Revolut
How Revolut Built Self-Sustaining Regulatory Infrastructure to Secure Their UK Banking Licence
The Situation
What the client was facing
In 2021, Revolut was scaling rapidly toward 20M+ customers across Europe. To unlock institutional banking capabilities and meet UK regulatory expectations, they needed a full banking licence.
The challenge? Integrating Axiom - their new regulatory reporting system - into an already sophisticated data ecosystem. Working alongside multiple consultancies, Trend Labs needed to deliver a solution that would require minimal ongoing maintenance, allowing Revolut's team to stay focused on aggressive growth while remaining compliant.
Complex integration of Axiom into existing data infrastructure
Need for self-sustaining solution with minimal operational overhead
Critical regulatory deadlines that couldn't be missed
The Approach
How we delivered the solution
Trend Labs integrated Axiom into Revolut's data ecosystem, building the complete infrastructure for capital, liquidity, and FINREP regulatory reporting - designed to run with minimal ongoing intervention.
Our approach focused on building self-sustaining, production-grade infrastructure:
End-to-End Data Infrastructure
Built dimensional models, data pipelines, orchestration, and delivery mechanisms for weekly regulatory submissions
Comprehensive Quality Framework
Implemented automated validation, quality checks, and testing to ensure data accuracy and regulatory compliance
Audit Trail & Version Control
Delivered immutable logs and version control for every submission
Low-Maintenance Architecture
Designed self-healing pipelines and automated monitoring to minimisa operational burden on Revolut's team
Knowledge Transfer & Enablement
Embedded with Revolut's engineering teams to ensure full ownership and capability to extend the platform
Project Timeline
17 months total delivery
Requirements gathering, architecture design, and infrastructure planning
Data pipelines, storage solutions, and quality frameworks
Building 1,500+ automated reports with audit trails
Performance optimisation, quality assurance, and production deployment
Requirements gathering, architecture design, and infrastructure planning
Data pipelines, storage solutions, and quality frameworks
Building 1,500+ automated reports with audit trails
Performance optimisation, quality assurance, and production deployment
The Transformation
From manual chaos to automated confidence
Within 17 months, Revolut's regulatory reporting infrastructure went from non-existent to best-in-class.
Business Impact
- ✓Full UK banking licence approval secured on schedule
- ✓£2.3M+ avoided in compliance penalties and manual overhead
- ✓Scalable platform now supporting Revolut's expansion into 8 additional markets
Operational Impact
- ✓Engineering teams freed to focus on growth initiatives while maintaining full compliance
- ✓99.9% report accuracy eliminating regulatory risk from data quality issues
- ✓Weekly automated submissions running reliably with built-in monitoring and alerts
Technical Impact
- ✓Self-sustaining architecture requiring minimal operational intervention
- ✓Scalable cloud-native infrastructure built for long-term maintainability
- ✓Complete knowledge transfer enabling Revolut's team to own and extend the platform
Technology Stack
Modern, production-grade tools delivering enterprise reliability
Data Processing
Data Storage
Infrastructure
Quality & Testing
Reporting & Delivery
Ready to Build Compliance Infrastructure That Scales?
If you're navigating complex regulatory requirements - whether for licensing, expansion, or operational efficiency - Trend Labs can design a solution tailored to your timelines and risk profile.
We'll build a small, working example using your data requirements-delivered in 15–30 business days. No cost, no commitment.