ACTUS Algorithmic Financial Contracts Use Case Competition

Shaping the Future of Finance with Machine-executable, Single-source-of-truth Algorithmic Financial Contracts.

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#actus #cashflows #financialcontracts #financialanalysis #enterpriseriskmanagement #digitalassets #algorithms

Your Path to Financial Innovation

Register Your Interest

Begin by registering your interest in the ACTUS Competition. This initial step captures basic contact details and indicates your intention to participate. You’ll gain access to competition updates and resources.
Share Your Vision

Complete your registration by providing additional information about your background and initial ideas or areas of interest.
Shortlist Finalists

A panel of experts will review all registered participants and select the most promising teams to advance. These finalists will proceed to the proposal and prototype development stage.
Build and Deliver

Submit your detailed proposal and working prototype or proof-of-concept. Showcase how your solution leverages ACTUS standards to address real-world financial challenges.
Announce Winners

The best solutions will be recognized and awarded. Winners will gain visibility, recognition, and opportunities to collaborate on further development.

Begin by registering your interest in the ACTUS Competition. This initial step captures basic contact details and indicates your intention to participate. You’ll gain access to competition updates and resources.

Share Your Vision

Complete your registration by providing additional information about your background and initial ideas or areas of interest.

Shortlist Finalists

A panel of experts will review all registered participants and select the most promising teams to advance. These finalists will proceed to the proposal and prototype development stage.

Build and Deliver

Submit your detailed proposal and working prototype or proof-of-concept. Showcase how your solution leverages ACTUS standards to address real-world financial challenges.

Announce Winners

The best solutions will be recognized and awarded. Winners will gain visibility, recognition, and opportunities to collaborate on further development.

All timings are as per (GMT -5:00) Eastern Time (US & Canada), Bogota, Lima

Organized By

In Partnership With

About Us

The ACTUS Financial Research Foundation is a nonprofit organization dedicated to advancing financial stability and transparency through the standardization of financial contracts. By defining algorithmic contract types, ACTUS provides a universal language for representing financial instruments, enabling consistency, comparability, and efficiency across the financial system. Its mission is to reduce systemic risk, create network effect efficiencies to the financial industry, support financial literacy and financial analysis educational programs, facilitate public oversight, and stimulate innovation by making financial data more transparent and interoperable.

The ACTUS Algorithmic Financial Contracts Use Case Competition invites developers, researchers, students, higher education and industry professionals to showcase innovative applications of ACTUS standards. Participants will explore real-world use cases spanning risk management, quantitative modeling, digital assets, regulatory oversight, and financial education. The competition aims to highlight how ACTUS can serve as a foundation for next-generation fintech, RegTech, and systemic risk solutions, while fostering creativity, collaboration, and meaningful impact in the financial ecosystem.

Proposal Domains

The overriding objective of the ACTUS Competition is to invite the development of solutions to challenges or opportunities in the financial industry that demonstrate the many benefits, efficiencies and competitive advantages that the ACTUS Algorithmic Financial Contract Standard can enable. The combined ACTUS data and algorithmic standard for financial contracts and their cash flows is foundational across the entire financial industry. Furthermore, the use and adoption of the ACTUS methodology in financial education curricula will provide the financial industry with new generations of financial professionals and consumers alike who are better able to both manage and adapt to the increasingly dynamic nature of the global financial economy. Accordingly, there are many different areas and potential uses of ACTUS that either improve on existing solutions or create new opportunities and capabilities that do not currently exist. A list of possible topics to promote or stimulate your thinking is provided, but this list is simply suggestive, and proposals need not be restricted to the current list of topics.

#1 Risk Management

Risk Management & Financial Stability

Forward-looking portfolio runoff and liquidity risk analysis – Use ACTUS cashflow projections to anticipate liquidity gaps and manage runoff risk of banking or fund portfolios.
Stress testing financial institutions using ACTUS cashflow projections – Apply ACTUS scenarios to evaluate resilience under adverse conditions.
System-wide risk assessment and macroprudential monitoring – Aggregate ACTUS-based data to assess contagion channels and systemic vulnerabilities.
Cash management applications for organizational or departmental structures – Build dashboards that visualize liquidity and risk across entities or departments.
Use of AI/ML on ACTUS-generated cash flow datasets produced using Monte Carlo methods in order to identify correlated risk exposures and anomalies that span a robust set of future stochastic scenarios.

#2 FinTech / Digital Assets

FinTech Innovation and Digital Assets

Utilize the ACTUS Algorithmic Contract Types to create a micro-lending business platform.
Develop a Stablecoin digital asset smart contract using ACTUS.
Financial literacy: demonstrate personal finance, educational or wealth management tools or services powered by ACTUS.
Create, analyze, and transact tokenized financial products using smart financial contracts with ACTUS.

#3 RegTech / SupTech

RegTech, Compliance and Reporting

Demonstrate the efficiencies in the use of ACTUS for "bottom-up" classification, analysis and aggregation of ACTUS-generated financial contract cash flows of a hypothetical financial institution to automate the generation of selected regulatory reporting requirements.
Demonstrate tools and methods to improve institutional and systemic oversight processes by using ACTUS data standards and algorithms to consolidate the financial conditions of monitored institutions while preserving the ability to drill down to individual contracts.
Proof-of-concept applications with regulators (e.g., ECB use cases) – Explore real-world pilots that test ACTUS in regulatory settings, also for systemic risk analytics.
Use the ACTUS standard to demonstrate how to enable regulators to understand the interconnectedness in financial markets and related risks to macroprudential stability.

#4 Standards and Education

ACTUS Enhancements and Education

Develop teaching materials and educational curricula using ACTUS: slides, case studies, and labs that make ACTUS accessible in classrooms and which provide the means to cultivate financial literacy as well as financial analysis competency.
Extend the open source ACTUS Service Community Edition:
- Develop an intuitive, web front-end GUI for creating and managing portfolios of ACTUS contracts, external risk models, and interest rate scenarios,
- Extract and map external financial contract data into the ACTUS standard, and
- Orchestrate the generation, analysis and reporting of portfolio cash flows under a variety of scenarios and risk factor models.
Demonstrate a scalable processing system to generate, store, and analyze forward-looking cash flows for very large numbers of ACTUS financial contracts.
Develop a runtime system capable of processing a portfolio of ACTUS contracts in unison as the time simulation parameter is advanced one month at a time.
Demonstrate the means to integrate and interoperate financial contracts expressed using the ACTUS standard with other complementary standards, models and/or transactional work flows in order to leverage the real-world benefits of the combined standards.

AWARDS

Why Register?

By registering, you gain exclusive access to ACTUS resources, training materials, and mentorship opportunities. You’ll join a global community of innovators working on groundbreaking financial applications and get the chance to showcase your work to leading financial institutions, regulators, and industry experts.

Top Proposal

The top proposal will receive $10,000.
Recognition and publication by the ACTUS Foundation, with showcases at ACTUS events and industry forums.

Second Prize

The second place winner will receive $3,000.
Recognition and publication by the ACTUS Foundation, with showcases at ACTUS events and industry forums.

Qualified Submissions

The qualified submissions will receive $1,000.
Recognition and publication by the ACTUS Foundation, with showcases at ACTUS events and industry forums.

Eligibility

The competition is open to:

Individuals, teams, or organizations worldwide.
Innovators from academia, startups, financial institutions, and regulatory bodies.
Both proprietary and open-source solutions are welcome.

FAQ

Who can apply?

Anyone can apply – individuals (eighteen years and above) and enterprises (including startups) from all geographies are welcome to participate in this global challenge. Both proprietary and open-source solutions are accepted, provided that submissions which do involve proprietary software document the nature and scope of the proprietary components.

Is there a guide for how to register & submit a proposal?

Yes, you can click here to download the guide to Register and Submit your proposal.

Is there a limit on the number of members in a team?

No. There is no such restriction. But all members of a team must be clearly listed and a lead participant nominated to be the point of contact.

Are there any other requirements?

Yes, along with your application, you will need to consent to both the Terms and Conditions of the ACTUS Algorithmic Financial Contracts Use Case Competition and the APIX Terms of Use during the registration process.

Must I be a registered company/firm to participate?

You need not be a registered firm for participation in the hackathon.

How many proposals can I submit?

The ACTUS Competition is designed for participants to propose a single project. The “Proposed Domains” are simply suggestions for your consideration. You need not restrict your proposal to the listed suggestions, however.

Can I submit multiple entries?

No, due to the limitations of both time and intended focus, we require participants to focus on a single proposal.

Is there a cost associated to participate?

The hackathon is free of charge for teams/participants.

Do I need to submit a solution after being shortlisted?

Yes, the shortlisted entities will need to submit and demonstrate a working prototype of their proposed application or solution as part of a presentation that would be evaluated to decide the winners.

How will the winning proposals be selected?

A panel of experts will review all proposals and shortlist the most impactful, feasible, and innovative solutions.

What is the deadline for registrations?

All participants should register their team by November 29, 2025, 11:59 ET.

Will the information shared be kept confidential?

Information provided to us through the online application will be shared only on a need-to-know basis within the relevant event and evaluation teams. The information provided will be retained by us post the program for audit purposes and will not be shared without obtaining explicit permission from the applicant / authorized team member.

Are the participants allowed to leverage their own Integrated Development Environments (IDEs)?

Yes. In fact, participants will need to use their own resources and technical platforms to develop and demonstrate their completed solution or application.

Can I request for re-evaluation in case I am not satisfied with the Judges' decision?

No. Applicants cannot request for re-evaluation. The decision of the judges shall be final and binding. ACTUS reserves all rights with respect to the event.

Who owns the code developed during the hackathon?

Shortlisted entities or teams that choose to submit code as part of their entry in the competition agree to contribute the code to the ACTUS open source community, and will have the option to create a continuing open source project as part of the ACTUS open source community and GitHub. Proprietary applications that are part of an entry in the competition can remain so, but the submitted entry must be able to provide clear evidence and proof of its functionality in a live demonstration in which the solution will be required to respond to interactive requests by judges.

How do I get technical support?

To get technical help, you can write to support@apixplatform.com. Please share the screenshot, URL, and the time when the issue was encountered. ACTUS will provide a separate forum for participants using Discord for public questions and answers for the Competition.