The year 2025 was a journey of change and innovation for Mirai RiskTech, a journey of testing new approaches while confirming that we are on the right path. Unlike other solutions, Mirai provides a truly unified risk and regulatory approach, allowing management and regulatory data and metrics to flow seamlessly across the organization.
One of the key elements behind the company’s leadership is its conviction that an integrated balance sheet management platform should keep every function—ALM, Liquidity, FTP, Risk, Finance, and reporting—aligned and handled within a single, coherent environment, built on a consistent data foundation. This structural backbone underpins everything we do and defines how we approach the next phase of our growth.
The impact of this technology is something we see firsthand in our day-to-day conversations with clients. A significant number of them tell us that tasks which once took weeks across fragmented and complex system architectures can now be completed in minutes, freeing their teams to focus on strategic analysis rather than manual work. This reflects the company’s vision. At Mirai, our product design philosophy is rooted in simplicity and integration: building solutions that connect data and processes while removing unnecessary complexity. This approach allows institutions to respond more quickly and confidently to ALCO decisions and balance sheet management needs, supported by a foundation that is robust, compliant, and adaptable to evolving regulatory requirements.
These benefits are not theoretical. Clients consistently report dramatic reductions in processing time, greater accuracy through increased data granularity, and significant cost efficiencies. By replacing multiple legacy systems—for management reporting, regulatory reporting, stress testing, and scenario generation—with a single integrated platform. This consolidation delivers substantial savings, with total cost of ownership reduced by up to 70% compared to incumbent solutions. Mirai’s cloud-native infrastructure further enhances these efficiencies, optimizing performance while lowering maintenance and infrastructure costs.
This impact is reinforced by Mirai’s pace of innovation, one of our greatest strengths. The company’s cloud-native, microservices-based architecture and continuous integration framework enable quarterly releases without service disruption. This structure ensures that improvements and new functionalities are deployed efficiently, maintaining the stability and reliability that our clients expect. Each update reflects a balance between technological advancement and operational consistency.
Built on these principles, the platform offers scalability and agility in the face of constant regulatory evolution. Its flexible design allows rapid adaptation to new frameworks and requirements, reducing time to market and ensuring institutions remain compliant and competitive.
With deep regulatory coverage, especially in interest rate and liquidity risk, and a continuously expanding framework to include more regulatory bodies, Mirai stands out as a pioneer in delivering comprehensive, future-ready solutions. In this path, we continue to monitor global regulatory trends closely, ensuring our clients stay ahead of evolving requirements.
In Europe, initiatives such as the ECB’s IReF signal a shift toward greater standardization and data granularity, while efforts to simplify regulatory reporting are gaining momentum. Liquidity risk is expected to remain a central theme. In the United States, regulatory focus continues around liquidity and interest rate risk, through frameworks such as LCR, NSFR, and longstanding supervisory guidance like the 2010 Federal Advisory on Interest Rate Risk, reinforcing the need for effective, data-driven balance sheet management.
In parallel, international expansion remains a core component of Mirai RiskTech’s strategy. Alongside a growing presence in the Middle East—with a particular focus on Qatar, the UAE, and Saudi Arabia—the company continues to strengthen its footprint in the UK and the United States. Across these regions, we are currently in conversations with hundreds of banks worldwide, with very positive momentum.
Mirai’s modern architecture and superior performance position it as a strong alternative to established legacy systems, delivering efficiency and innovation at scale, all capabilities institutions worldwide are actively seeking.
This openness to the future has not gone unnoticed. Mirai RiskTech was recognized by Chartis Research, the leading provider of research and analysis on the global risk technology market, as a Category Leader across seven quadrants in 2025: all six ALM Solutions quadrants and the quadrant for Regulatory Reporting, a milestone that marks a defining moment in our company’s trajectory. It validates the strength of our vision, technology, and commitment to transforming balance sheet management and regulatory reporting for financial institutions worldwide.
As a result of this recognition, Mirai has also advanced 11 places from last year’s position in the Chartis RiskTech100® 2026, entering the global Top 50 out of more than a thousand RiskTech vendors evaluated worldwide. This achievement is a powerful acknowledgment of the company’s sustained growth and a clear indication of its expanding influence in the global risk technology landscape.
Being recognized by an authority such as Chartis reinforces the trust that clients place in Mirai’s products and strategy. This external validation underscores the strength of the company’s technology and its alignment with market and client needs worldwide, demonstrating that Mirai is not only executing on its vision but also leading the evolution of how financial institutions manage and understand their balance sheets.
As we move into 2026, we reflect on a year that further confirmed Mirai as a solid and established presence in the market. Throughout 2025, we welcomed new clients across New York, Argentina, Chile, Germany, Spain, Portugal and London, contributing to a client base that now spans more than 10 countries worldwide, while continuing to serve institutions across other regions. These new clients, together with our existing customer base, represent a wide range of financial institutions of all sizes across universal banking, retail banking, consumer finance, and corporate and investment banking (CIB). All of them leveraged Mirai’s integrated Balance Sheet Management platform, benefiting from a comprehensive and unified solution to manage liquidity, interest rate risk, and funds transfer pricing with consistency, robustness, and agility.
Looking ahead, our goal for next year is to consolidate Mirai’s position as the most complete and technologically advanced platform for Balance Sheet Management, with artificial intelligence defining the next chapter of the company’s leadership.
At the core of our approach is the integration of RegTech and RiskTech in a single environment, and this continues to prove its value. This integrated foundation, combined with our cloud-native architecture, our ability to process large volumes of data efficiently, and strong historical data libraries, puts Mirai in a unique position to lead the real adoption of AI. We build on what has already been achieved—systems and approaches that were once innovative themselves—and evolve them to meet new challenges.
As financial institutions continue to change, our mission remains the same: to empower them with the tools, technology, and intelligence needed to manage their balance sheets with greater precision, transparency, and confidence. And for that, we have the right team: one that understands, as Heraclitus put it, that “there is nothing permanent except change,” and sees that change as the way forward.
In 2026, this will be an all-in year for artificial intelligence. This foundation and our mindset will allow us to bring AI into our day-to-day work in a very real and practical way, embedding it through tangible applications that simplify processes, accelerate analysis, and help teams make better decisions, every day, stay tuned!
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