7 January, 2026
The European AI Act 2026, what does it mean for your business continuity?
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Sectors
Escrow for the Finance industry
Protect your critical finance systems
Introduction
In finance, trust, transparency and continuity are essential
The financial sector depends heavily on digital systems. Banks, insurers, pension funds and fintech companies rely on complex software for payments, investment management, customer portals, reporting and regulatory compliance. These applications are at the core of daily financial operations.
But what happens if a mission-critical application suddenly becomes unavailable or a software vendor fails? In a sector where downtime leads directly to financial loss, compliance risks and reputational damage, continuity is non-negotiable.
Escrow4all’s escrow services provide financial institutions with certainty. By guaranteeing access to source code, data and documentation, you safeguard business continuity — without being dependent on a single vendor.
Escrow in finance
Escrow in the Financial industry
1) Financial software as the backbone of your services
From real-time transaction processing to risk analysis and reporting — without software, your service delivery stops.
With Software Escrow, you secure source code, configurations, and integrations (such as SWIFT, FIX, PSD2 APIs).
With Data Escrow, you safeguard datasets, data models, and migration procedures.
This ensures business operations can continue — even if your supplier goes offline.
2) Continuity, compliance & customer trust
A service outage or supplier bankruptcy can directly impact customer obligations, regulatory reporting, or payment operations.
Thanks to escrow, you can respond quickly in case of a disruption — by taking over management or restarting from an alternative environment.
We tailor the release criteria to your risk profile, SLAs, and internal control measures.
3) IP protection without compromise
Many financial institutions rely on custom-built solutions or integrations with legacy systems.
Escrow ensures access to this custom software without infringing on intellectual property rights.
We record everything needed to restart operations safely: version control, deployment steps, configuration files, and validation scripts.
4) Regulation & oversight: DNB, GDPR, NIS2, EBA
Supervisory authorities require verifiable measures for business continuity, information security, and data accessibility. Think of:
DNB Good Practice on outsourcing to third parties
EBA Guidelines on ICT & Security Risk Management
NIS2 and the GDPR (AVG in Dutch)
Our escrow services help you meet these requirements through verifiable documentation, audit-ready verification reports, and traceable procedures.
5) What do we secure?
Source code, configuration files, API specifications (e.g. PSD2, FIX)
Data models, migration manuals, data schemas
Validation protocols, test results, deployment instructions
Runbooks for emergency scenarios, fallback mechanisms, RTO/RPO documentation
6) Verification with financial reality in mind
Our verifications go beyond basic checks.
We test whether the source code can be compiled, perform functional validations in a test environment, and assess all dependencies — including databases, external APIs, and middleware.
That way, you know for sure that a restart is technically feasible — not just in theory, but proven in practice.
Partners within the Financial industry
In the financial sector, continuity and reliability of digital systems are critical.
Banks, insurers, and financial service providers depend on stable IT solutions to perform their core processes safely and efficiently.
Together with our partners in finance, Escrow4all ensures uninterrupted digital continuity.
Every client is unique. That’s why we follow a proven, tailored procedure:
01
Analyses
Insight into your specific business case and requirements.
02
Advice
Tailored recommendations based on our expertise and years of experience.
03
Execution
A secured, technical and legal implementation process.
The financial sector relies on highly available and reliable IT systems. From customer portals and payment infrastructure to risk engines and compliance tools — any disruption can immediately impact customer trust, regulatory obligations, and financial continuity. Escrow ensures access to source code, configurations, and documentation of critical software, so you can continue using, restoring, or migrating systems if a supplier fails.
Yes. Escrow directly supports your compliance efforts with frameworks such as NIS2, the Digital Operational Resilience Act (DORA), ISO 27001, and EBA outsourcing guidelines. Regulators demand demonstrable measures to control third-party risks. Escrow provides verifiable evidence that you are prepared for disruptions within your digital supply chain.
In case of supplier failure or bankruptcy, the escrow arrangement allows for controlled release of source code and technical documentation. This enables internal teams or external specialists to:
Take over or host the software
Implement emergency fixes or recovery
Continue development or patch vulnerabilities
Maintain availability of client data and financial services
Escrow reduces downtime, mitigates SLA risks, and protects against financial losses and regulatory breaches.
Many financial institutions rely on proprietary or customized software — from credit risk engines to portfolio management tools. Escrow ensures that the supplier’s intellectual property is protected, while giving your organization guaranteed access to the technical assets needed to ensure business continuity. This creates a healthy balance between innovation, IP protection, and operational risk control.
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