SecurePlay: a new approach to player fund safeguarding

SecurePlay provides licensed gaming operators with an independently governed infrastructure for safeguarding player funds and meeting regulatory financial security requirements.

The platform brings legal segregation, financial protection, continuous monitoring and independent governance together within one framework. This gives operators a clear and efficient way to manage safeguarding obligations while providing regulators and players with greater transparency and protection.

SecurePlay operates as an independent business and works with specialist banking, insurance, technology and audit partners where required.

Protecting player funds through independent governance

Player funds should remain protected irrespective of the financial position of the gaming operator.

SecurePlay creates an independent layer between the operator and safeguarded player funds. Depending on the jurisdiction, this can be structured through a safeguarding foundation or segregated account, with dedicated governance, monitoring and reporting.

Player balances are reconciled against safeguarded funds, with controls designed to identify discrepancies and support timely intervention.

This creates a structure in which safeguarding is continuously managed rather than simply documented at the point of licensing.

Four layers of protection

SecurePlay combines four complementary protection mechanisms within one governance framework

Legal segregation

Player funds are held separately from the operator's operational assets through an appropriate safeguarding structure. This is designed to protect player funds from the financial risks of the operator, subject to the applicable legal framework..

Financial protection

Where required by the regulator, SecurePlay can arrange an appropriate financial guarantee. This can include insurance-backed guarantees where permitted, providing an alternative to committing substantial banking facilities or cash collateral.

Continuous monitoring

Player liabilities and safeguarded balances can be reconciled on a daily or more frequent basis. Automated controls, integrations and reporting reduce manual intervention and provide an auditable record of compliance.

Independent governance

The safeguarding structure operates independently from the gaming operator, with defined responsibilities, oversight and external verification.

Together, these layers create a robust framework designed to protect player funds and provide regulators with clear oversight.

One safeguarding infrastructure

A key part of the SecurePlay model is the ability to create professionally managed safeguarding infrastructure that can support multiple operators.

Rather than every operator having to establish and maintain its own complete governance structure, SecurePlay can centralise governance, compliance, monitoring and reporting where the relevant regulatory framework permits.

Individual operators remain separately administered, with dedicated accounts, reconciliation and reporting.

This creates the benefits of professional, centralised governance while maintaining the required separation of operator and player funds.

For operators, this can significantly reduce the complexity and cost of maintaining safeguarding arrangements individually.

Designed for operators

SecurePlay takes responsibility for coordinating the safeguarding infrastructure, allowing operators to focus on their core business.

The model is designed to provide:

• Independent protection of player funds

• Clear governance and accountability

• Efficient regulatory onboarding

• Continuous reconciliation and monitoring

• Standardised reporting and audit trails

• Reduced operational complexity

• More efficient use of capital where alternative guarantees are permitted

Designed for regulators

The objective is equally straightforward from the regulator's perspective: make safeguarding easier to understand, supervise and verify.

SecurePlay provides a clear governance structure showing where funds are held, who controls them, how balances are reconciled and what happens when an irregularity is identified.

Independent governance, external verification and standardised reporting provide additional oversight and create an auditable safeguarding framework.

Built for different regulatory requirements

Safeguarding requirements differ between jurisdictions, which is why SecurePlay is modular by design.

The infrastructure can combine three principal solutions:

• Foundation

  An independently governed safeguarding foundation holds player funds separately from the operator's operational assets.

• Escrow

  Segregated third-party accounts provide separation of funds, supported by reconciliation, monitoring and governance.

• Insurance bonds

  Where permitted, insurance-backed guarantees can satisfy or complement regulatory guarantee requirements and reduce dependence on traditional bank guarantees.

The appropriate configuration is determined by the regulatory requirements of each jurisdiction.

From the Netherlands to international markets

SecurePlay is initially focused on the Netherlands and Germany, with further European jurisdictions under development.

In the Netherlands, the focus is on creating a professionally governed safeguarding infrastructure through which participating operators can protect player funds efficiently and transparently.

In Germany, SecurePlay has developed a combined safeguarding and insurance-backed guarantee structure designed around the financial security requirements applicable to licensed gaming operators. The acceptance of alternative guarantee structures remains subject to the GGL's regulatory determination.

SecurePlay is also exploring applications in other European gaming markets and, longer term, regulated sectors where businesses are required to safeguard customer assets.

SecurePlay and Qrumble

SecurePlay is an independent company.

Qrumble Insurance supports SecurePlay as its specialist insurance partner where insurance or surety solutions form part of the required structure.

This allows SecurePlay to own and manage the overall safeguarding framework while using regulated specialist partners for those components that require specific expertise or authorisation.

Building better safeguarding infrastructure

Our ambition is straightforward: to make player fund safeguarding more robust, transparent and efficient.

For players, that means stronger protection of their funds.

For regulators, it means clearer governance, oversight and reporting.

For operators, it means a professional safeguarding infrastructure that is easier to implement, operate and scale.

If you are applying for a licence, reviewing your current player fund structure or entering a new regulated market, we would be happy to discuss how SecurePlay could support your requirements.

Discuss your requirements with SecurePlay