Why Quoinmark
Ship the policy.
Skip the reading.
Quoinmark is the weekly regulatory brief fintech and payments teams ship from. Each Friday at 7 AM, AI agents score the week’s published rules against the surface you declared and email a brief with the citing provisions — plus a synthesized draft revision ready to publish across terms, disclosures, or your internal control library. This page is the why-us for cold-outreach readers: what the brief is, what it isn’t, and how it differs from generic regulatory monitoring.
- Delivery
- Friday 7 AM
- Sources
- 78 feeds
- Surfaces
- 3 lanes
Positioning
Five claims the brief actually backs up.
Each one is what the Friday brief does on a Tuesday or Wednesday before the team opens it. Read together, they describe the product and the purchase decision in a single page.
- 01 / Scored, not exhaustive
Friday brief, scored — not exhaustive.
The weekly Quoinmark Friday brief scores the week’s published rules against the surface you declared. Only the items that touch what you ship are delivered. Everything else is excluded by design.
- 02 / Draft policy attached
Draft-policy attached to the items that matter.
Every severity-4+ item ships with a synthesized draft clause ready to publish into your terms, disclosures, or internal control library. Your legal team reads reviews, not drafts from scratch.
- 03 / Distributed-rulemaking ready
Distributed-rulemaking synthesized against one control library.
Quoinmark aggregates CFPB, FRB, FinCEN, OCC, NY DFS, CA DFPI, MA, plus the EU + UK counterparts — and synthesizes them against a single control library, instead of making your team merge three agency notices by hand on Monday.
- 04 / Surface-scoped
Surface-scored, not enumerated.
The brief filters the universe down to the surface you declared — cards, BNPL, or crypto / embedded credit. Every other rule is excluded by design, so your team is not paying for a digest of someone else’s surface.
- 05 / Per-seat, transparent tiers
Per-reader seat, with intra-week alerts at the urgent threshold.
Tier into Standard, Growth, and Scale by the surface you ship and the chase signal that actually moves billing — not by usage. Standard fires on Fridays; Growth and Scale add intra-week alerts above your declared urgent threshold.
Quoinmark vs. incumbents
How the brief differs from generic regulatory monitoring.
Six axes the category actually competes on. The right column describes what comprehensive-monitoring incumbents sell today; the middle column describes what Quoinmark delivers.
01
Output to read
Scored Friday brief plus a draft-policy block, against the surface you declared.
Long PDF digests, every rule, every week — regardless of what your team actually ships.
02
Drafting
Synthesized draft clause ready to publish this week — small revision, not a Monday merge.
Two-hour Monday merges across three agency notices written by three different desks.
03
Coverage
78 sources: CFPB, FRB, FinCEN, OCC, NY DFS, CA DFPI, MA, EU + UK — synthesized against one control library.
Variable coverage; usually one regulator’s view — not a synthesized read across multiple bodies.
04
Cadence
Friday 7 AM delivery. Intra-week alerts on Scale, only above your declared urgent threshold.
Volume only — no threshold-tied urgency band and no scoring against your declared surface.
05
Pricing
Per-reader seat. Transparent tiers. Cancel quarterly — not a five-figure minimum.
Per-usage or per-seat, often with a $5k+ annual floor before the surface even enters the conversation.
06
Triage surface
Three lanes today: cards, BNPL, and crypto / embedded credit. Out-of-scope rules are excluded by design.
Universe enumeration — the brief is everything, so the team has to triage it themselves on Monday.
Where we trail
The honest abouts.
These are the cases where Quoinmark is not the right fit. If any of them describe your team, the brief will not deliver — and we’ll say so from the first call.
Coverage
Three product surfaces today — cards, BNPL, and crypto / embedded credit. Out-of-surface rules are out of scope on purpose.
Cadence
Single Friday cadence on Standard. Intra-week alerts fire only on Growth and Scale, and only above the threshold you set.
Jurisdictions
78 sources — CFPB, FRB, FinCEN, OCC, NY DFS, CA DFPI, MA, EU + UK counterparts. Coverage outside that set is not yet productized.
Custom scope
Founders Cohort ($1,500/mo flat) and a 50% academic and nonprofit program. No enterprise, custom-scope tier yet.
Next Friday
Read the brief once.
Then decide.
One email, one shared document, one draft your legal team can publish against. Cancel anytime after the first quarter if the time saved is not visible.