Vermogensscheiding
Klantgeld is altijd gescheiden van het eigen vermogen van HALPA en wordt nooit in rentedragende instrumenten geplaatst.
Customer funds (safeguarded)
€ 18.942.771
3.921 accounts
Merchant payable balances
€ 9.284.114
1.284 accounts
HALPA operating revenue
€ 2.418.903
4 accounts
Provider receivables
€ 4.128.775
6 accounts
Scheiding van gelden
Elke categorie staat op een aparte rekening met eigen beheersmaatregel
| Categorie | Beheersmaatregel | Rekeningen | Aandeel | Ontvangen rente | Bedrag |
|---|---|---|---|---|---|
| Customer funds (safeguarded) | Segregated · no interest earned | 3.921 | 54.5% | 0,00 | € 18.942.771,18 |
| Merchant payable balances | Segregated · payable on settlement | 1.284 | 26.7% | 0,00 | € 9.284.113,55 |
| HALPA operating revenue | Fee revenue only | 4 | 7.0% | 0,00 | € 2.418.902,77 |
| Provider receivables | In transit from acquirers | 6 | 11.9% | 0,00 | € 4.128.774,90 |
Safeguarding-maatregelen
- • Daily safeguarding reconciliation between the HALPA ledger and the safeguarding account balance.
- • Customer and merchant funds are never commingled with HALPA fee revenue.
- • Treasury placement excludes interest-bearing instruments (Halal Finance policy HF-06).
- • Shortfall alerts route straight to the Finance Controller and Compliance Lead.