Ledgard records every model and agent decision inside your own perimeter — sealed, hash-chained and ready for the regulator. The annual audit becomes one query.
Banks are putting AI into decisions regulators care about — faster than they can prove it.
The decision is a black box. When an AI declines a loan or flags a transaction, the log says “declined, 0.91” — not who, on what data, under which policy.
Evidence takes weeks. When an examiner asks, teams stitch it together by hand from five to ten disconnected systems.
The data can’t leave. Cloud governance tools are ruled out, because regulated data has to stay inside the country.
Ledgard plugs into your existing systems and observes every AI model and agent call. No re-architecture, nothing missed.
→Each call becomes a compliance record: inputs, model and version, sources, human-in-the-loop, policy applied, verdict.
→Records are hash-chained and written to tamper-evident, WORM-backed storage — inside your perimeter. Alter one, the chain breaks.
→Generate examiner-ready evidence on demand, mapped to your obligations. The audit becomes a single query.
Ledgard runs entirely on your own infrastructure, in-country. No decision, prompt or record is sent to a vendor cloud — which is what Gulf regulators require, not a feature we had to argue for.
AI is moving into credit, AML and fraud decisions — and Gulf regulators now expect banks to prove and retain how each one was made. Most can’t yet. Ledgard is built for exactly that moment.
We’re working with a small number of design-partner banks in the UAE. If that’s you, or you invest where regulation meets AI, let’s talk.