Recordkeeping-grade authorization for plans, IRAs, and custody at scale.
Recordkeepers and IRA custodians administer millions of participant accounts under ERISA, DOL, and SOC 1 scrutiny, where a single mis-scoped distribution is a fiduciary event. B5 Secure enforces per-action authority at the methods that process contributions, distributions, and rollovers — the same Never Trust pipeline proven behind $15B+ in assets protected and secure.
Millions of accounts, irreversible money movement, and automation.
Retirement platforms combine enormous account volume with high-consequence, often irreversible transactions — distributions, rollovers, and beneficiary changes — increasingly processed by automation and AI agents. Coarse, perimeter authorization cannot constrain which participant account a given action touches. B5 binds authority to the method and the record, so a distribution agent cannot act outside the participant and amount it was scoped to.
Plan-administration oversight, mapped to enforcement.
SOC 1 control objectives become demonstrable when enforcement and audit live at the execution point.
| Framework | What it requires | How B5 enforces it |
|---|---|---|
| ERISA / DOL Cybersecurity Guidance | Access controls, strong authentication, and audit over plan data | Per-action [Permission] and in-process audit with full attribution |
| SOC 1 (SSAE 18) | Controls over participant transaction processing | Deny-by-default enforcement and execution-point logging for control testing |
| IRS Qualified-Plan Rules | Accurate, controlled processing of distributions and contributions | Amount- and account-scoped authorization at each transaction method |
| SEC / Custody Rule (IRA custodians) | Safeguarding of participant assets | Read-only-by-default scopes; movement requires explicit, ceilinged grant |
| GLBA Safeguards | Protect participant financial information | Least-privilege credentials and data-element-level data minimization |
Proven at custody scale, enforced per account.
Built by operators who scaled a custody platform to millions of accounts — the enforcement model is battle-tested, not theoretical.
Per-account authority
Authorize the action against the specific participant account and amount, not a broad role.
Irreversible-action guardrails
Distributions, rollovers, and beneficiary changes require step-up and stay within a scoped ceiling.
Batch-job least privilege
Recordkeeping and reconciliation jobs run with single-use, narrowly scoped credentials that expire with the task.
SOC 1-grade audit
Every transaction logs the principal and originating human at the execution point — ready for control testing.
Suspension on signal
Suspend a participant operation on fraud or KYC signals, with revocation at the next call.
Inside your boundary
No participant data leaves your cloud; B5 inherits your existing SOC 1 / compliance perimeter.
Agentic processing across the plan lifecycle.
Scoped distribution agents
An agent processes a distribution only within the participant and amount it was delegated; anything beyond fails closed.
Custody reconciliation
Read-only agents reconcile positions across millions of accounts without movement rights.
Participant copilots
Assistants draft changes for a representative to confirm; beneficiary changes require step-up.
B5 enforces; your recordkeeping system remains the system of record.
The in-app PEP for the recordkeeping stack.
B5 does not replace your recordkeeping or custody platform. It is the in-process enforcement point that makes plan-administration controls binding at the transaction method, producing SOC 1-grade evidence at the execution point — inside the boundary your auditors already test.
Custody-proven enforcement, per participant account.
Bring your recordkeeping architecture to a B5 architect — the same Never Trust pipeline behind $15B+ in assets protected and secure.
Regulated-grade enforcement, at the record.
Thirty minutes with a B5 engineer: your industry’s obligations, the B1–B5 pipeline, and a data-element authorization decision you can watch happen — with the evidence trail your examiners ask for.