README.md

---
title: FinC2E – Governance-First AI
emoji: 🛡️
license: other
language:
- en
tags:
- governance
- compliance
- aml
- kyc
- risk
- audit
- human-in-the-loop
- decision-support
- enterprise
- regtech
pipeline_tag: text-generation
library_name: transformers
---

# FinC2E — Financial Cognitive Compliance Engine  
### Governance-First AI for AML/KYC & Audit-Ready Decision Support (Human-in-the-Loop)

**FinC2E** is a governance-first AI advisory system designed for **regulated, high-stakes environments** where **decision legitimacy, traceability, and accountability** are more critical than automation or speed.

FinC2E is developed under **BPM RED Academy — HumAI MightHub** as a controlled, enterprise-grade cognitive layer supporting human decision-makers in compliance, risk, and audit workflows.

---

## Core positioning (non-negotiable)

- **Advisory-only AI** — Human-in-the-Loop by design  
- **No autonomous enforcement**  
- **No replacement of compliance officers**  
- **No black-box decisions**  
- **Responsibility always remains with the human decision-maker**

FinC2E is intentionally **not** an autonomous compliance system.

---

## What FinC2E does

FinC2E supports regulated teams by generating **structured, reviewable reasoning**, not decisions.

Primary capabilities include:

- **Case triage & prioritization support**  
  Risk-oriented reasoning signals for human review

- **Policy-referenced reasoning**  
  Outputs explicitly reference assumptions, rule context, and logic paths

- **Audit-ready narratives**  
  Structured explanations suitable for auditors, regulators, and committees

- **Scenario & stress-logic support**  
  FSAP-style views and counterfactual reasoning

- **Committee-ready summaries**  
  Clear, human-readable briefs for decision boards

---

## What FinC2E is NOT

- Not an automated blocking or freezing system  
- Not a penalty or enforcement engine  
- Not a legal authority or regulator  
- Not a “push-button compliance” product  

FinC2E does **not** take actions.  
It supports **human judgment under governance constraints**.

---

## Intended users

FinC2E is designed for:

- Banks and financial institutions (AML / KYC / CDD teams)  
- RegTech providers  
- Audit and compliance consultancies  
- Institutional risk and compliance committees  
- Government, FIU, and sovereign deployments (controlled and policy-bound)

It is **not intended** for consumer or retail use.

---

## Governance & design principles

FinC2E is built around the following principles:

1. **Human accountability first**  
2. **Traceable reasoning over opaque accuracy**  
3. **Policy alignment before model optimization**  
4. **Auditability as a core requirement, not an add-on**  
5. **Controlled deployment over unrestricted access**

These principles define both system behavior and engagement models.

---

## Commercial & Institutional Use (Licensing)

FinC2E is available for **commercial, institutional, and governmental use** under a separate license.

Commercial licensing is required for any:
- production use,
- institutional deployment,
- internal corporate use beyond evaluation,
- integration into paid products or services.

---

### Institutional pricing  
#### Early Governance Adoption Window (50%)

As part of an **early institutional governance onboarding window**, FinC2E is currently offered under special terms:

> **New Year Governance Adoption Offer — valid until January 2nd, 2026**

These terms are intended for organizations preparing for **stricter AI governance, audit, and accountability requirements in 2026**.

**Current onboarding terms (50%):**

- **Evaluation PoC (controlled scope): €75,000**  
  *(standard institutional price: €150,000)*

- **Institutional Pilot (policy-bound, audited, monitored): €300,000**  
  *(standard institutional price: €600,000)*

- **Annual Enterprise License: from €750,000**  
  *(standard institutional price: from €1,500,000)*

Final pricing depends on:
- jurisdiction and regulatory context,  
- deployment model (on-prem / sovereign cloud / controlled environment),  
- governance depth and audit requirements.

---

### Contact for licensing and institutional engagement

- **Website:** https://www.bpm.ba/FinC2E  
- **Email:** governance@bpm.ba  
- **Suggested subject:** *“FinC2E — Governance Licensing / Institutional Pilot”*

---

## Deployment models (commercial)

FinC2E may be deployed under controlled conditions via:

- **Evaluation PoC** — limited scope, non-production  
- **Institutional pilot** — policy-defined, monitored, auditable  
- **On-prem / sovereign cloud deployments** — where required by regulation

> Note: Any “Deploy” or hosting options shown by platform interfaces (e.g. Hugging Face Spaces or inference tooling) refer to **technical serving mechanisms only**.  
> Commercial deployment of FinC2E is governed exclusively through licensing and contractual engagement.

---

## Evaluation context & ecosystem alignment

FinC2E has been developed, iterated, and evaluated **within the NVIDIA ecosystem**, using enterprise-grade tooling aligned with regulated AI deployment standards.

Across a **three-month evaluation period**, the system demonstrated **consistent exponential growth in evaluator engagement and institutional interest**, driven by:
- governance-first positioning,
- human-in-the-loop design,
- audit-ready reasoning outputs.

Evaluation focused on:
- decision traceability and narrative integrity,  
- stability of policy-referenced reasoning,  
- suitability for high-stakes, regulated environments.

This evaluation phase informed the system’s current **commercial and institutional readiness**.

---

## Evaluation notes (for serious evaluators)

Recommended evaluation criteria:

- Auditability of reasoning paths  
- Preservation of human accountability  
- Policy alignment and explainability  
- Integration with committee and case-management workflows  
- Reproducibility under controlled inference conditions  

Feedback is welcomed from teams working in:
- regulated AI deployments,  
- governance, audit, and explainability,  
- enterprise inference and evaluation tooling.

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## Canonical reference

**FinC2E — Financial Cognitive Compliance Engine**  
Governance-first AI for AML/KYC, risk classification, and audit-ready reasoning.  
Advisory-only. Human-in-the-Loop.

---

## Legal & compliance disclaimer

FinC2E provides **decision support only** and does not constitute legal advice.  
All final decisions remain with qualified human reviewers and accountable officers.

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© BPM RED Academy — HumAI MightHub  
Engineering legitimacy into AI systems.

— Edin