Regulatory updates are written for lawyers, not engineers. Mereth reads the circular, maps it to your stack, and hands your team something they can actually act on.
Nobody at your company actually knows what a new RBI circular means for the codebase. Legal sends a summary. Engineering reads it, shrugs, and either builds something unnecessary or files it away. RBI, SEBI, CERT-In — each regulator has its own format, its own cadence, its own version of RBI/2025-26/51 drops, please comply.
So you pay for legal memos. They arrive six weeks later, use words like "data fiduciary obligations," and end with "consult your technical team." Your technical team is waiting on you.
What you get is technical debt disguised as compliance work — months spent over-engineering a clause that doesn't apply to you, or quietly missing CERT-In's 6-hour incident clock because ownership sat between security, legal, and engineering.
Mereth is the translator. We read the primary source, map it to your stack, and give your engineers something concrete to work from.
Design-partner coverage starts with primary sources from RBI, SEBI, NPCI, CERT-In, and MeitY. When a relevant source changes, it enters review with the original citation attached.
We check the change against what you actually run — your services, what customer data you hold, and where you operate.
The output is shaped for the queue your team already uses. Affected service, deadline, exact clause — all there.
RBI/2025-26/51 amends the KYC Directions, 2016. For low-risk individual customers whose periodic KYC is due, transactions must remain allowed while KYC is updated within one year of falling due or up to June 30, 2026, whichever is later.
Vanta and Drata help you collect evidence once you know what compliance looks like. Mereth is for figuring that out in the first place. Different problem, different tool.
source/rbi-kyc-amendment-2025
Impact Analysis:
Match found in kyc-review-queue. Preserve transaction access for low-risk customers while the applicable update window remains open.
Regulatory Citations
No. We read the primary source and tell you what it means for your code. The question "does this actually create liability?" still needs a lawyer. We just give you something concrete to bring to that conversation.
Vanta and Drata help you prove you're compliant. Mereth helps you figure out what you need to be compliant with. The handoff we are building happens before evidence collection: what changed, which system is touched, and who owns it.
First scope is Indian fintech: RBI, SEBI, and NPCI-facing workflows, plus DPDP and CERT-In obligations. GDPR and CCPA are outside the first design-partner scope.
Know what a circular means for your codebase before the sprint starts, not after the audit does.