Avoid Bank Holds on High-value Transactions
White-glove compliance intelligence engineered for luxury asset retailers.
Discover in 30 seconds how your premium asset payment is likely viewed by banks, and enhance its readiness with Fidua.
Run the simulationWire scenario
Three anonymous inputs. No personal data is collected.
If your customer's wire arrives unaccompanied
This is what the bank's monitoring would see, and what a manual review team would have to clear before releasing the funds.
Transaction Risk Diagnostic · internal to your business. This assessment stays on your dashboard and is never included in the document handed to a bank.
With Fidua in the loop
Pre-checkout compliance package, handed to the bank's manual review at the gate. It limits the risk of a wire being held for a longer period, and the risk of future wires being postponed. Business runs smoother over time, as banks come to recognize you as an established luxury asset retailer.
- ✓ Verified, customer-consented identity (Pillar 1 zkTLS + Pillar 2 signed VC).
- ✓ Source-of-funds attestation bound to the wire's remittance field.
- ✓ Asset-identity binding through Pillar 7 (gem certificate / registry provenance).
- ✓ Merkle Tree Root sealed in a hardware enclave with zero retention.
How the simulator works
Three anonymous inputs
Transaction value, origin bank, client risk profile. No identity captured, no logs, no cookies.
Bank-tripwire engine
A deterministic model of how Dutch banks' automated monitoring reads a wire under the Article 17a postponement powers.
Fidua mitigation
The same scenario, with the Fidua pre-checkout compliance package attached. The same gate, a cleared outcome.
Why Fidua
The regulatory threat
Under Article 17a of the Dutch Wwft (effective 1 July 2026), FIU-Nederland can request banks to temporarily freeze transactions suspected of money laundering or terrorist financing. These targeted, case-by-case investigative holds can halt payment execution for up to 5 working days, or 10 days for foreign FIU requests, creating sudden, critical bottlenecks for businesses.
The predictive shield
Fidua helps independent luxury jewelers and watch specialists see how a high-value payment is likely to be assessed by a bank before it is made. By checking the payment against current compliance indicators, Fidua helps you prepare the right documentation and show a clear economic rationale, so a client's purchase is far less likely to be held up at the bank.
Algorithmic pre-screening
Fidua acts as a secure early radar system without altering your standard financial flow. By mapping prospective payment parameters, including routing channels, geographic origins, and transaction values, the simulator identifies likely banking tripwires.
Become a Founding Partner
Secure your cohort allocation
Participation is currently open to a select group of independent Dutch luxury jewelers and watch retailers as Founding Design Partners. Connect with our engineering team to run a private simulation and secure your place.
Stay clear of the freeze
90-day Design Partnership Agreements are open for selected independent luxury jewelers and watch retailers. Fully synchronized with the 1 July 2026 Wwft Article 17a enforcement.
Request your DPA