REGULATED FINANCIAL AI
AI inside the
banking perimeter.
NINX Banks runs on infrastructure you control — screening fraud, posting to core ledger, and preserving auditor-ready trails without routing PANs through foreign clouds.
THE CHALLENGE
Banking risk matrix
Four regulated risks mapped by severity — where cloud-first AI breaks compliance and core connectivity.
Third-Party Model Exposure
Customer PANs, account data, and trade logic routed through foreign inference APIs.
Core Integration Gaps
AI tools sit outside the ledger — no agentic posting, reconciliation, or settlement flow.
Audit Trail Deficits
Regulators cannot reconstruct AI-assisted credit, fraud, or compliance decisions.
Fraud Latency from Cloud
Round-trips to external models slow real-time screening on high-volume payment rails.
SECURE RAIL
Transaction processing rail
From payment event to audit archive — every node runs inside your banking perimeter.
Card, wire, or UPI event enters the secure rail.
Real-time screening on on-prem models — no external hop.
Agent posts to core banking with full context.
Immutable record for SOX, PCI, and regulator review.
SETTLEMENT
Double-entry settlement ledger
A vertical ledger view of agentic settlement — debit and credit phases with examiner-ready seals.
Reserve funds inside PCI boundary.
Score transaction against local risk models.
Settle to general ledger on sovereign infra.
Match against nostro and suspense accounts.
Cryptographic log for examiner retrieval.
COMPLIANCE FIT
Regulatory fit matrix
Framework-by-framework assessment — cloud SaaS, legacy on-prem, and NINX Banks side by side.
| FRAMEWORK | REQUIREMENT | CLOUD | LEGACY | NINX |
|---|---|---|---|---|
| PCI-DSS | Cardholder data never leaves CDE | |||
| SOX | Immutable AI decision audit trail | |||
| Basel III | Risk model governance on-prem | |||
| GDPR / DPDP | Customer PII localization | |||
| RBI / OCC | Supervisory access to AI logs |
GOVERNANCE
Controls rail
Scroll the control cards — numbered CTR codes for audit, fraud, PCI, and model risk.
Segregation of Duties
Maker-checker flows on every agentic posting.
Fraud Gate Policies
Threshold rules enforced before core submission.
PCI Scope Isolation
CDE workloads run on dedicated on-prem nodes.
Examiner Export
One-click audit bundles for regulatory review.
Model Risk Mgmt
Versioned models with drift monitoring.
Segregation of Duties
Maker-checker flows on every agentic posting.
Fraud Gate Policies
Threshold rules enforced before core submission.
PCI Scope Isolation
CDE workloads run on dedicated on-prem nodes.
Examiner Export
One-click audit bundles for regulatory review.
Model Risk Mgmt
Versioned models with drift monitoring.
WHO WE SERVE
Institution profiles
Bento layout by institution type — retail spans full height, specialty banks tile alongside.
Retail Banking
Branch operations, KYC, lending workflows, and customer service — all inside your perimeter.
Investment Banking
Deal rooms, research ingestion, and compliance drafting without cloud data egress.
Insurance
Claims processing and underwriting on sovereign infrastructure.
Payments & Fintech
High-volume rails with sub-second fraud gates on local inference.
Core-connected integrations for regulated finance.
Run Connect inside your banking perimeter. Wire core ledger, payments, CRM, and MCP tools to NINX Banks — with fraud gates, PCI boundaries, and auditor-ready connection logs.
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Partner with NINX Banks
Schedule a regulated AI assessment with our financial services team — core integration, PCI scope, and pilot design included.
- Bank-grade licensing with institution-level entitlements
- Core banking, payments, and CRM integration services
- Dedicated financial services security and compliance team