Canadian-built. Founder-led. Currently in private pilot with insolvency firms.·Built with trustees, for trustees
For Licensed Insolvency TrusteesNow accepting pilot firms

Estate Intelligence for Licensed Insolvency Trustees.

Built for LITs. Validate claims against the BIA, simulate distributions before issuing, and cite every decision on the file

Book a live walkthrough →
Four specialized AI agentsBIA-grounded responsesCanadian data residencyAudit-ready citations
PROOF OF CLAIM · FORM 31
Hydro One Ltd.
Trade payable · $47,832.14
app.securefiles.ai / estate 2026-0142
INGESTING CLAIM · FORM 31
Hydro One — $47,832.14
4 agents active
◆
Document Agent
Extracting claim fields from PDF…
§
Compliance Agent
Checking BIA s.136 priority rules…
queued
⚠
Risk Agent
Scanning for filing deficiencies…
queued
✦
Audit Agent
Recording reasoning chain…
queued
SAFA · CONCLUSION
Classified as unsecured per BIA §136(1)(h). No security registered. Filed within deadline. Safe to include in dividend calculation.
Confidence 98% · See evidence
The problem

Reduce the operational risk on every file.

Every open estate multiplies the risk of an OSB finding you never saw coming.

Live risk monitor
2026-0142 · Lavallée2m
Preferential transfer — $14,200 to related partyBIA §95
1
Defensible decisions
Every answer includes exact document reference, BIA section, OSB Directive citation, and timestamped reasoning. When OSB asks “how did you determine this?”, you show them.
2
Distribution confidence
Creditor priority validated against BIA rules before you write the cheque. No more distributing with crossed fingers.
3
Estates that watch themselves
SAFA monitors open files 24/7. When facts change, it pushes an alert. Problems surface early — not during audit.
4
Exception-driven workflow
Stop reviewing clean claims. The system only surfaces what needs a human judgment call.
Document Management

A Complete Record Of Every Document On The File.

Not a file cabinet. Every document is classified, extracted, validated against the BIA, checked for contradictions across the estate, and linked to the tasks and forms it affects. Click any file to see what the system found.

Estate 2026-0142 · Lavallée Inc.
▸Lavallée Inc.
▸Legal Forms3
Form 31 — Hydro One.pdf
Form 31 — Scotia Business.pdf
Statement of Affairs.pdf
▸Financial Records1
Bank statements Nov–Jan.pdf
▸Creditor Documents1
CRA — GST arrears notice.pdf
▸Correspondence1
Form 31 · 608 KB · 4h ago
Form 31 — Scotia Business.pdf
Security conflict
EXTRACTED FIELDS
Creditor
Scotia Business Credit
Amount
$74,120.88
Claimed class
Secured — position 1
PPSA reg
Not found
VALIDATION · CONTRADICTIONS
  • PPSA search returned no registered interest
  • Conflicts with RBC registration #8422-991 at position 1
Linked to
Creditor · Scotia Business CreditDistribution calcEstate 2026-0142BIA §136Task · Request PPSA proof
RECOMMENDED ACTION
Request PPSA proof before admission
AI Review
Confidence72%
Reasoning chain
→ Extracted security claim from Form 31
→ Ran PPSA registry lookup
→ No registration matching debtor
→ Checked against RBC reg #8422-991
→ Position 1 already occupied
Citations
BIA §136BIA §95Dir 22R4Dir 32RPPSA
Version history
v2 — 4h ago · auto-extracted
v1 — original upload
Creditor Manager

Claim administration, with an audit trail.

Upload a messy proof of claim. In seconds the system extracts the amount, classifies priority against BIA rules, flags deficient filings and preference-window transfers, and simulates the dividend before you touch a cheque.

Estate 2026-0142 · Lavallée Inc.8 creditors · 3 exceptions
CreditorAmountPriority
Royal Bank of Canada
PPSA reg #8422-991 · HELOC
$184,200.00
Secured
›
CRA — GST/HST
Deemed trust · source deducts
$28,440.60
Preferred (s.136)
›
Scotia Business Credit
Claimed position 1 — conflicts with RBC registration
$74,120.88
Secured?
›
Hydro One Ltd.
Trade payable · filed 2 days before deadline
$47,832.14
Unsecured
›
Kildare Logistics
Proof of claim missing invoice schedule
$12,840.00
Unsecured
›
D. Morneau (related party)
Transfer within preference window (BIA §95)
$14,200.00
Unsecured
›
Sunlife Financial
Policy assignment on file
$9,620.00
Secured
›
Bell Canada
Trade payable
$2,184.50
Unsecured
›
Claim 3 of 8
Scotia Business Credit
Form 31 · submitted Feb 18, 2026
Amount
$74,120.88
Class
Secured?
Priority
?
Status
Exception
SAFA FLAG
Priority conflict — SAFA recommends re-ranking
Distribution simulation
Unsecured dividend pool$62,400.00
Total unsecured claims$77,056.64
Scotia Business Credit would receive80.98¢/$$60022.64
Creditor lifecycle

A consistent process for every creditor claim.

Identified → proof received → validated → admitted → distributed. Each stage produces an audit entry. Click a stage to see what the system does at that step.

Proof received
Form 31 filed. Awaiting validation.
What runs at this stage
  • OCR + field extraction
  • Cross-ref Schedule A
  • Duplicate detection
Typical creditor at this stage
Sunlife Financial (Form 31 received Feb 22)
FormForm 31
ReceivedFeb 22, 2026
Queue position3 of 8
Platform

One Platform. Every Stage Of The File.

○Bankruptcy11 dir
●Consumer Proposal14 dir
○Division I12 dir
↳ Dir 11R2-2025 · surplus income calc applies
Estate-aware intelligence
SAFA knows whether you are on a Bankruptcy, Consumer Proposal, or Division I and which directives apply before answering.
<osb:EstateFile schema="2026.1">
<Estate ref="2026-0142">
<Form no="31" status="valid"/>
<Form no="79" status="valid"/>
</Estate>
</osb:EstateFile>
✓ ready for e-file
PDF → OSB XML conversion
Drop a signed PDF. Get an OSB conformant XML ready for e-file, schema validated. No retyping.
New doc uploaded → reclassified2h
Priority shifted after PPSA search5h
Deadline in 48h · Form 7948h
Continuous estate monitoring
Facts on an open estate change. SAFA re-runs its checks, re-flags risk, and pushes an alert 24/7.
›10:42:01 · LIT accepted suggestion
›10:41:58 · SAFA drafted §170 para
›10:40:12 · client uploaded Scotia HELOC
sha256 · 4a9f12…e2
Immutable audit trail
Every action chained with a cryptographic hash. Export for OSB review in one click. Directive 32R compliant.
✓Form 31 · Proof of Claim
✓Form 33 · Trustee Notice
!Form 48 · Report on Trustee
✓Form 79 · Income/Expense
Form 31/33/48/79 validation
Cross-checks against BIA rules and current OSB directives (5R8, 6R7, 11R2-2025, 22R4, 8R22) before you submit.
⌕ "payments to family members"
↳ bank_stmt_mar.pdf · p.3
↳ soa.pdf · line 22
↳ email_2026-03-14.eml
Universal file search
"Show every document where the debtor mentions a cottage." Natural language across every PDF, email, statement in the estate.
Compliance

Built To Be Audited.

Every LIT knows the feeling of an OSB inquiry letter. SecureFiles is built for the reply with every decision on the file, cited to the document, the section, the directive, and the reasoning.

PIPEDA🍁 Canadian residencyAES-256TLS 1.3Directive 32R+
DIR 5R8
Estate funds & banking — flags trust account discrepancies, missing SDRs, non-zero closed balances
DIR 6R7
Assessment of individual debtor — validates SOA completeness, income/expense accuracy
DIR 11R2-2025
Surplus income — cross-checks, flags >15% variance, suggests amendment timing
DIR 22R4
Proofs of claim & voting — validates Form 31, checks quorum, flags deficient claims
DIR 32R
Electronic recordkeeping — full audit trail, backups, user authentication, AES-256
DIR 8R22
BIA Forms — validates prescribed forms (31, 33, 48, 65, 79) before submission
Roadmap

Available Today, And What We Are Building Next.

Pilot trustees help us prioritise what ships next, and lock founder pricing for two years in exchange.

Available01
SAFA + Creditor Manager
Agentic Q&A, claim validation, distribution simulation, audit trail.
In development02
Automated creditor correspondence
SAFA identifies missing docs → drafts request letters → tracks responses.
In development03
Predictive surplus income
Tracks monthly I&E, flags 15%+ variance, suggests amendment timing.
Planned04
Cross-estate pattern detection
Same creditor across files → connect the dots, surface anomalies.
Planned05
Court document generation
First draft of court filings with full citation chain.
Planned06
OSB pre-submission validation
Complete directive check before anything leaves your office.
Pilot programme

Request A Confidential Workflow Assessment.

We don't do slide decks. Book 30 minutes with the founders, and we'll run SAFA against one of your actual estates. Show you exactly what it catches, and you walk away with a plain-English report of your own process. Keep it either way.

★
60-day results guarantee
If we don't reduce your admin time by 20% in 60 days, you pay nothing.
Book a live walkthrough →Email the founders
✓ 30 minutes, founder-led✓ Run against your actual estate✓ No slides, no sales deck✓ Walk away with a written audit
30-second sample scan
Pick an estate type to run a demo scan:
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