Last Updated: March 2026
NPLEX is data and compliance infrastructure for the non-performing loan (NPL) secondary market. It is built around the EU regulatory framework for NPL data and validates portfolio data against it — it does not issue, trade or hold financial instruments.
NPLEX validates NPL portfolio data against the EBA data templates set out in Commission Implementing Regulation (EU) 2023/2083, the Implementing Technical Standards adopted under Article 16(1) of Directive (EU) 2021/2167 (credit servicers and credit purchasers). Validation is declarative — an RDF/OWL ontology plus SHACL shapes — so every check is traceable to its EBA field code, template and rule.
Field definitions and constraints are grounded in, and cross-referenced against, the wider EU regulatory corpus: the ECB AnaCredit dataset, the ESMA securitisation disclosure RTS (Reg (EU) 2020/1224), FINREP (Reg (EU) 2021/451), the EU-adopted IAS/IFRS standards (Reg (EU) 2023/1803) and the Capital Requirements Regulation (Reg (EU) 575/2013). Where frameworks diverge, the EBA NPL rule is the one enforced; divergences are documented.
NPLEX runs on-premise: your NPL data stays within your own systems and is never transmitted to or seen by NPLEX — you remain the controller and NPLEX is the software provider. This keeps portfolio and personal data under your control, consistent with the GDPR (Reg (EU) 2016/679) and with bank-secrecy constraints. NPLEX is the validation layer only; it does not provide investment, legal, accounting or tax advice, and does not host or intermediate the transaction.
If you have any questions, please contact us at federico.abrignani@gmail.com.