Regulation on AI autopilot.
Regulation Layer watches every rule that applies to your business, maps it to the controls you actually run, monitors your operations against them, and produces signed, regulator-ready evidence — in banking, fintech, digital assets, and energy.
Compliance is run like paperwork. It behaves like infrastructure.
Regulated companies do not fail examinations because they lack good intentions. They fail because the rule, the control, and the proof live in three different systems — and none of them talk.
The rules change faster than people can read them
Supervisors, agencies, and legislatures publish continuously. Every bulletin, Q&A, and technical standard can move an obligation you already thought you had covered.
The proof lives in the wrong places
Spreadsheets, ticket comments, screenshots in a shared drive. When an examiner asks, the answer exists — it just takes three weeks to assemble.
Every industry solved it separately
A bank, a payments company, an exchange, and a pipeline operator run the same loop: read the rule, run a control, keep the proof. Nobody built the layer underneath.
- Inboxes full of regulator PDFs.One classified, real-time change feed.
- A quarterly spreadsheet of controls.A live control library with owners and tests.
- Evidence assembled after the request.Evidence sealed the moment the control runs.
- Each business unit reinvents the process.One layer, every jurisdiction and sector.
Different rulebooks. Same loop.
The obligations differ wildly between a bank and a pipeline operator. The work underneath — track the rule, run the control, keep the proof — does not.
Capital, conduct, and consumer protection — evidenced continuously.
- Basel capital and liquidity reporting
- BSA / AML programme obligations
- Consumer protection and fair-lending rules
- Third-party and operational risk
A supervisory bulletin narrows an exemption
The change feed picks up the bulletin, flags the four controls that relied on the old exemption, drafts the revised control text for the owner, and seals an evidence pack the moment the updated control runs.
Illustrative scenario, not a customer story.
- Examiner-ready control walkthroughs
- Board and audit-committee reporting
- A dated trail of every rule change and response
Adjacent sectors — insurance, healthcare, utilities, and regulated manufacturing — run on the same layer. If your business is supervised and has to prove it, it fits.
One loop, running continuously.
Agents do the reading, the mapping, and the assembling. People make the judgment calls and sign their names to them.
- 01
Watch the rules
Regulators, agencies, and standard-setters are monitored continuously. Every publication is classified: is it binding, does it change an obligation, and whose obligation is it?
- 02
Map them to controls
Obligations are linked to the specific, testable controls your teams already run — each with an owner, a frequency, and a pass condition. Changes redline the controls they affect.
- 03
Monitor operations
Transactions, readings, releases, and approvals are checked against the live control set as they happen, not at quarter end.
- 04
Produce signed evidence
Every control run seals an evidence package: the source rule, the mapping rationale, the data, the human decision, hashed and signed.
The unit of truth is a signed pack.
Not a dashboard, not a narrative. A supervisor, an auditor, a partner bank, and a board committee can all be answered with the same artefact.
Linked to an obligation
Every pack names the rule it satisfies, with the source document and version it came from.
Hash-chained
Each pack carries the hash of the one before it, so a missing or altered record is detectable.
Signer attested
The human who approved the decision is named, with their role and their notes.
Exportable
JSON for systems, PDF for supervisors and auditors. No screenshots.
EV-2026-04-2178 · synthetic data
The same shape an auditor or supervisor receives. Every value here is invented for illustration.
{
"evidence_id": "EV-2026-04-2178",
"issued_at": "2026-04-17T14:43:02Z",
"tenant": "northwind-example-prod",
"obligation": {
"id": "Reserve.Composition",
"regulator": "EBA",
"version": "2026-04",
"source": "eba.qa.2026-04-217"
},
"controls": [
{ "id": "C-RES-04", "title": "Daily reserve attestation", "status": "updated", "owner": "treasury-ops" },
{ "id": "C-RES-07", "title": "Segregation of customer funds", "status": "verified", "owner": "treasury-ops" },
{ "id": "C-DIS-02", "title": "Disclosure refresh", "status": "in_progress", "owner": "legal" }
],
"reviewer": {
"name": "Maya Okafor",
"role": "Head of Compliance",
"decision": "approved",
"notes": "Accepted AI-drafted update; tightened wording on eligibility."
},
"ai_engine": { "model": "regulation-layer/real-time-ai-engine", "confidence": 0.94 },
"records_in_scope": 1284,
"ledger": { "hash": "0x9f2a8c3e7b41d6a2e0c41e", "signed_by": "regulationlayer.com/keys/2026-q2" }
}- Screenshots pasted into a slide deck.A signed pack with the rule, the data, and the approver.
- "We believe the control was operating."A hash-chained record showing that it ran.
- Three weeks to answer an examiner.An export while the examiner is still on the call.
Watch a rule change become proof.
Three fictional companies, entirely synthetic data, real product behaviour. Pick one and play the scenario.
Northwind Pay — A fictional payments company that issues a euro stablecoin and custodies digital assets.
Speak the same language.
A vendor-neutral glossary of the terms that come up in every regulated industry — searchable, sourced, and cite-ready.
- Obligation
- A specific, citable requirement extracted from a regulation, statute, or guidance document. Full definition →
- Evidence package
- A signed, hash-chained bundle that proves a control ran against an obligation at a point in time. Full definition →
- Transaction monitoring
- Continuous, rules- and model-based detection of suspicious patterns in transaction flow. Full definition →
Straight answers.
Which industries is Regulation Layer for?
Banking and financial services, fintech and payments, crypto and digital assets, and energy including oil and gas. Adjacent supervised sectors such as insurance, healthcare, and utilities run on the same layer.
Does the AI make compliance decisions on its own?
No. Agents read the rules, map them to controls, and assemble the evidence. A named person approves every material decision, and their name and notes are part of the sealed record.
What is an evidence package?
A signed, hash-chained bundle that ties an obligation to the control that satisfies it, the underlying data, and the human who approved it. It exports as JSON for systems and PDF for supervisors and auditors.
Do you replace our existing GRC or monitoring tools?
Not necessarily. Regulation Layer is the layer underneath: it holds the obligations, the control mapping, and the proof, and connects to the systems where the work already happens.
Is any of the data on this site real?
No. Every company, transaction, reading, and evidence package shown here is synthetic and created for illustration.
How does early access work?
A two-week pilot. We build a working obligation library scoped to your business and produce real evidence packages from your synthetic data, then decide together whether there is a fit.
A two-week pilot, not a pitch deck.
We start with a working obligation library scoped to your business and a real evidence pack on synthetic data. Then we decide together if there is a fit.
Who we work with first
- Banks and credit unions with an examination calendar
- Fintechs, payment firms, and banking-as-a-service platforms
- Exchanges, custodians, and stablecoin issuers
- Energy, oil, and gas operators with permit and disclosure duties
- Compliance, risk, HSE, and product teams who own the audit outcome
What you get
- A working obligation library scoped to your business
- A real-time change feed for the sources that govern you
- Sample evidence packages built from your synthetic data
- A direct line to the founders
Request early access
A founder responds personally.