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arXiv AI By Walter Kurz, Reinhard Magg

Compliant AI Infrastructure for Regulated Finance: A tiered multi-agent framework with DLT audit trails for financial operations in DACH

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The paper introduces a compliance-first AI architecture for regulated finance, treating regulation as an orientation layer rather than a rigid rule set. It uses a regulatory intent matrix and a governed policy compiler to translate regulatory requirements into concrete prohibitions, obligations, and runtime budgets, while maintaining proportional committee activation and supervisory oversight. Evidence and decisions are recorded on a permissioned DAG with deterministic timestamps, enabling replay, provenance checks, and clear attribution of failures, and clause-level legal indexing ensures portability across the DACH region and the EU.

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