DEFONEOS is the UK sovereign AI substrate built to FCA SYSC + PRA SS2/23 + DORA + NIS2 + EU AI Act + SR 11-7 standards. Audit-grade SIGIL chain · 94-98% cheaper than Palantir/OneTrust/ServiceNow/Big 4 advisory. AUKUS-Pillar-2 compatible for trans-Pacific institutions.
UK FS firms carry cascading AI compliance: DORA Art 21 (third-party risk), FCA SYSC 15.3 / 16A (outsourcing + operational resilience), PRA SS2/23 (model risk management + AI-specific), SR 11-7 (model risk), and now EU AI Act for any firm with EU operations. Each demands documented model lineage, change-management, exit plans, and audit packets your FCA / PRA / EBA examiner can read.
DEFONEOS pre-bakes each: the SIGIL chain is the audit packet; the 9 oversight layers map 1:1 to FCA SYSC operational-risk controls; the OSCAL attestor publishes model lineage per SR 11-7; the BFT 23/33 council + 7 protocol-enforced red lines map to DORA Art 21 §3 critical-third-party safeguards. Audit pack to your examiner in 14 days.
The problem. Multi-bank fraud detection requires federated model training on transaction data that NEVER leaves each bank's perimeter. Industry consortium pledged FCA progress but stalled on shared substrate sovereignty.
What DEFONEOS does. Federated learning across N UK banks. Only model checkpoints (not raw transactions) cross bank boundaries, with each checkpoint SIGIL-signed + audit-traceable. DORA Art 21 + SYSC 16A pre-baked.
The problem. Buy-side firms (asset managers, pension funds) need SR 11-7-equivalent model risk management. Current: paper-based governance plus vendor-lock dashboards. FCA/PRA exams find it brittle.
What DEFONEOS does. OSCAL attestor publishes per-model lineage, change history, validation tests, surveillance, owners. SIGIL-signed per approval step. Article 14 human-oversight overrides at consensus.
The problem. Challenger banks stack 30-80 third-party SaaS providers (KYC, AML, fraud, ledger, payments, sanctions). DORA Art 21 mandates documented exit plans + critical-third-party safeguards for each. Most challenger banks cannot evidence it.
What DEFONEOS does. Substrate-as-meta-substrate: SIGIL each third-party integration, auto-generate DORA Art 21 exit plans, audit-trail each change, BFT ratifies each new integration.
| Decision | Question | DEFONEOS answer | Evidence |
|---|---|---|---|
| DATA | Sovereign data residency? | UK M4 Mac + GCP UK only. No foreign cloud. | /defoneos-sovereignty · DORA Art 21(8) |
| DORA | Critical-third-party safeguards? | SIGIL each integration, BFT ratify, exit-plan scaffold | /defoneos-market-surveillance · DORA Art 21 §3 |
| MODEL RISK | SR 11-7 model risk mapped? | OSCAL attestor publishes lineage, validation, surveillance | /api/oscal · SR 11-7 |
| SYSC | SYSC 15.3 / 16A documented? | Article 14 oversight + 9 layers + Article 17 QMS | /defoneos-system-card |
| RECORDS | Audit trail for FCA / PRA? | Ed25519 SIGIL chain + OSCAL attestor | /defoneos-record-keeping |
| EU AI Act | High-risk AI compliance? | Full 18-article evidence pack | /defoneos-system-card |
236 frameworks cross-walked. Each has its own evidence page with citations to relevant articles, controls, and clauses.
Free 30-day sandbox. Pre-baked DORA Art 21 exit plans. FCA SYSC oversight mapping. UK-sovereign compute. Reply within 24h.