Use Cases
Six scenarios.
The compliance gap in each one.
Every use case below is a real compliance problem that emerges when AI agents start executing financial transactions — and that existing monitoring tools, batch review systems, or manual processes cannot solve at AI speed.
Every solution below implements Regulatory-Native AI →Institutional
MAS-regulated banks, digital banks, and licensed payment institutions deploying agentic AI
Chief Compliance Officer
Tier-1 Bank or Digital Bank
AI Agent Payment Execution
The Situation
The bank has deployed AI agents to autonomously initiate and execute payment instructions — FX settlements, interbank transfers, and structured product disbursements — without human involvement in each transaction.
The Compliance Problem
No system exists between the AI agent and the payment rail. The AI's instructions reach the bank's payment infrastructure unchecked. MAS FEAT requires an explainable, pre-decision compliance record for every AI-driven transaction. The bank cannot produce one.
The Sidian Solution
The Guardian SDK sits between the AI agent and the payment rail. Every instruction is intercepted, assessed against the bank's own compliance policy, and cleared or held in milliseconds — with a permanent, tamper-proof audit record written for every decision.
MLRO / Head of Compliance
Digital Bank or Payment Institution
High-Volume Post-Execution AML/CFT Monitoring
The Situation
The institution processes thousands of AI-initiated transactions daily. The compliance team's existing post-execution monitoring system was calibrated for human transaction volumes. Alert queues are overloaded. STR drafting is consuming analyst capacity that should be spent on genuine investigations.
The Compliance Problem
Alert fatigue is increasing false-positive rates. Structuring patterns and counterparty clustering schemes that develop across transaction sequences are being missed. STR drafts take hours to prepare. MAS AML/CFT Notice obligations require continuous monitoring at a scale the current system cannot sustain.
The Sidian Solution
Sentry monitors every transaction in real time, applies MAS AML/CFT-aligned rules across full transaction history, and generates pre-populated MAS STR drafts automatically when an alert is raised. Analyst time shifts from drafting to review and submission.
Chief Technology Officer
MAS-Regulated Bank or Payment Institution
Full-Spectrum Coverage: Guardian SDK and Sentry
The Situation
The institution is deploying agentic AI across multiple financial workflows. The CTO needs a compliance architecture that covers both the pre-execution decision point and the post-execution monitoring obligation — without rebuilding the core payment infrastructure.
The Compliance Problem
Pre-execution and post-execution compliance have traditionally been separate workstreams with separate vendors. Integrating both creates architectural complexity, vendor management overhead, and potential gaps at the handoff point between execution and monitoring.
The Sidian Solution
Guardian SDK and Sentry share the same Guardian SGSV compliance engine. Deployed together, they provide seamless full-spectrum coverage: every AI instruction validated before execution, every completed transaction monitored continuously after. One architecture. One audit framework.
FinTech & Developer
MAS-licensed FinTechs, payment institutions, and Wealthtech platforms with developer teams
Chief Technology Officer
PSA-Licensed Payment Institution or FinTech
Compliance Integration Without SDK Overhead
The Situation
The FinTech is MAS-licensed and deploying AI for automated payment routing. They need Guardian SGSV compliance coverage but cannot commit to a full SDK integration — their architecture, development timeline, or resource constraints do not support it.
The Compliance Problem
The MAS obligation to demonstrate pre-execution compliance and produce a per-transaction audit record exists from the first AI-initiated transaction. A 12-to-24-month in-house build means operating without a compliant pre-execution layer for the entire development window.
The Sidian Solution
RegOS delivers full Guardian SGSV compliance via a single HTTPS POST request. No SDK. No infrastructure changes. The FinTech inserts one API call between their AI layer and their payment rail. Compliance decisions return in milliseconds. An immutable audit record is written automatically for every call.
Head of Product / CTO
Robo-Advisor or Wealthtech Platform
AI-Driven Portfolio Rebalancing Compliance
The Situation
The Wealthtech platform uses AI to execute automated portfolio rebalancing instructions on behalf of retail clients — buy, sell, and transfer instructions that execute without client intervention on each trade.
The Compliance Problem
MAS FEAT requires that every AI-driven financial decision be explainable and auditable. The platform's existing compliance layer cannot produce a per-instruction compliance record because it was designed for human-initiated trades reviewed in batch, not AI-initiated instructions at rebalancing frequency.
The Sidian Solution
RegOS provides a pre-execution compliance check and a full audit record for every rebalancing instruction before it executes. Four volume tiers scale from development through high-frequency production. MAS FEAT Accountability and Transparency requirements are satisfied at the point of execution.
Existing AI System
MAS-regulated institutions and licensed FinTechs with an AI decisioning system already in place, evaluating it ahead of a regulatory, investment, or vendor-risk decision
CCO / CTO
MAS-Regulated Institution or Licensed FinTech with an Existing AI System
Independent Read on an In-House or Vendor AI Decisioning System
The Situation
The institution has already deployed an AI decisioning system — built in-house or licensed from a vendor — and has no interest in replacing it. A MAS review, an investment round, or a counterparty's vendor-risk assessment is approaching, and no one outside the institution has ever assessed whether the system's architecture would hold up to scrutiny.
The Compliance Problem
Self-assessment is not credible to a regulator, an investor, or a counterparty. Without an independent, structured review against a defined standard, the institution cannot say with confidence whether its decisioning logic, audit trail, and explainability would satisfy MAS FEAT requirements — only that it hasn't been asked yet.
The Sidian Solution
The Regulatory-Native AI Assessment reviews the existing system against Sidian's five-criterion standard — deterministic-first, fail-closed, audit-native, explainable, and human-override — and returns a scored, criterion-by-criterion report. No integration. No infrastructure change. Just an outside read, with an optional remediation roadmap if gaps are found.
Don't see your scenario?
Every MAS-regulated institution deploying agentic AI faces a version of the same compliance gap. Tell us your situation and we'll show you how Guardian SGSV fits your architecture.