Banking & Finance

See what sovereign AI looks like inside an Indian bank.

3 scenarios. Real regulations. Real outcomes.

Sovereign Inference Compliance Automation Explainable Credit
01

The Sovereignty Gap

Indian banks make thousands of AI calls daily. Credit scoring, fraud detection, customer analytics. Most route through foreign cloud servers. DPDP Act says they can't. RBI data localisation says data must stay.

0
AI calls per day
0
routed to foreign endpoints
INR 0 Cr
penalty per DPDP violation
02

Every AI call. Governed.

  1. 01
    Call arrives
    Credit underwriting request with PII. Name, PAN, income, CIBIL score.
  2. 02
    Policy gate
    Jurisdiction, data class, and model checked against DPDP and RBI rules. In real time.
  3. 03
    Routed locally
    On-premises model handles the request. Zero egress. Zero foreign dependency.
PERMIT Credit scoring → local/prism-7b
PERMIT Fraud detection → local/sentinel-3b
PERMIT KYC extraction → local/docparse-1b
BLOCKED Customer PII → us-east-1 (DPDP S8)
PERMIT Analytics → local/insight-2b
0 bytes left India. 34ms average. 14,234 calls permitted. 13 blocked.
03

421 controls. Checked every 5 minutes.

6 regulators: RBI, DPDP, SEBI, IRDAI, CERT-In, MeitY.

Manual audit takes weeks. A new circular takes 14 days to assess impact.

412 passing
7 need attention
2 action required
DPDP S8(7) — Data retention exceeds purpose limitation. Owner: Data Management. Due: 7 days.
New RBI circular? Impact assessed in 6 hours. Not 14 days.
04

Every denial. Traceable.

Approved
Rajendra Sharma
Personal Loan INR 8.5L · CIBIL 782 · Confidence 0.94
  • ✓ CIBIL above threshold (750+)
  • ✓ Income-to-EMI ratio 3.2x
  • ✓ 12-year employment history
Denied
Farhan Qureshi
Business Loan INR 25L · CIBIL 612
  • ✗ CIBIL below threshold (612 < 700)
  • ✗ GST filing gap (Q3 2025 missing)
  • ✗ Business age 11 months (< 2 years)
RBI FREE-AI Sutra 5 requires this. Every decision auditable. Every reason traceable.
05

Not a roadmap. Running today.

0
tests
0
components
0
patents
0
warnings

Rust. On-premises. Sovereign by design.

06

Before and After

Before
Foreign inference endpoints
Manual compliance checks
Black-box credit decisions
Quarterly audits
→ → → →
After
Sovereign model routing
Automated control monitoring
Explainable decisions
Continuous 5-minute checks

See it live.

30-minute walkthrough. Your data stays with you.

Book a Demo ← Back to Horizons