How AI Powers Compliance and Transaction Intelligence

Each payment follows five stages: Policy Check, AI Analysis, Risk Scoring, Consensus, and Audit Log. Routine payments pass through standard rules and KYT, while only flagged or unusual transactions undergo multi-model AI review and consensus, optimizing cost, speed, and decision quality.

Deployment: Claude Sonnet and OpenAI o1 via private, VPC-isolated cloud (not fully on-prem). Apertus LLM runs entirely on-prem (open-source stack) to ensure data residency and privacy.

By combining rules/KYT with selective, explainable AI consensus, XZiel delivers a dynamic, auditable, and cost-efficient compliance layer that meets supervisory expectations with speed, precision, and traceability.