Industry: Financial services

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Products 16 pages

KYE™ App StoreThe KYE™ App Store. 21 productised authority surfaces on KYE Protocol™ — payments, open finance, sandbox, sector apps, MCP, evidence, certification, legal
KYE™ Connector Profiles™KYE™ Connector Profiles™ make authority portable across 11 domain families — Commerce, Payment, Open Finance, Health, Pension, Agent Runtime, Security &…
Agent Library™KYE™ Agent Library™ — 23 versioned, signed reference agents for 12 categories spanning banking, payments, insurance, healthcare, pharma, logistics, energy…
IntegrationsWhat KYE Protocol™ composes with: OAuth/OIDC, SAML, SPIFFE/SPIRE, mTLS, passkeys, OPA, Cerbos, Cedar, MCP, AuthZEN, payment rails, KYC/KYB/KYA vendors…
KYE™ Claims Decision Authority Agent™KYE™ Claims Decision Authority Agent™ — a bounded, single-purpose KYE™ Governed Agent™ that govern triage, reserves, settle/deny, payment release, referrals.…
KYE™ Credit Card Action Authority Agent™KYE™ Credit Card Action Authority Agent™ — a bounded, single-purpose KYE™ Governed Agent™ that govern limit/APR/issuance. It is a first-class principal…
KYE™ Islamic Microfinance Authority Agent™KYE™ Islamic Microfinance Authority Agent™ — a bounded, single-purpose KYE™ Governed Agent™ that govern a qard hasan or micro-murabaha disbursement and its…
KYE™ Mortgage Lending Action Authority Agent™KYE™ Mortgage Lending Action Authority Agent™ — a bounded, single-purpose KYE™ Governed Agent™ that govern approve/decline/terms. It is a first-class…
KYE™ Payment Authorization Authority Agent™KYE™ Payment Authorization Authority Agent™ — a bounded, single-purpose KYE™ Governed Agent™ that governed authorize/hold/step-up/decline. It is a first-class…
KYE™ Sanctions & AML Authority Agent™KYE™ Sanctions & AML Authority Agent™ — a bounded, single-purpose KYE™ Governed Agent™ that governed block/release/escalate/file-SAR. It is a first-class…
KYE™ Treasury Authority Agent™KYE™ Treasury Authority Agent™ — a bounded, single-purpose KYE™ Governed Agent™ that governed corporate-treasury decisions within mandate/limit. It is a…
KYE™ Agentic Lending Authority Pack™KYE™ Agentic Lending Authority Pack™ governs AI agents that make or assist consumer-credit decisions — underwriting, pricing, adverse action, arrears. Every…
KYE™ MAS MindForge Banking Authority Pack™KYE™ MAS MindForge Banking Authority Pack™ operationalises the MAS Project MindForge AI Risk Management: Operationalisation Handbook at runtime for Singapore…
KYE™ OCC Filing Readiness Pack™KYE™ OCC Filing Readiness Pack™ operationalises the U.S. OCC's supervisory expectations for consequential bank AI at runtime. Every consequential AI action is…
KYE™ SME Payment Authority Pack™KYE™ SME Payment Authority Pack™ resolves, before an instruction reaches any payment rail, whether an AI payment assistant acting for an SME may cause this…
KYE™ Starter PacksKYE™ Starter Packs are turn-key bundles for specific sector x role x jurisdiction buyer contexts — UK Tier-1 bank SMF24, UK insurer CISO, EU DORA ICT Risk…

By sector 14 pages

KYE™ Delegated Auditability™Agentic payments, procurement agents, open finance, risk/compliance copilots — KYE™ Delegated Auditability™ for financial services
Open bankingKYE Protocol™ for open banking and delegated payment initiation: account holder → TPP → AI finance agent → ASPSP, every link signed, every scope…
Agent PurchasingIndependent reference architecture for AI-agent purchasing on a tokenised card. KYE Protocol™ provides the authority + state + decision + evidence layer…
KYE™ AML & Financial-Crimes Governance Pack™The KYE™ AML & Financial-Crimes Governance Pack governs AI-assisted anti-money-laundering actions at the action boundary — the moment an AI agent disposes an…
KYE™ Commerce & Payments Authority Pack™When an AI agent or automated checkout takes a money action — a payment, refund, chargeback, subscription change, or cross-border remittance — the KYE™…
KYE™ Investment Decision Authority Pack™The KYE™ Investment Decision Authority Pack™ governs AI-assisted investment decisions and actions at the action boundary — the moment an AI-generated thesis…
KYE™ MAS Digital-Asset Treasury Authority Pack™The MAS Digital-Asset Treasury Authority Pack™ — a KYE™ Sector Pack Foundry™ expert-pack delivering Agentic Governance™ with Authority Finality™ for Singapore…
KYE™ Model & Risk-Data Governance Pack™The KYE™ Model & Risk-Data Governance Pack™ governs the authority and evidence of model-driven decisions and risk-data flows so they are provable when the…
KYE™ Senior Manager Authority Pack™The Senior Manager Authority Pack™ — first canonical KYE™ Sector Pack Foundry™ reference template. Maps every AI-assisted material decision in UK financial…
KYE™ Travel Rule Authority Pack™The Travel Rule Authority Pack™ — a KYE™ Sector Pack Foundry™ expert-pack delivering Agentic Governance™ with Authority Finality™ for VASP Travel Rule…
One protocol, every sectorClick any sector — banking, payments, healthcare, pharma, maritime, energy, defense, RegTech, AI governance
Core-banking mandate authority for AI agentsA tangible walk-through for core-banking teams: an AI banking agent about to post a ledger entry against a mandate that already expired — refused at the action…
KYE™ Banking Agent Authority™Banking platforms run agentic banking; KYE Protocol™ proves whether each agentic banking action — advice, servicing, credit, payment, complaint, refund or…
Open-banking consent authority for AI agentsA tangible walk-through for open-banking teams: an AI finance agent about to pay a payee outside the account holder's consent — refused at the action boundary…

Compliance, conformance & certification 37 pages

Evidence Pack™ demoA live, signed Evidence Pack™: supplier_payment_agent prepares a £950 payment. Observed Action → Shadow Evaluation → Authority Gap → Guard Recommendation
PCI DSS 4.0PCI DSS 4.0 — Payment Card Industry Data Security Standard coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
NIST 800-53 Rev 5 hub (universal control taxonomy)NIST 800-53 Rev 5 is the universal control taxonomy KYE Protocol™ uses as the hub for every regulatory crosswalk. 20 control families, 25 headline controls…
AIFMD / UCITSAIFMD / UCITS — Fund Manager Authority, Risk Management & Investment Limits coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact…
Bank Negara MalaysiaBank Negara Malaysia — Shariah Governance Policy Document 2019 coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that…
Basel Governance HubThe Basel Governance Hub maps every BCBS 239 principle (all 14) to the KYE Protocol™ artefact, event family, and verification gate that binds it — honest…
BCBS 239BCBS 239 — Risk Data Aggregation & Risk Reporting Principles coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces…
Canada Consumer-Driven Banking Framework (open banking)Canada Consumer-Driven Banking Framework (open banking) coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
Central Bank of BahrainCentral Bank of Bahrain — Shariah Governance Module coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
Central Bank of JordanCentral Bank of Jordan — Islamic Banking Shariah Governance coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces…
Central Bank of KuwaitCentral Bank of Kuwait — Shariah Supervisory Governance coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
Central Bank of NigeriaCentral Bank of Nigeria — Non-Interest (Islamic) Financial Institutions coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact…
Central Bank of OmanCentral Bank of Oman — Islamic Banking Regulatory Framework (IBRF) coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that…
Central Bank of SudanCentral Bank of Sudan — High Shariah Supervisory Board coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
CIPSCIPS — Cross-Border Interbank Payment System (RMB) — payment-authority governance coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™…
Dispute stakeholder reportRepresentative report envelope for a Dispute Resolution / Litigation Support. Synthetic tenant — Single-decision subpoena response · supplier-payment dispute…
DORA (Framework library)DORA — Digital Operational Resilience Act — control mappings to KYE Protocol™ canonical artefacts. Financial entities in the EU — credit institutions, payment…
ECOA / Regulation BECOA / Regulation B — Equal Credit Opportunity Act coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
FATF 40 RecommendationsFATF 40 Recommendations — International AML/CFT Standards coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
FCA COBSFCA COBS — Conduct of Business Sourcebook (UK Investment Conduct) coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that…
FCA CONCFCA CONC — Consumer Credit Sourcebook coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
FCRAFCRA — Fair Credit Reporting Act coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
GENIUS ActGENIUS Act — US payment stablecoin law coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
Investment Mandate / IPSInvestment Mandate / IPS — Investment Policy Statement & Discretionary Mandate Authority coverage by KYE Protocol™ — every requirement bijection-mapped to the…
MiFID IIMiFID II — Markets in Financial Instruments Directive II (Investment Services Conduct) coverage by KYE Protocol™ — every requirement bijection-mapped to the…
PCI DSS v4.0PCI DSS v4.0 — Payment Card Industry Data Security Standard — control mappings to KYE Protocol™ canonical artefacts. Any entity that stores, processes, or…
PSD2 / PSD3PSD2 / PSD3 — EU Payment Services Directive coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
Qatar Central BankQatar Central Bank — Shariah Supervision and Governance coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
Saudi Central BankSaudi Central Bank — Shariah Governance Framework coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
SEC Investment Adviser Fiduciary DutySEC Investment Adviser Fiduciary Duty — Advisers Act of 1940 (Duty of Care & Loyalty) coverage by KYE Protocol™ — every requirement bijection-mapped to the…
SR 11-7SR 11-7 — Model Risk Management — control mappings to KYE Protocol™ canonical artefacts. Banking — model risk management for all regulated banking…
State Bank of PakistanState Bank of Pakistan — Shariah Governance Framework coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
TARGET2 / T2 RTGS (ECB)TARGET2 / T2 RTGS (ECB) — payment-authority governance incl. Settlement Finality Directive 98/26/EC coverage by KYE Protocol™ — every requirement…
TKBBTKBB — Participation Banking Standards (Türkiye) coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
UK Faster Payments (FPS)UK Faster Payments (FPS) — payment-authority governance coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.
US Bank Secrecy Act / FinCENUS Bank Secrecy Act / FinCEN — AML Program, CDD & SAR Requirements coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that…
Wolfsberg Group AML Principles & GuidanceWolfsberg Group AML Principles & Guidance coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

Solutions 2 pages

Use casesNine real-world KYE Protocol™ use cases — high-value payments, custody break-glass, EU AI Act docs, HIPAA chart review, NIS2 incident response, FedRAMP…
Failure to Prevent FraudUnder the UK Failure to Prevent Fraud offence (ECCTA, enforcement 2027) the statutory defence is reasonable procedures — replay-provable evidence that a…

Developer portal 2 pages

Connector Hub™The KYE™ Connector Hub™. Plug KYE Protocol™ into payment gateways, internet/mobile payment gateways, checkout, shopping carts, wallets, MCP servers, agent…
Agent Dev Kit templatesSelf-governing-by-default scaffolds — every template emits the §0.3 governance event family out of the box. They extend the canonical hello / kyc / payment set…

Engage 2 pages

KYE™ for Startups™KYE™ for Startups™ — an early-stage credit program (like AWS Activate / Stripe for Startups) granting qualifying AI startups KYE™ governance credits across…
Working groupsKYE Protocol™ working groups. Six open WGs — KYE™ Core, Open Banking, Agent Governance, Evidence & Audit, Capability Profile, Compliance Mapping

Resources 6 pages

Roadmap to AI Governance for Financial ServicesFinancial institutions are deploying AI into decisions that regulators already supervise — creditworthiness, fraud, market and model risk — faster than their…
BCBS 239 §6BCBS 239 §6 — Maker-checker / dual control: — Maker-checker / dual control
CapabilityCapability: The named verb in the action vocabulary — e.g., payment.initiate , data.read .
ePDPePDP — Edge PDP: A locally-cached, offline-capable PDP for the bank/merchant edge.
KYE™ Semantic Authority Mapper™KYE™ Semantic Authority Mapper™: Maps OAuth scopes, IAM roles, payment mandates, legal delegations, healthcare consents, API permissions and sector terms into…
PSD3PSD3: EU revised Payment Services Directive.