Context: Financial Technology (FinTech) systems, especially those involving custody of digital assets such as cryptocurrencies, are quickly emerging as a new class of software systems with associated high risks. So far, incidents involving such systems have costed billions of dollars. Problem: Providing regulators and insurers with certification cannot simply rely on simple reports generated by auditors. Current practices require a more rigorous and systematic approach for capturing and communicating the design rationale in order to certify such systems. Method: The User Requirements Notation (URN) is used to model and analyze the requirements of a FinTech system and capture its design rationale. Then, the Systems Theoretic Process Analysis (STPA) method is applied to the URN model to evaluate system hazards and introduce safety constraints/requirements that aim to avoid bad situations from happening (e.g., loss of assets, private data, or reputation). The results augment the URN model
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