Bank account vs CASP balance

Read the contract before the interface

Identify the counterparty named in each agreement: bank account, payment service, crypto custody and conversion. A group can use a common brand while allocating these services to different legal entities. The operating file should retain that separation. Match the account or asset balance to its contract and identify the relevant complaints and escalation process.

Do not generalise protection

The fact that a product is regulated does not mean every balance has the same legal treatment or compensation arrangements. Check the actual deposit, e-money or crypto-asset claim. Do not advertise a crypto balance as a protected bank deposit simply because a banking partner participates in the route. The exact protections must be verified from the applicable product and regime.

Build a role ledger

Use one row per entity and service. Record the source of its permission, the contract version, the role it performs, the assets or funds it holds, and the event that ends its responsibility. This is an editorial due-diligence method, not a certified classification. Resolve inconsistencies before funding rather than assuming that a licence elsewhere in the group covers them.