For financial services
KYC, term sheets, and filings
without the long tail.
Encrypt. Track. Prove.
Banks, broker-dealers, asset managers, insurers, and fintechs handle a constant stream of NPI-laden customer documents, term sheets, regulator submissions, and counterparty exchanges. CIPH4 is the channel for the documents that shouldn't have a long tail. Built to satisfy GLBA Safeguards, FINRA recordkeeping, and SOX evidence asks at the same time.
THE CHALLENGE
Where the long tail hurts
What teams in this role actually run into when secure transfer goes wrong.
01
FINRA Rule 4511 turns every email into a multi-year record
Broker-dealers must preserve all business-related communications for at least three years under FINRA Rule 4511, often six under SEC Rule 17a-4. Every NPI-bearing email attachment becomes a permanent compliance asset your firm must produce on a regulator's information request — exactly the records you wish had been transient.
02
One misforwarded NPI packet is a notification event
KYC packets, account-opening forms, and counterparty agreements carry NPI as defined by GLBA §501(b) and the Safeguards Rule (16 CFR Part 314). A single misdirected reply-all can trigger state-attorney-general notification timelines and consent-order risk.
03
Regulators want timestamped delivery and provable disposition
FINRA, SEC, and state regulators expect timestamped evidence of when a record was delivered, when it was accessed, and (where applicable) when it was destroyed. A screenshot of an email-sent timestamp doesn't survive a regulator's information request; an Ed25519-signed receipt does.
THE SOLUTION
What CIPH4 gives you
The product surface that maps to those problems, one feature at a time.
01
Per-IP allow / block rulesEnterprise
Pin recipient access to the counterparty's known network ranges before sharing. Per-org allowlists or personal blocks; enforcement updates the moment a rule changes. Maps to GLBA Safeguards Rule 16 CFR §314.4(c)(1) access-control expectations.
02
Signed deletion receipts your auditor can verifyEnterprise
Every Enterprise close-out produces a cryptographically signed receipt with the share ID, event type, timestamp, and the file's hash — verifiable on our public /verify page by your auditor, opposing counsel, or a regulator. Maps to FINRA Rule 4511 disposition evidence and SOX §404 evidence-of-destruction requirements.
03
Single sign-on and auto-provisioningEnterprise
Sign in with your existing identity provider (SAML 2.0 or OIDC). Auto-add and auto-remove users when your IdP onboards or offboards them. Aligns with GLBA Safeguards Rule §314.4(c)(2) identification and authentication requirements and the access-management controls every Big-4 audit asks about.
04
Manage encryption keys in your own KMSEnterprise
Bring your own KMS for metadata-encryption key custody. Even a worst-case CIPH4 compromise cannot decrypt your metadata without your KMS allowing it. Often required by regulator-driven security postures and large-counterparty security reviews.
05
File requests for inbound documentsTeams
Collect KYC documents, signed letters of indemnity, W-9s, or counterparty filings through an encrypted inbound link instead of email. Files arrive encrypted at rest, with the same audit-trail and receipt model as outbound shares.
06
Tamper-evident audit log of every access event
Every access event — created, viewed, downloaded, expired, revoked — is cryptographically chained to the one before it, so any after-the-fact change is mathematically detectable. The log itself becomes a defensible compliance artifact for FINRA, SEC, and state regulator examinations.
THE FLOW
How a typical workflow looks
A typical sequence — from intent to evidence — in three steps.
01
Open
Onboarding, ops, or front-office team drops the KYC packet, term sheet, or regulator filing into a new link, sets passphrase, expiry, and per-IP allowlist scoped to the counterparty's known network range. File never leaves the user's browser unencrypted.
02
Track
Real-time access event arrives the moment the recipient decrypts. The full trail — IP, rough geo, timestamp, device — is hash-chained for the compliance log. Compliance reviews access in their dashboard or pulls a CSV/JSON export for the e-discovery vendor.
03
Prove
When the document closes — by view exhaustion, expiry, or manual revoke at deal close — pull the signed deletion receipt and attach it to the regulator-facing record, the deal binder, or the FINRA WSP file. Auditors verify the signature on our public /verify page; no CIPH4 account required.
THE FRAMING
Where CIPH4 fits your program
How the same building blocks land against the frameworks your auditor cares about.
01
Frameworks we map
GLBA Safeguards Rule (16 CFR Part 314), FINRA Rule 4511, SEC Rule 17a-4, SOX §302 / §404, PCI-DSS, NYDFS 23 NYCRR 500, and (for EU customers) GDPR. Included as ready-to-use compliance templates with control catalogs your team populates with your own evidence.
02
Controls we ship
Client-side encryption with keys that never reach our servers; sign in with your identity provider; auto-provisioning from your IdP; bring your own KMS for metadata key custody; per-IP allowlists scoped to counterparty networks; tamper-evident audit logging across every access event.
03
Artifacts we generate
Signed deletion receipts for regulator-facing document closures and deal close-outs. Tamper-evident access log per share. Both verifiable on our public /verify page by counterparty counsel, internal audit, or a regulator's e-discovery vendor.
Ready to see it?
20 free links a month, no credit card. When you need single sign-on, compliance templates, or signed deletion receipts your auditor can verify — we'll talk.