Banking · Fintech · Digital assets · Energy

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.

Regulations
AI Engine
Controls
Evidence
Reports
Basel III · Capital reportingCFPB · Consumer protectionMiCA · Reserve compositionFATF · Travel RuleDORA · Operational resilienceAML 6 · Beneficial ownershipEPA · Methane reportingPHMSA · Pipeline integrityOSHA · Process safetySEC · Climate disclosureNYDFS · Part 500EU AI Act · High-risk systemsBasel III · Capital reportingCFPB · Consumer protectionMiCA · Reserve compositionFATF · Travel RuleDORA · Operational resilienceAML 6 · Beneficial ownershipEPA · Methane reportingPHMSA · Pipeline integrityOSHA · Process safetySEC · Climate disclosureNYDFS · Part 500EU AI Act · High-risk systems
The problem

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.

01

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.

02

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.

03

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.

Old way → New way
  • 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.
Industries

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.

Banking

Capital, conduct, and consumer protection — evidenced continuously.

Rules that bite
  • Basel capital and liquidity reporting
  • BSA / AML programme obligations
  • Consumer protection and fair-lending rules
  • Third-party and operational risk
Worked example

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.

What you get out
  • 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.

How it works

One loop, running continuously.

Agents do the reading, the mapping, and the assembling. People make the judgment calls and sign their names to them.

  1. 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?

  2. 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.

  3. 03

    Monitor operations

    Transactions, readings, releases, and approvals are checked against the live control set as they happen, not at quarter end.

  4. 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.

Evidence

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.

Sample evidence package

EV-2026-04-2178 · synthetic data

The same shape an auditor or supervisor receives. Every value here is invented for illustration.

Download
{
  "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" }
}
Old way → New way
  • 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.
Behind the scenes

Watch a rule change become proof.

Three fictional companies, entirely synthetic data, real product behaviour. Pick one and play the scenario.

Northwind PayA fictional payments company that issues a euro stablecoin and custodies digital assets.

Real-time AI Engine
streaming
Live monitoring
last 60s
TX-91827USDC$248,500
TX-91828EURNW€1,820
Now executing
Supervisor publishes a Q&A on reserve composition
14-page PDF, classified as a binding interpretation for e-money token issuers.
Obligations
312
Controls
47
Evidence
1,284
See the sealed evidence package ↓
Reference

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 →
Control
A specific, testable action a firm performs to satisfy an obligation.
Full definition →
Evidence package
A signed, hash-chained bundle that proves a control ran against an obligation at a point in time.
Full definition →
RegTech
Regulatory technology.
Full definition →
Transaction monitoring
Continuous, rules- and model-based detection of suspicious patterns in transaction flow.
Full definition →
SupTech
Supervisory technology — the supervisor-side counterpart of RegTech.
Full definition →
Browse the full glossary →
FAQ

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.

Early access

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.

Placeholder form — nothing is stored or sent yet.

Request early access →