Engine 01 · Deterministic parser
LiveRules you can audit.
- Input
- Format, completeness and data types
- Rules
- Regulator logic, e.g. balance > $50,000 ⇒ TIN required
- Schema
- FATCA XML v2.0.1 · CRS XML v3.0
- Output
- Deterministic: same data, same XML
FATCA · CRS · IRS 1099 reporting
File with every regulator. Expose your data to none.
Novus turns raw account data into validated, regulator-ready FATCA and CRS filings in our encrypted cloud today, with IRS 1099 prepared by our team. In 2027, an on-device edition brings AI validation that never leaves your machine.
Files with
- IRS IDES
- HMRC
- CRA
- BZSt
- OECD CRS
Where your data lives
You choose
Novus Cloud
Available nowManaged, encrypted, ready for teams.
- Data resides
- Novus cloud, in your EU, US or APAC region
- Protection
- Per-customer 256-bit field encryption, TLS 1.3 in transit
- Validation
- Input, business-rule and XSD checks before export
- Leaves your network
- Source data, encrypted end to end
External exposure
Encrypted in transit
Novus Desktop
Early access 2027Your workstation. Your keys. Your data.
- Data resides
- Your machine: Windows, macOS or Linux
- AI validation
- Embedded model that runs on-device
- Validation
- Schema and business rules, checked locally
- Leaves your machine
- Only the signed, encrypted filing package
External exposure
Final package only
Air-gapped
EnterpriseNo network. No exceptions.
- Data resides
- An isolated machine with no network connection
- AI validation
- Local model, zero external calls
- Transfer
- You move the sealed package out, on your terms
- Leaves automatically
- Nothing
External exposure
None
Example run · FATCA Model 2
Ready to file
- Input checks
- Business rules
- XSD v2.0.1
01Architecture
Two engines. One sealed pipeline.
Every record passes a deterministic parser you can audit line by line, then is sealed so that only one party can ever open it: the regulator. From 2027, a second engine reviews what rules can’t, without your data leaving the machine.
-
01 / Ingest
Your data
Excel or CSV from your systems, uploaded over TLS 1.3. Sensitive fields are encrypted the moment they are stored.
-
02 / Parse
Deterministic parser
Input, business-rule and XSD checks. The same input produces the same result, every time.
-
03 / Review Early access 2027
Local AI
An on-device model reviews every record for anomalies the rules can’t express.
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04 / Seal
Cryptographic seal
AES-256-CBC payload, RSA-wrapped key, RSA-SHA256 signature. Readable by one party only: the regulator.
Sealing log · specimen record
FATCA Model 2 → IRS IDES
- 01 Ingest TIN 123-45-6789 · MÜLLER, JANA · DE · USD 2,450,000.00
- 02 Parse ✓ format ✓ business rules ✓ XSD FATCA v2.0.1
- 03 Review on-device model · 1 record · 0 anomalies · 0 bytes sent
- 04 Seal AES-256-CBC ▸ 7f3a9c0be14d58a2c96e0f1b key ▸ RSA-wrapped sig ▸ RSA-SHA256
Package sealed · readable only by the regulator
Engine 02 · Local AI
Early access 2027Judgement that stays local.
- Runs on
- Your machine, with no external calls
- Reviews
- Every record, before submission
- Flags
- Inconsistencies and likely data errors
- Data sent
- 0 bytes
-
Cipher
AES-256-CBC
Every filing package is encrypted in CBC mode with a fresh 256-bit key and a random IV. No key is ever used twice.
-
Key wrap
RSA
The key and IV are wrapped with the regulator’s RSA public key. Only the regulator can unwrap them.
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Signature
RSA-SHA256
Signed with your sender certificate, so the regulator can verify it came from you, unaltered.
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At rest
0 plaintext
TINs, names, addresses, account numbers and balances are encrypted with per-customer 256-bit keys before they’re written.
02Frameworks
Three regimes. One workflow.
FATCA, CRS and IRS 1099 each bring their own schemas, portals and failure modes. Novus runs them through the same workflow: load your data, validate it, seal it, ready to file.
01 / Model 1 · Model 2 · IRS IDES
FATCA
Navigate Model 1 and Model 2 without the IDES rejections.
Model 1 filings go to your local authority; Model 2 goes straight to the IRS through IDES. Novus validates against the right XSD and business rules first, catching the errors behind IDES alert codes before the IRS sees them.
- FATCA XML v2.0.1
- IDES packaging
- 60+ authorities
02 / OECD schema v3.0 · CRS 2.0 amendments
CRS v3.0
One dataset. Every partner jurisdiction. No re-keying.
Upload one file with accounts for every jurisdiction. Novus sorts it and generates a correctly formatted XML for each tax authority.
- CRS XML v3.0
- Per-jurisdiction XML
- CRS 2.0 ready
03 / IRIS · FIRE transition
IRS 1099
FIRE is retiring. Move to IRIS without the rebuild.
From 1 January 2027, Forms 1099 go through IRIS. Our team prepares IRIS-ready files with you today; self-serve generation arrives with Novus Desktop in 2027.
- NEC · MISC
- IRIS · A2A · IDES
- Desktop 2027
Also supported / Economic Substance (ESR) · CRA Part XVIII & T619
03Workflow
From Excel to IDES.
Four steps, one screen. No XML programming, no manual encryption, no guessing at IDES file names.
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01 .xlsx
Upload Excel
Fill in the Novus Excel template and drop it in. It’s read in your browser and uploaded over TLS 1.3. No XML skills required.
- FATCA · CRS · 1099 templates
- No XML skills
-
02 .xlsx
AI & Schema Validation
Every record is checked against input rules, regulator business rules and the official XSD. Each issue is flagged with a plain-language reason, so you fix it before anything is generated.
On Desktop, an on-device model adds a second review. Local AI · early access 2027
- Input · rules · XSD
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03 .xml
Generate XML
Novus writes the regulator’s XML for you: FATCA XML v2.0.1 for IDES, CRS XML v3.0, or the local variant your tax authority expects.
- FATCA v2.0.1
- CRS v3.0
- Local variants
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04 .zip
Seal & Transmit (IDES)
The XML is signed with your certificate and encrypted with AES-256-CBC; the key and IV are RSA-wrapped for the IRS. You get one IDES-ready .zip, named and structured to spec, to upload to the IDES gateway.
- AES-256-CBC
- RSA key wrap
- IDES naming
The Novus Standard
Stop wrestling with XSD schemas. Start filing with confidence.
File FATCA and CRS from Novus Cloud today, validated before export and sealed for the regulator, with IRS 1099 files prepared by our team. Novus Desktop, with AI validation that never leaves your machine, opens for early access in 2027.
Waiting for Desktop? Join the waitlist
- AES-256-CBC
- RSA key wrap
- TLS 1.3
- XSD-validated