Industries / Banking & Financial Services
Banking & Financial Services
Identity, compliance-state evaluation, and AI governance for regulated financial institutions.
Zekret provides a unified identity, compliance, and AI decisioning infrastructure for banks, fintechs, payments providers, and financial institutions requiring deterministic controls, privacy-preserving verification, and consistent sanctions/eligibility enforcement.
Zero-retention identity and attestations
Deterministic sanctions and eligibility enforcement
Explainable AI inside bank perimeter
Sovereign deployment: VPC, on-prem, air-gapped
Executive Overview
Banks face increasing regulatory pressure, fragmented legacy systems, and rising operational costs for KYC, sanctions screening, eligibility assessment, and transaction oversight.
Zekret delivers a single trust layer that integrates identity, attestations, risk intelligence, and AI governance into onboarding, account management, transactions, access control, operational approvals, and eligibility workflows—removing fragmentation and improving resilience while keeping sensitive data inside the bank perimeter.
Industry Challenges
Repeated identity verification across products, regions, and business units
Fragmented sanctions screening and risk assessments
Evolving AML/CTF/sanctions requirements (FATF, AMLD)
Legacy infrastructure complexity and slow change cycles
Inability to deploy AI safely with data sovereignty and explainability
Data retention and privacy risks from storing PII
How Zekret Addresses These
Reusable identity credential replaces repeated KYC across retail, payments, wealth, and digital onboarding
Deterministic compliance-state evaluation removes variability across systems
Unified risk intelligence layer for sanctions, watchlists, and behavioral signals
Explainable AI governance running inside bank-controlled environments
Zero-retention identity architecture removes stored documents and PII
Lightweight SDK + Enforcement Gateway for cross-system interoperability
Capabilities Map
Zekret Identity Engine
- Issue reusable identity credentials
- Selective disclosure tailored to financial workflows
- Attestation refresh when regulatory requirements change
Attestation & Policy Engine
- AML/KYC policy packs
- Sanctions, jurisdiction, and residency rules
- Risk scoring constraints and eligibility conditions
Screening & Risk Intelligence
- Global sanctions screening
- PEP/watchlist checks
- Behavioral risk indicators
- Account-level and transaction-level enrichment
Deterministic Enforcement Layer
- Allow/Block/Escalate for onboarding, payments, high-risk transactions, account access, approvals
Federated AI Governance
- Explainable AI for fraud detection and AML behavior patterns
- On-prem or VPC inference with AI Act–aligned governance
Integration SDK & Enforcement Gateway
- Connects core banking, onboarding, payment rails, and risk systems
- Provides uniform enforcement logic via SDK and gateway
Sector Architecture
Identity → Compliance Intelligence → AI Governance → Enforcement. Zekret overlays a single trust layer across fragmented banking systems, with all layers running inside the bank perimeter (VPC/on-prem/air-gapped).
Identity Credential
- Device-bound
- Structured attributes for AML, age, residency
- Zero-retention of PII
Compliance-State Evaluation
- Centralized policy engine
- Unified sanctions and risk intelligence
AI Augmentation
- Controlled model execution
- Explainable insights integrated into policy logic
Deterministic Enforcement
- Onboarding, payment flows, approvals, access
- Consistent compliance outcomes
Deployment Models
Private Cloud / VPC
Most common for banks, ensuring data sovereignty.
On-Prem Deployment
For regulated environments requiring internal-only operations.
Air-Gapped Mode
For national banks or sensitive clearance requirements.
Dedicated SaaS Instance
For fintechs and payment companies needing quick integration.
Compliance Alignment
FATF Recommendations
AMLD5/AMLD6
KYC/KYB requirements
GDPR principles
EU AI Act governance
Local/sector-specific eligibility laws
Sanctions frameworks (OFAC, UN, EU, HMT)
All compliance decisions include deterministic outputs, version-controlled policy logic, and audit-ready reasoning.
Key Benefits
Single identity model for all financial workflows
Lower operational cost through reusable credentials
Deterministic sanctions and eligibility enforcement
Seamless AI integration with full explainability
Zero-retention architecture reduces regulatory exposure
Uniform compliance across channels, regions, and teams
Full sovereignty: identity, compliance, and AI run inside the bank
Faster onboarding and lower false positives
Modernize Your Financial Compliance Infrastructure
Deploy unified identity, sanctions intelligence, and AI governance across all your banking workflows.