactions, ensuring your cash position matches your banking statement.
Fintech Audit-Ready
When regulators ask questions, your data should have the answers.
Move beyond basic error checking to a proactive audit-ready state. Valido ensures transaction data consistency, real-time balance validation, and complete audit trails for PCI-DSS and SOX compliance.
SOC 2 Type II certified · GDPR compliant
Reconciliation accuracy
99.99%
The Fintech Gap
Why data accuracy breaks compliance
In high-stakes financial environments, a single discrepancy can trigger a regulatory review or a costly audit. Common failures include transaction data inconsistencies across ledger systems and reporting lag that obscures the true state of accounts.
Transaction data inconsistencies
When payment gateways, core banking systems, and internal ledgers don't sync, you face cross-system reconciliation failures. Valido continuously compares incoming transaction streams against your ledger, flagging drift before it impacts liquidity reports.
Result: Zero tolerance for floating-point errors or unmatched transaction IDs.
Reporting lag and audit trail gaps
Traditional ETL processes can introduce latency that makes it impossible to answer regulators' questions in real-time. Without a complete lineage, you risk creating "ad-hoc" reports that don't hold up under scrutiny. Valido provides an immutable audit log of every data quality check performed.
Result: A single source of truth that proves your data was accurate at the moment of reporting.
How Valido Works
Automated reconciliation and audit readiness
Validate balances, trace lineage, and pre-flight check reports against regulatory frameworks without slowing down your ETL pipelines.
Immutable Audit Logs
Every validation run is timestamped and version-controlled. When an auditor asks, "Was this data clean on October 12th?", you can provide a complete history of rule executions and pass/fail results in seconds.
Real-Time Balance Validation
Monitor liquidity and cash positions in real-time. Valido alerts you instantly if a discrepancy exceeds your defined tolerance, allowing your treasury team to react to liquidity gaps before they impact operations.
Regulatory Report Pre-Flight
Before exporting data for Basel III stress testing or PCI-DSS compliance reports, run Valido's pre-flight checks. Ensure schema integrity and data completeness automatically, reducing the risk of rejected submissions.
Compliance Standards
Built for strict regulatory environments
SOX
Financial reporting controls ready
PCI-DSS
Secure data handling validation
Basel III
Stress testing data integrity
GDPR
Data quality controls for PII
Testimonial
"The audit logs alone saved us two days of work"
VP of Data, PayStream
"Validating our ledger against Plaid data exports was a nightmare until we switched to Valido. The immutable audit logs alone saved our auditors two days of manual work. It’s the only tool that truly understands transaction-level data quality and can handle the volume of our daily transactions."
Payments Infrastructure
Sarah Jenkins
VP of Data Operations
Native Integrations
Connect your fintech stack in minutes
Seamlessly ingest data from payment gateways, banking APIs, and core banking systems without writing custom ETL.
Payment Gateways & Banking APIs
Deep integrations with Plaid and Stripe exports allow Valido to read transaction-level data directly. We validate transaction types, amounts, and timestamps against your internal ledger to ensure perfect parity.
Core Banking ETL Pipelines
Connects directly to legacy banking systems and modern ETL tools like Fivetran, Airbyte, and dbt Cloud. Valido validates the *output* of your ETL, ensuring that what reaches your data warehouse is clean and compliant.
Ready to secure your audit trail?
Book a fintech-specific demo to see how Valido validates transaction integrity and ensures your data is ready for the regulator.