InnoVethicby AIforAll Global
Sovereign AI, built in Europe

Built for the way banks actually work

Source-cited answers from EBA, ECB, DNB, AFM, FATF, BIS, and IFRS, and from your own policies. Multi-step workflows (credit review, audit response, regulatory reporting) that turn those answers into the work you actually ship. Every step, on the audit trail.

Request a pilotSee a sample answer

Question

What own-funds deduction applies to a significant investment in a financial-sector entity?

Answer

Holdings above the 10 percent threshold are deducted from CET1 capital, subject to the threshold exemptions.

CRR Art. 46CRR Art. 48

Source: Regulation (EU) No 575/2013

Grounded in the primary text of

EBAECBDNBAFMDORAEU AI ActFATFBISIFRS
See it in action

Every answer, traced to the paragraph it came from

No generic chatbot output. The assistant retrieves the specific articles that bear on your question and answers with the citation attached, so you can verify the source before you rely on it.

QuestionWhat are the liquidity coverage requirements for high-quality liquid assets held against short-term outflows?
AnswerCredit institutions must hold a liquidity buffer of high-quality liquid assets whose total value covers the net liquidity outflows over a 30 calendar day stress period, so that the Liquidity Coverage Ratio is at least 100 percent. Level 1 assets may make up the entire buffer; Level 2 assets are capped and subject to haircuts.
Confidence: High

Answer drawn from 3 directly-cited passages in the loaded corpus.

  • CRR Art. 412Liquidity coverage requirement
  • Del. Reg. (EU) 2015/61 Art. 4LCR and buffer composition
  • Del. Reg. (EU) 2015/61 Art. 10 to 13Level 1 and Level 2 assets, haircuts

Source: Regulation (EU) No 575/2013 and Commission Delegated Regulation (EU) 2015/61

Why now

The work is piling up faster than teams can do it

Rising
Regulatory volume

DORA, the EU AI Act, and revised EBA technical standards arrive faster than teams can read them, let alone operationalize them into the day-to-day work.

Stretched
Compliance capacity

Risk and compliance teams are under pressure to answer more questions, draft more memos, and respond to more audits, with the same headcount.

Ungoverned
Generic AI

General chatbots produce fluent but unsourced answers. And even when they work, they stop at the answer. Credit reviews, audit responses, reg reports: still assembled by hand.

Banks do not need more ask-a-question chatbots, one per team. They need one governed platform that executes regulated work, with every step on the audit trail.

Available now

Answers and workflows, live in production

Built around what European supervisors actually check. Every answer pinned to a paragraph in the regulator’s own publication. Every workflow step logged with the same provenance. Extending to Indian banking regulation (RBI, DPDP) on the same platform.

Capital and liquidityOwn funds, risk weights, the leverage ratio, the LCR and NSFR, market and counterparty risk. The same EU rulebook your supervisors work from, every answer pinned to the source article.
AML, KYC, sanctions, financial crimeCustomer due diligence, beneficial-owner unwind, sanctions screening, high-risk jurisdictions. The EU AML framework and FATF recommendations as the operating manual, every claim cited back to the source.
Multi-step workflowsCredit review, audit response, regulatory reporting: run as governed, multi-step processes. Same scope walls, same persona calibration, same provenance on every step. The engine drafts. Your expert reviews.
Pilot extensions

Your data, your workflows

External regulation is the entry point. Connect your firm’s own corpus during a pilot and the same retrieval, citation, and workflow model extends to your internal world.

Internal policiesConnect your policy library. External regulation maps onto your firm’s interpretation, both texts side by side, both cited on every answer.
Portfolio checks + credit reviewYour exposure data plus the same grounding model. Where do my risk weights deviate from the standard treatment, answered with the rule and the portfolio rows that triggered it. Multi-step credit review workflows run on the same substrate.
AML + audit-response workflowsBeneficial-owner unwind on a specific client. Sanctions cross-checks with regulator-sourced reasoning. Audit-response drafts assembled from your corpus, with every step traceable back to source.
Who it is for

One platform, work shaped to each team

Credit officers
ProblemGetting through credit reviews without cutting corners on scope or trace.
HelpsCredit review as a governed workflow: pull application, KYC context, scoring inputs, memo draft. Every step scoped to the credit-risk domain.
EvidenceEvery step logged with the corpus chunks, persona, and refusal reasons it used.
Compliance officers
ProblemAnswering rule questions precisely, under audit scrutiny.
HelpsPlain-language answers with the exact article attached. Workflow drafts for regulatory responses and internal memos.
EvidenceCitation to the regulator’s own text on every claim, audit trail on every workflow step.
Risk teams
ProblemSizing capital, liquidity, and counterparty risk to the rulebook.
HelpsCalculation walkthroughs grounded in CRR, CRD, and Basel. Multi-step workflows for portfolio reviews and stress inputs.
EvidenceEach step references the article it is drawn from.
AML analysts
ProblemConsistent, defensible customer and counterparty decisions.
HelpsKYC, beneficial-owner, and sanctions reasoning from FATF and the EU AML framework. Workflow support for onboarding batches and periodic reviews.
EvidenceSource-cited basis for every screening conclusion.
Internal audit
ProblemChecking that interpretations trace back to primary sources, and responding to regulator asks in days, not weeks.
HelpsSide-by-side mapping of internal policy to external regulation. Audit-response workflow drafts assembled from your corpus.
EvidenceA verifiable audit trail on every retrieval and every workflow step.
Enterprise architects
ProblemGetting a new platform through the bank's architecture review, with the artefacts the board expects.
HelpsThe platform emits ArchiMate 3 models of the workflows it runs (Open Exchange XML for Archi, .drawio for draw.io), covering elements and relationships across business, application, and data layers. Fits the modelling notation your EA function already uses.
EvidenceSample ArchiMate export from a credit-review workflow, available on request.
CTO and CISO
ProblemAdopting AI without creating a data-governance hole.
HelpsPer-tenant isolation, EU deployment, local model support. Same governance surface across single-turn answers and multi-step workflows.
EvidenceArchitecture brief and audit logging, available on request.
CFO and procurement
ProblemPredictable cost and a comfortable vendor-risk posture.
HelpsLocal-first pricing with no per-query fees, no lock-in. One contract covers answers and workflows.
EvidencePortable data and configuration, exportable on demand.
Built for regulated environments

Security and data protection your reviewers can verify

For a bank, a security claim is not enough on its own. Here is what the product guarantees, and the evidence we provide to your CISO, legal, and procurement teams before a pilot.

Data sovereigntyPer-tenant isolation by design. Deploy in any EU region. No document crosses a tenant boundary.
Local model supportRun on self-hosted models behind your firewall, or use cloud models when you choose. No mandatory cloud dependency.
Privacy and accessTenant-scoped admin, hostname-bound sessions, and an audit trail on every retrieval and admin action.
Portability, no lock-inYour corpus, configuration, and history are exportable at any time. The deployment is portable across clouds or on-prem.
Reproducible by constructionEvery workflow step runs under a pinned persona, a pinned corpus scope, and a recorded model and temperature. Same inputs, same evidence, same governance envelope, every time. The audit log carries enough to replay a decision months later, in front of a supervisor or an internal reviewer.

Available on request

  • Architecture and data-flow brief
  • Data Processing Agreement (DPA)
  • Subprocessor list
  • Model hosting options (local or EU cloud)
  • Audit-logging example
  • Deployment and isolation overview
Request the security brief
Talk to us

Start a conversation

Two reasons most bank teams reach out: a regulation you would like covered next, or a pilot grounded in your own corpus. Send a note and we will get back within a working day.

or email innovethic@aiforallglobal.org

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