Score: 92/100 (Rank #1) Tagline: "Stripe Atlas for SME Compliance" AU TAM: ~$540M (180,000 regulated SMEs × $149–499/mo)
An end-to-end compliance workflow engine for Australian SMEs across real estate, legal, accounting, BNPL lenders, payment facilitators, and insurers. One platform, all regulations, auto-updating.
Multiple regulatory deadlines are converging simultaneously:
| Deadline | Regulation | Impact |
|---|---|---|
| 1 July 2026 | AUSTRAC Tranche 2 | 15,000+ real estate offices need AML compliance |
| 30 June 2026 | ASIC Digital Assets | Crypto/BNPL licensing requirements |
| In-flight | CPS 230 | Operational risk management for APRA-regulated entities |
| In-flight | Screen-scraping sunset | Banking data access changes |
| TBD 2026 | AU AI Mandatory Guardrails | AI governance requirements |
The incumbent is spreadsheets + Word docs + email — 60%+ of the SME market.
- Python 3.11+
git clone https://github.com/haris-admin/ideas-regstack.git
cd ideas-regstack
# Set up local SQLite database (dev)
python db/migrate.py
# Verify schema
python db/migrate.py --verifypython db/migrate.py --to-pg --url "postgresql://user:pass@db.xxx.supabase.co:5432/postgres"| Environment | Engine | How to set up |
|---|---|---|
| Dev (local) | SQLite | python db/migrate.py |
| Staging/Prod | Supabase (PostgreSQL) | python db/migrate.py --to-pg --url <supabase-url> |
regulations— Regulatory obligations (jurisdiction, category, effective date)entities— Regulated entities being trackedassessments— Compliance assessments (entity × regulation × status)submissions— Regulatory submissions and filingsaudit_trail— Compliance audit logdeadlines— Upcoming compliance deadlines and reminders
ideas-regstack/
├── README.md # This file
├── db/
│ ├── migrate.py # Standalone DB migration
│ ├── schema.sql # Full DDL
│ └── README.md # DB setup instructions
├── STACK.md # ✅ Confirmed tech stack (Python/Next.js/Supabase/R2/Vercel)
├── docs/ # Coming soon
└── requirements.txt # Python dependencies