// For credit institutions

Lending compliance built for corporate complexity.

Brayns maps beneficial ownership, screens borrowers and monitors exposures on your own policies, with regulatory change live across every workflow and your team on the credit decisions that need a person.

// The problem

Corporate lending runs on KYB: beneficial ownership across jurisdictions, registry conflicts, sanctions exposure on borrowers and guarantors, and structures that change between application and drawdown. Manual review cannot keep pace with a growing commercial book without slowing credit decisions.

Examiners want more than a cleared file. They want to see how ownership was verified, which policy version applied, and that sanctions and AML obligations stayed current through the life of the facility. Spreadsheets and periodic sweeps do not reconstruct that under pressure.

01 / The workforce

One platform.
A workforce of agents.

Agents run your entire compliance operation, each owning a part of it and running it continuously on your own SOPs, at machine scale. The ones below are the financial-crime set, one example of that workforce at work.

Agent
KYB Agent
Maps beneficial ownership across every registry for borrowers, guarantors and security providers. It resolves conflicts between sources, clears the structure against your risk policy and keeps UBO data current through the life of the facility.
Agent
KYC Agent
Screens individuals behind corporate facilities against sanctions, PEP lists and your own thresholds. It verifies identity, assesses risk and files the case before credit committee sees the application.
Agent
Regulatory Change Agent
Tracks lending-related AML obligations, sanctions list updates and sector guidance and turns each change into the edits your onboarding and monitoring workflows need. A new rule is reflected in every active facility review the day you approve it.
Agent
TM Agent
Monitors drawdowns, repayments and related-party flows against your typologies. It clears routine activity and surfaces unusual patterns tied to a borrower or group with the reasoning attached for credit and compliance.
Agent
Perpetual KYC Agent
Keeps your commercial book under continuous review instead of event-driven checks. It re-screens the moment ownership, rating or exposure changes, so a rising-risk borrower is caught when the structure shifts, not at renewal.
Agent
SAR Reporting Agent
Turns a confirmed lending case into a filed report on its own. It assembles the facility history and supporting evidence, drafts the SAR in your FIU format and files it, examination-ready from the first line.
02 / How it works

Changing a policy is how you run it.

Upload your lending AML policy, UBO thresholds and monitoring rules. Brayns builds the workflows, agents run them on every application and facility, and when a rule changes the workflows follow the same day.

Step 01

Upload your
policies

Your SOPs, risk policy and thresholds, in the language you already use.

Step 02

Workflows build
themselves

Brayns turns each policy into a runnable workflow. Generated, not coded by hand.

Step 03

Agents run
the work

Continuously, inside your perimeter, with every action written to the audit log.

Step 04

Change a
policy

The workflows follow the same day. Nothing to rebuild, nothing left out of date.

03 / The outcome

Faster credit decisions. Defensible files.

Agents run KYB and monitoring across the commercial book; your credit and compliance teams handle judgement calls. Below is a live lender with four thousand corporate facilities and a twelve-person financial crime team, growing the book twenty percent year on year.

72 hrs
Corporate KYB clearance, down from three weeks.
100%
Active facilities with a current UBO record on file.
Seconds
Examination reconstruction for any credit decision.
Same day
Regulatory rule change live across lending workflows.
04 / Deployment

It runs where your data lives.

The platform is deployed inside your own environment, so the most sensitive data you hold never leaves it, and control stays with your team.

01

In your
perimeter

Runs on your own infrastructure. No case, prompt or decision is sent to an outside service to be processed.

02

Your data
stays yours

Never used to train the underlying model, and never pooled with another firm's. What is yours stays yours.

03

Humans on the
edge cases

Agents do the work and show their reasoning. Your people hold the decisions that carry real weight.

04

Examination-
ready

Every action reconstructs to its inputs and the policy version in force, produced for a regulator in seconds.

05 / Ideas

How we think about compliance.

The thinking behind the platform — where compliance is going, and why the architecture has to change. Five short pieces.

All pieces →
See it run

See it run on your lending operation.

Bring your policies. We will show you the agents executing them, with the full audit trail, inside your own environment.

Book a demo