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Choices around VB-PUO: comparisons and decision aids
Build or buy, manual or automated, validator or monitoring, SPR or FPR, Release 2026 or 2027, and how VB-PUO relates to UPA, LPG and AFD 2.0.
Building or buying VB-PUO validation
Every PUO, fiduciary and custodian has to validate SIVI messages before they touch the administration.
Manual (Excel) or automated validation
In the chain tests of 2025 and 2026 a lot was checked with Excel: open message, add up columns, compare dates.
Validator or continuous monitoring
A validator answers the question 'is this message correct?'.
VB-PUO versus UPA (Uniform Pension Declaration)
Both are SIVI standards in the pension domain, but they connect different links: UPA runs between employer (payroll) and pension provider; VB-PUO between pension provider and asset-management chain..
VB-PUO versus LPG (Delivery of Premium and Data)
LPG is the SIVI standard for the delivery of premium and participant data between adviser, employer and insurer in the insured market.
AFD 2.0 and VB-PUO: how they relate
VB-PUO is not a stand-alone data model: every entity, attribute and code list is an AFD 2.0 definition from SIVI's All Finance Data catalogue, assembled with the AFD Online Samenstellen (AOS) tool..
SPR versus FPR: which data flows and messages
The choice for a solidarity or flexible premium arrangement determines which messages a fund needs: four in the SPR, six in the FPR (plus the SPR messages for collective flows)..
Release 2026 versus Release 2027: impact per role
Release 2027 (pre-release July 2026, final expected September 2026) is the biggest change since the first publication.