Utopia®
Utopia® — Real-Time Credit and Risk Control
Every market change shifts exposure. Every client trade adjusts margin. Intraday volatility requires visibility that legacy systems cannot provide.
Utopia gives institutions continuous oversight of credit, exposure, and capital utilization across all accounts, currencies, and asset classes. It combines intraday recalculation, AI-assisted margining, and automated exception management within a single control layer for broker-dealers and clearing firms.
Built for today’s markets. Ready for tomorrow’s reality.
AI Risk Agents
Intelligent, rule-based agents operate under human supervision to analyze exposure, trigger recalculations, and alert supervisors before breaches occur. Each action is logged for audit and compliance, ensuring transparent oversight.
Real-Time Margining Engine
Calculates credit, collateral, and margin needs across equities, derivatives, fixed income, and tokenized assets. Complies with Reg T, FINRA 4210, ESMA, and Basel III guidelines.
Dynamic Credit Limits
Continuously updates firm-wide limits and counterparty thresholds based on live market data, offering real-time control of leverage and liquidity exposure.
Scenario and Stress Simulation
“What-if” tools simulate extreme market events and portfolio adjustments, assisting risk officers in planning capital allocation and validating resiliency under supervision.
Low-Disruption Deployment
Modular rollout integrates with existing OMS, settlement, and clearing systems through ClearOS Smart API. No rebuild necessary; simply enable and expand control.
Multi-Asset, Multi-Currency Margining
Handles equities, options, futures, bonds, and digital instruments across currencies and jurisdictions within a unified framework.
Intraday Exposure Monitoring
Recalculates account and portfolio exposures on every market tick, providing immediate updates to dashboards and downstream systems.
Credit Allocation & Funding Analytics
Aggregates collateral across custodians and entities, optimizing available capital and funding options for minimal drag.
Exception & Breach Management
Detects, prioritizes, and routes exceptions such as margin shortfalls, limit breaches, and compliance flags, using automated playbooks with SLA tracking.
Regulatory & Compliance Controls
Implements regional rule sets and risk models, generating audit-ready evidence through Reguliant integration.
Advanced Scenario & Formula Customization
Built-in What-If engine (Black-Scholes-Merton, Cox-Ross-Rubinstein) plus user-defined models and volatility surfaces for institution-specific libraries.
Executive Dashboards & Reporting
Role-based views for operations, risk, finance, and compliance. Produces instant summaries of position, capital, and exposure with full lineage.
Security & Resilience
End-to-end encryption, granular roles, active-active replication, and continuous monitoring ensure uninterrupted control.
- Intraday, cross-asset exposure visibility and predictive stress control
- Reduced margin utilization and optimized capital efficiency across desks
- Continuous regulatory compliance with real-time, auditable records
- Faster detection, prioritization, and resolution of breaches through AI playbooks
- Built-in scenario modeling for what-if risk and market shocks
- Ready for T+0 and digital-asset settlement environments
- Real-time credit, exposure, and VaR analytics
- Built-in What-If Scenario Engine (Black-Scholes-Merton, Cox-Ross-Rubinstein, custom models)
- User-defined formula library for proprietary risk and margin frameworks
- Multi-asset, multi-currency margining with cross-product offsets
- AI risk agents and automated exception playbooks
- Cross-custodian collateral and funding visibility
- Stress testing, PFE, and capital optimization analytics
- Open integration with OMS, clearing, and treasury systems via Smart API
- Supervisory dashboards with live limit monitoring and configurable alerts
- Geo-redundant, active-active resilience with continuous replication
- Paperless, sustainability-aligned operations with digital recordkeeping
ClearOS serves as the unified books-and-records foundation of the ClearOne suite. Utopia builds on that foundation by offering continuous credit, exposure, and margin intelligence across all trading, clearing, and settlement functions. Both share authentication, data models, and Smart API connections for seamless interoperability. Utopia can operate as part of ClearOS or alongside any internal risk or clearing platform.
ATTLAS®
Tax-lot and cost-basis reporting
PowerPledge®
Collateral management and liquidity optimization
Reguliant®
Regulatory filings, monitoring, and audit trails
PowerCage®
Real-time settlement and financing control
All modules utilize a shared data model and Smart API layer with single sign-on. Risk, funding, and compliance data flow seamlessly across applications in real time.
Global Coverage
Operates throughout North America, Europe, and Asia-Pacific with support for multiple currencies and regional compliance. Offers 24-hour oversight for T+1 and hybrid markets and is fully equipped for real-time risk and margin management.
Global presence. Local compliance.
Security, Compliance, and Assurance
Aligned with SOC 2 Type II and ISO 27001 standards. Complies with regional data residency, encryption, and supervisory policies. Each recalculation and transaction maintains a complete lineage for regulator review through Reguliant integration.
Available for cloud, on-premise, or hybrid deployment. Provided by integrated teams in the U.S. and Vietnam operating under a unified global standard. Includes onboarding, configuration, user training, and around-the-clock support from 24/6 teams.
Enterprise reliability. Scaled for every firm.
Digital workflows and automated reporting minimize manual work and paper usage, supporting institutions in achieving operational efficiency and ESG goals.
The technology lineage behind Utopia has supported institutional credit and risk systems for over fifty years. That same infrastructure processes more than 90 percent of U.S. equity and options markets, handling trillions in daily exposure with 99.99 percent uptime. Utopia brings that dependability into the age of AI, real-time data, and tokenized assets.
Because speed and accuracy define the market.
Utopia®. Real-Time Risk for a Real-Time World.