Permitfolio Launches Regulation-as-Data Platform for U.S. Money Transmitters

New platform introduces PI Rule Graph Engine, Strictest Feasible Envelope analysis, and ProofPack workflow to support audit-ready prudential compliance

Mar. 20, 2026 at 7:35am

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Permitfolio, a New York City-based regulatory technology company, announced the launch of a regulation-as-data platform designed to convert U.S. state money transmitter requirements into machine-readable, auditable constraint systems, starting with Permissible Investments (PI). The platform aims to help money transmitters, companies that move money on behalf of customers, manage the complex operational challenges of complying with fragmented state regulations that can affect how customer funds are held and invested.

Why it matters

Managing PI across multiple state regimes can present complex operational challenges for compliance and treasury teams, as PI rules can vary significantly across jurisdictions, influencing asset eligibility, concentration limits, maturity rules, and other conditions. Permitfolio's platform seeks to help organizations move beyond manual spreadsheet tracking and toward structured compliance workflows that can be explained and reproduced during regulatory examinations.

The details

Permitfolio's platform converts state-level regulatory text into structured rule systems designed to produce consistent evaluations and clearer audit trails across all 50 U.S. states for PI requirements. The system includes three core capabilities: the PI Rule Graph Engine, which standardizes state-level PI provisions into a structured rule library; the Strictest Feasible Envelope (SFE), which identifies the most conservative common PI baseline across multiple states; and ProofPack, which captures time-stamped snapshots of holdings, rule versions, and evaluation results to help teams preserve the reasoning behind compliance decisions.

  • Permitfolio announced the launch of the platform on March 20, 2026.

The players

Permitfolio

A New York City-based regulatory technology company building regulation-as-data systems for U.S. money transmitter requirements, starting with Permissible Investments (PI).

Amelia He

The founder of Permitfolio.

Colette Xu

The Strategy Planning Manager at Permitfolio.

Shoshana Zhang

The head of the Permitfolio Regulation Research Institute.

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What they’re saying

“We care about our clients' growth, needs, and experiences. Legal software is not about taking people's jobs, it simply takes repetitive work out of human hands, and give professionals more time to make higher-value judgments and create.”

— Amelia He, Founder, Permitfolio

“By using our platform, we make decisions explainable, auditable and repeatable. We want compliance to be a catalyst — compliance done right accelerates innovation rather than constrains it.”

— Colette Xu, Strategy Planning Manager, Permitfolio

“We don't want to be only a technology product builder, we also want to use academic research to anticipate how regulations may evolve. The Permitfolio Regulation Research Institute provides research support for the product and longer-term work on broader regulatory questions.”

— Shoshana Zhang, Head, Permitfolio Regulation Research Institute

What’s next

Permitfolio said the current release focuses on PI-related prudential requirements, with additional expansion planned as modeling coverage grows. Organizations can request a demo or schedule a platform walkthrough through the company's launch channels.

The takeaway

Permitfolio's regulation-as-data platform aims to help money transmitters manage the complex operational challenges of complying with fragmented state regulations on permissible investments, moving beyond manual spreadsheet tracking and toward structured compliance workflows that can be explained and reproduced during regulatory examinations.