2025
November 19, 2025
The H225 release of Mirai Platform is now live!
Driving progress through technology and expertise, Mirai RiskTech continually delivers improvements that help financial institutions act faster and adapt more effectively in a rapidly evolving environment. Each release brings tangible enhancements to Mirai Platform. The H225 release highlights our dedication to continuous improvement by introducing expanded modeling capabilities, advanced customer behavior options, streamlined scenario analysis, and updates to regulatory reporting, helping users better anticipate risk, optimize decisions, and ensure compliance.
Central to this evolution are our cloud-native, market-leading Balance Sheet Management solutions: ALM & Liquidity, Funds Transfer Pricing (FTP) & Profitability, and Regulatory Reporting, fully integrated and powered by Mirai Platform, our proprietary SaaS.
This release delivers key upgrades designed to enhance modeling flexibility, increase operational efficiency, and reinforce risk management across critical areas of the platform:
New Curve Formula Builder: Expanding Flexibility and Automation in Modeling
Building on our previous enhancements to formula-based modeling, this release takes Mirai’s flexibility one step further with the introduction of the new curve formula builder.
This functionality enables banks to simulate and manage complex interest rate and market scenarios with higher precision and automation, improving both analytical insight and operational efficiency. It broadens the platform’s modeling potential, allowing users to define and automate a wide range of market or test behaviors through custom formulas.
The platform now supports the creation of dynamic curves derived directly from previously loaded curves, eliminating the need to manually generate new templates. This enhancement streamlines model maintenance and significantly increases parameterization flexibility.
By leveraging the formula builder, users can now incorporate time series of financial indicators, macroeconomic variables, or market credit spreads (CSRBB) to model new curves that truly reflect their strategies and assumptions.
This enhanced flexibility makes it possible to:
- Design more precise curves, enabling automatic application of regulatory shocks.
- Configure dynamic floors and caps according to maturity.
- Integrate external variables and EMI tables to automate spreads and complex scenarios, particularly useful for reducing operational workload in applying CSRBB regulations.
This enhancement reduces operational workload and enables teams to model complex market and regulatory dynamics with greater precision. With this evolution, Mirai strengthens its value proposition as a flexible, agile, and user-oriented platform.
New Advanced Formula Modeling Capability: Disbursement
Enhancing a core ALM capability, this feature gives banks greater flexibility to model how and when clients draw on their undisbursed committed funds, including cases where amounts are only partially disbursed and scheduled for future dates. This provides a more accurate and dynamic view of customer behavior and portfolio usage.
Leveraging the formula builder, it is now possible to parameterize disbursement behaviors according to different financial patterns: Bullet, Level, and Straight Line, while integrating seamlessly with existing metrics and functionalities.
This functionality provides the platform with greater realism in contract simulation and management of committed funds.
Versioning: Traceability of Processed Information
The Versioning feature introduces a new interface that allows banks to review all parameters used in previously executed scenarios and compare the assumptions and configuration of two executions or scenarios.
The system visually highlights differences (whether in parameters, added or removed elements, or variations in curves and modeled behaviors) and provides an executive and visual summary for rapid interpretation.
This functionality simplifies scenario analysis by making it easier to detect changes in assumptions or outcomes across different dates or scenario versions. Users can also consult the full history of past executions, ensuring complete traceability for audits, evolutionary analysis, and governance processes.
In addition, the entire parameterization used in any execution can be exported in TXT format for offline review, supporting transparency, traceability, and historization of processed information. This enables an efficient response to regulatory requests, better-informed decision-making, and strengthens support for key audit and governance processes.
Regulatory Updates
At Mirai, we continue working to provide a platform aligned with the most demanding regulatory standards, facilitating compliance and reducing operational complexity.
In the liquidity regulation module, we have strengthened cross-validation between reports (AMM, LCR, and NSFR) with specific enhancements in deposits and liquid assets. Additionally, we have incorporated the automation of complex line items in these reports, highlighting in the NSFR the inclusion of derivative netting logic with recognized clearing agreements, to ensure a more accurate representation of their impact on the ratio.
In the interest rate regulation module, we have introduced, in the ITS and CSRBB reports, advanced calculations for derivative netting and balancers, ensuring a rigorous treatment aligned with the structure of the balance sheet.
These improvements reinforce Mirai’s ability to support our clients in their regulatory challenges, providing greater operational agility, reporting accuracy, and confidence in every process.
Watch the video to explore these new features in action:
