Use Cases

Seven 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.

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
Compliance API — 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
Compliance API — 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.
SME & High Net Worth

SME treasuries and High Net Worth investors with S$8K–S$10M+ in managed cash

In development — not yet available
The Navigator — the Sidian product for this audience — is currently in development and not yet available. The use cases below reflect planned capabilities at launch.
Finance Director / CFO
Singapore SME with S$200K–S$2M in Corporate Cash

SME Treasury Yield Optimisation

The Situation
The SME holds significant cash reserves across multiple Singapore bank accounts. The Finance Director knows the cash could be working harder — but does not have the time, tools, or institutional rate access to optimise placement actively.
The Compliance Problem
SME finance teams lack access to the rate intelligence and product range that institutional treasury desks take for granted. Manually monitoring and moving cash across accounts is time-consuming. Every week the cash sits in a low-rate account is yield left on the table.
The Sidian Solution
Navigator scans interest rates across connected accounts and published bank offers, identifies yield opportunities, and recommends specific moves with full Guardian SGSV compliance validation before any funds move. The Finance Director approves. The transfer executes. The monthly dashboard quantifies the yield gained.
High Net Worth Investor
Individual with S$500K–S$3M in Liquid Assets

Institutional-Grade Cash Management for HNW Investors

The Situation
The HNW investor holds significant liquid assets across personal accounts, fixed deposits, and short-term instruments. Managing rate decisions manually across multiple accounts, instruments, and maturity dates is complex and time-consuming.
The Compliance Problem
HNW investors bear institutional-level complexity but rarely have access to the compliance infrastructure or rate intelligence that institutional fund managers use. The gap between current placement and optimal placement is material at this wealth level — and it compounds over time.
The Sidian Solution
Navigator provides AI-powered rate scanning, yield recommendations calibrated to the investor's asset base, and Guardian SGSV compliance on every proposed move. One-click audit reports satisfy annual compliance review requirements. Each tier is designed to recover its subscription cost through yield improvement.

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.