iFile-Dis - IRIS RegTech Solutions Limited

Safeguard Economy with IRIS DIS

A Central Bank-Grade Platform for Building Public Trust and Financial Security.

Request a Demo

Deposit Insurance. Simplified. Secure. Swift.

From Depositor Data to Final Payouts- Everything Managed on One Platform.

Safeguard Economy with IRIS DIS

A Central Bank-Grade Platform for Building Public Trust and Financial Security.

Request a Demo

Be Prepared Before the Crisis Hits

Move from Reactive Payouts to a Proactive, Tech-enabled Protection System.

Safeguard Economy with IRIS DIS

A Central Bank-Grade Platform for Building Public Trust and Financial Security.

Request a Demo

When Banks Fail, Confidence Must Not

Ensure Public Trust with Fast, Transparent, and Rule-based Deposit Compensation.

Safeguard Economy with IRIS DIS

A Central Bank-Grade Platform for Building Public Trust and Financial Security.

Request a Demo

Built for Financial Stability of Banking Ecosystem. Trusted Globally

Designed to Support Large-scale Deposit Insurance Mandates with Precision and Reliability.

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What is a Deposit Insurance System (DIS)?

A Deposit Insurance System ensures that eligible depositors are compensated in the event of a bank shutdown. It protects the financial system from public panic and maintains depositor confidence- two vital components of financial stability for any country.

While traditionally handled manually or reactively, the rising complexity and digital scale of banking demand a technology-first approach to deposit insurance.

Why Deposit Insurance Matters Now More Than Ever

Deposit Insurance is no longer optional. It’s essential.

When a financial institution collapses, the public expects immediate answers:

Will I get my money back?

How much is covered?

When will I receive it?

Without a structured system in place, governments often fall back on taxpayer-funded bailouts, delayed disbursements, and ambiguous guidelines- all of which erode trust in the financial sector.
IRIS DIS helps financial authorities answer those questions proactively- with a structured, transparent, and automated platform.

The Growing Complexity of Protecting Depositors

The Challenge with Traditional Methods

Delayed payouts after bank shutdown

Ambiguity around depositor eligibility and amounts

Manual processes that overwhelm during crises

Taxpayer burden and public backlash

The Modern Reality

Millions of depositors across multiple institutions

Highly digital banking systems

Expectation for real-time payout visibility

Urgent need for real-time risk monitoring

Meet IRIS DIS - A Complete Deposit Insurance Technology Platform

IRIS DIS is a purpose-built solution for regulators and central banks seeking to implement or enhance their deposit insurance system.

It enables end-to-end automation of:

Data Collection & Validation

Fund & Coverage Management

Payout Processing

Depositor Interaction

Reporting & Governance Oversight

What IRIS DIS Offers

Accurate Data Collection

Banks upload depositor data to a secure portal

Automatic data cleansing and validation

Generation of Single Customer View (SCV)

Real-time monitoring and audit trails

Outcome: A clean, actionable depositor database ready for activation anytime

Coverage and Fund Management

Calculate premiums and levies for each bank

Track fund adequacy and reserve health

Generate invoices and integrate with ERP systems

Configure custom coverage rules per jurisdiction

Outcome: A clean, actionable depositor database ready for activation anytime

Swift, Transparent Payouts in Case of Bank Failure

Trigger payout mode automatically

Alert depositors to confirm identity

Allow claim registration and payout account selection

Disburse insured amounts digitally with statements

Enable dispute resolution and re-validation workflows

Outcome: Calm, orderly, and efficient response to bank failure

Stakeholder Dashboards & Oversight Tools

Supervisory dashboards for real-time overview

Institution-wise compliance status

Payout analytics and heatmaps

Custom regulatory reports and exports

Outcome: Control, visibility, and auditability across all layers

Why Choose IRIS DIS

Proven at Scale

Used by regulators across Asia and Africa to manage complex depositor environments.

Tailored for Financial Stability

Specially designed for financial authorities to uphold trust and systemic security.

End-to-End Coverage

From onboarding banks and validating depositor data to calculating coverage and executing payouts - every stage is automated for accuracy, speed, and reduced operational burden.

Secure & Compliant

Built with enterprise-grade data protection and audit readiness.

Encryption Enabled Data Privacy of PII of Depositors

Absolute confidentiality and integrity of Personally Identifiable Information (PII) of depositors, meeting the highest standards of data security and compliance.

Built for All DIS Stakeholders

Supports every stakeholder involved in the deposit insurance process - from supervisory authorities and member institutions to insured depositors - within a single, centralized platform.

Integration Ready

Easily integrate with existing ERP systems, payment gateways, and identity verification services to streamline premium invoicing, fund management, and seamless disbursements.