Gemini-Powered Financial Intelligence Architecture
The system is powered by Google Gemini's multimodal AI framework — an infrastructure capable of analyzing structured and unstructured financial data at scale. Combined with proprietary risk and compliance logic, it enables continuous monitoring, contextual reasoning, and secure, read-only interaction with financial institutions and blockchain ecosystems.
At its core, the platform transforms complex transaction data into transparent, regulator-ready insights.
System Architecture
The technology stack is organized into five interconnected layers, each dedicated to a specific stage of financial data processing — from secure ingestion to regulatory action.
Data Sources
Read-only access to banks, payment processors, and crypto exchanges via verified APIs. Supports Open Banking, ISO 20022, and blockchain data streams.
Gemini AI Core
Processes high-volume financial data using Gemini's multimodal reasoning capabilities. Performs natural-language interpretation of metadata, behavioral clustering, and entity correlation across accounts.
Risk Engine
Executes machine learning–based scoring logic that identifies anomalies, duplicate transfers, hidden subscriptions, and unauthorized activity. Each chain of transactions receives a dynamic risk profile updated in real time.
Compliance Layer
Implements AML, KYC, GDPR, and regional data-protection standards. Ensures traceability and accountability of every decision generated by the AI. Provides audit logs compatible with regulatory review formats.
Response API Gateway
Acts as a secure communication channel between the platform and financial institutions. In line with applicable compliance rules, it is used to transmit structured alerts and case files to institutions, supporting their own chargeback, recall, or dispute processes. The platform itself does not execute financial operations or make decisions on behalf of any bank or payment provider.
Secure Data Handling
All connected data flows operate in read-only mode.
The platform does not execute or store financial operations; it only interprets and reports them.
Security measures:
• TLS 1.3 and AES-256 end-to-end encryption
• Differential privacy in all data aggregation processes
• Region-based data segregation (EU / NA / APAC)
• Immutable audit trail stored in compliance-ready format
Gemini Cognitive Risk Engine
Using Gemini's reasoning capabilities, the platform interprets financial behavior not only through numerical anomalies,
but also through semantic patterns — e.g. metadata, transaction descriptions, and behavioral correlations.
Capabilities:
• Continuous anomaly detection across fiat and crypto ecosystems
• Behavior-based fraud scoring (0–100 scale)
• Contextual understanding of transaction purpose and counterpart behavior
• Adaptive learning: the model evolves as transaction networks change
Intelligent Action Framework
When the AI identifies high-risk financial behavior, it prepares a structured incident report and — within the regulatory boundaries —
can trigger automated workflow steps through partner APIs, such as notifications or case creation inside existing banking or compliance systems.
All workflows are logged, timestamped, and routed through the compliance layer for review and approval by the relevant institution.
• PreparationPreparation of structured data packages to support banks’ internal review of suspicious transfers and any subsequent actions they may decide to take
• Generation of case files to support dispute / refund workflows for digital-asset platforms
• Regulatory incident reports generated for audit and supervision
Explainable and Auditable AI
Every output produced by the Gemini-based core includes explainability metadata:
which variables influenced a decision, why the model classified an action as risky,
and what regulatory framework the response aligns with.
Features:
• Transparent model decisions for auditors and regulators
• Traceable reasoning chain for each incident
• Configurable sensitivity thresholds per user or institution
Aligned with Global Standards
The system adheres to the highest standards of security and financial data governance.
All operations follow the principles of open banking, data minimalism, and regulator supervision.
Compliance frameworks:
• GDPR (Europe)
• AMLD6 (EU directive)
• ISO 27001 (Information Security)
• SOC 2 (Data integrity and privacy)
• PCI DSS (Financial data protection)
Technology That Strengthens Financial Integrity
Utilizing Google Gemini. Designed to make the global financial ecosystem more transparent, intelligent, and accountable. Pricing is calculated individually.