Sovereign Fintech AI
Sovereign AI for
regulated finance
Amanah is our AI platform for fintech partners, banks, and payment providers. Multilingual agents that read documents, forecast cash, detect fraud, and reconcile ledgers \u2014 deployed inside your jurisdiction, and governed end to end so every decision stands up to an examiner.
How it’s built
Sovereign by deployment
Runs on in-country sovereign cloud or on your own infrastructure. No data egress, no cross-border inference, no vendor lock at the model layer.
Multilingual by design
Parity across languages in the interface, the documents, and the agent’s own reasoning. Handles mixed-script documents, transliterated names, and right-to-left layouts natively.
Agentic, with the brakes on
Agents call your APIs and complete real work. Anything that moves money or commits an obligation stops at a human approval gate.
Governed, examiner-ready
Model registry, drift monitoring, a full decision audit trail, and explainability packs sized for a regulator, produced as a by-product of running the platform.
Ethics-aligned finance
Use cases are built around operations, risk, and compliance rather than interest-based pricing, so the platform sits comfortably in Sharia-compliant and conventional institutions alike.
Model-agnostic core
A model gateway lets you route between open-weight, sovereign, and commercial models per use case, and swap them without rewriting a single agent.
What partners build on it
Use cases
Trade finance
- Document intelligence for letters of guarantee — clause extraction, beneficiary and expiry validation, amendment diffing across languages
- Letter of credit checking against UCP 600, turning a multi-day discrepancy cycle into minutes
- Trade-based money laundering signals: duplicate document submission, price anomalies, circular trade patterns
- Guarantee portfolio agent forecasting expiry, claim probability, and concentration exposure by issuer
Payments & collections
- Multi-bank liquidity forecasting with scenario simulation for corporate treasurers
- Collections agent that predicts payment behaviour, prioritises outreach, and drafts it in the customer’s language
- Fraud and misdirected-payment interception at account verification — beneficiary mismatch and mule-account scoring
- Sanctions and AML screening tuned for transliteration and script variance, cutting the false-positive load analysts carry
Reconciliation
- Self-learning match engine for retail, wholesale, and bank-ledger reconciliation that improves from every analyst correction
- Exception triage agent that writes the root-cause narrative and proposes the correcting entry for approval
Open banking & risk
- Cash-flow based risk assessment for small business from consented transaction data, with no financial statements required
- Transaction enrichment and categorisation offered as a shared service across partner institutions
- Receivables and payables settlement optimisation across the buyer-supplier graph, on fee-based rather than interest-based terms
Investment
- Screened suitability and portfolio guidance with a complete advice audit log behind every recommendation
- Fund document summarisation and side-by-side comparison in the investor’s own language
Identity & security
- Behavioural biometrics and adaptive step-up authentication that stays invisible until risk rises
- Deepfake voice and synthetic identity detection at onboarding
Compliance
- E-invoicing and tax compliance agent — validation, rejection triage, and remediation
- Regulatory change monitoring that parses circulars into control-mapping deltas for your risk team
- AI governance as a service, so every use case above ships with its evidence pack already written
Platform at a glance
- Deployment
- In-country sovereign cloud, private cloud, or on-premise
- Model layer
- Model gateway across open-weight, sovereign, and commercial models
- Orchestration
- Agent control plane with tool calling into your core APIs
- Controls
- Human approval gates, segregation of duties, replayable decision log
- Governance
- Model registry, drift monitoring, explainability and evidence packs
- Languages
- Multilingual interface, documents, and reasoning, including right-to-left
How we partner
Embed
Amanah runs as the AI layer inside your existing platform. Your interface, your brand, our agents and governance underneath.
Distribute
White-label Amanah to your own bank and corporate clients under a revenue share. We stay behind the glass.
Co-build
We build the use cases your market asks for on the Amanah foundation, and you own the resulting product.