Q

2.0

๐Ÿฆ  Banking ยท Capital Markets ยท Insurance

Your AI Data Team for Financial Services.

Working alongside your data, risk, and compliance teams.

Six AI agents on a shared semantic layer. Ask. Analyze. Act.

Plain-English requests, routed to reliable execution โ€” across AML monitoring, regulatory reporting, risk analytics, and customer 360. xAQUA sits on your existing core banking, trading, and compliance stack and stores nothing.

70%
Fewer false positives
80%
Faster regulatory reporting
Daysโ†’Hrs
AML investigation cycle
๐Ÿฆ
Ask Cezu · Financial Services & Banking
Plain-English in. Reliable execution out.
Show me suspicious transaction patterns from EU branches last quarter
๐Ÿฆ
Analyzed 2.4M transactions. 847 high-risk patterns match SAR criteria โ€” 23 structuring cases, 12 wire-transfer anomalies. Drafted SAR packets ready for review.
Generate a Basel III capital adequacy report for the board
๐Ÿฆ
CET1 ratio 14.2% (above 10.5% minimum). RWA: $42.3B credit risk. Report formatted for regulator submission. Lineage attached.
The Problem

Your stack is powerful.
But it doesn't work as one system.

Banks run 8โ€“13 disconnected tools across core banking, risk, AML, regulatory, and CRM systems. Each has its own definitions and workflows. That's a Frankenstack โ€” and regulators don't accept it as an excuse.

๐Ÿ—„๏ธ
Siloed Systems

Core banking, trading, CRM, and AML systems each hold partial truth. No shared business definitions across them.

92%
Cite data retrieval delays in compliance work
โš–๏ธ
Regulatory Pressure

Basel III/IV, AML, Dodd-Frank, MiFID II, GDPR, and emerging AI rules โ€” all demand evidence and lineage on demand.

$4.6B
AML enforcement fines globally in 2024
๐ŸŽญ
Crime Stays Ahead

Rule-based monitoring drowns analysts in false positives while sophisticated fraud and laundering networks slip through.

~2%
Of global financial crime ever detected
You don't have a financial services data system. You have a Frankenstack.
How xAQUA Works for Financial Services & Banking

Your Data Stays Where It Lives.
The Intelligence Comes to You.

xAQUA connects to your existing financial services & banking systems and unifies them through a shared semantic layer โ€” without copying or storing a byte.

YOUR DATA SOURCES xAQUA SEMANTIC LAYER BUSINESS OUTCOMES Core Banking Accounts ยท transactions ยท ledgers Trading & Markets Orders ยท positions ยท market data AML / KYC Watchlists ยท sanctions ยท screening Risk Systems Credit ยท market ยท operational CRM & Channels Customer 360 ยท interactions Regulatory Basel ยท CCAR ยท MiFID ยท GDPR x xAQUA ๐Ÿถ Cezu AI concierge โ€” routes intent to right agent ๐Ÿง  Six AI Data Agents Steward ยท Governance ยท Analyst ยท Engineer ยท Scientist ยท BI ๐Ÿ“š Shared Semantic Layer Unified business definitions, metrics, glossary โšก AI Execution Engine GPT-OSS ยท embeddings ยท query planner ๐Ÿ”’ Governance & Trust PII masking ยท audit trail ยท RBAC ยท lineage Compliance Auto-generated regulator-ready reports Fraud & AML Real-time monitoring, fewer false positives Risk Stress tests, VaR, liquidity on demand Customer 360 Unified view across all touchpoints xAQUA stores nothing โ€” your data stays where it lives. The semantic layer makes it conversational.
Your AI Data Team

Six Agents. One Mission.

Each agent is a full-powered application โ€” not a chatbot. They share one semantic layer, so what one agent learns about your data, every other agent knows.

Six AI Agents. One Mission. Your Financial Services & Banking Data Team. Each agent is a full-powered application โ€” and they share one semantic layer. ๐Ÿฆ Financial Services & Banking Shared semantic layer Plain-English in. Reliable execution out. ASK ยท ANALYZE ยท ACT ๐Ÿง  AI Data Steward Your data expert. Ask anything. FOR FINANCIAL SERVICES & BANKING โ€ข Catalog every banking data assetโ€ข Trusted business glossary across LOBs ๐Ÿ›ก๏ธ AI Data Governance Quality. Privacy. Trust. FOR FINANCIAL SERVICES & BANKING โ€ข PII masking ยท audit trail ยท privilege protectionโ€ข Basel ยท CCAR ยท MiFID lineage ๐Ÿ“Š AI Data Analyst Ask. Prepare. Analyze. Act. FOR FINANCIAL SERVICES & BANKING โ€ข Conversational risk & exposure queriesโ€ข Customer 360 self-service analytics ๐Ÿ”ง AI Data Engineer Pipelines from natural language. FOR FINANCIAL SERVICES & BANKING โ€ข Pipelines from core banking + tradingโ€ข Regulatory data prep automation ๐Ÿงช AI Data Scientist Models, predictions, insight. FOR FINANCIAL SERVICES & BANKING โ€ข Fraud / AML detection modelsโ€ข Credit risk ยท PD ยท LGD ยท stress testing ๐Ÿ“ˆ AI BI Specialist Dashboards & narratives. FOR FINANCIAL SERVICES & BANKING โ€ข Board-ready capital adequacy reportsโ€ข Executive dashboards w/ narrative
What You Can Do

Built for Financial Services & Banking.

Real workflows that financial services & banking teams run every day โ€” now conversational, reliable, and fully governed.

๐Ÿ”
KYC / AML Automation

Perpetual KYC, transaction monitoring, and SAR drafting โ€” with full audit trail. Cut false positives by up to 70%.

๐ŸŽฏ
Fraud & Crime Detection

ML-powered anomaly detection across millions of daily transactions. Catch synthetic identities, mule networks, deepfake fraud.

๐Ÿ“‹
Regulatory Reporting

Basel III, CCAR, MiFID II โ€” auto-assembled with lineage. Reduce report cycles from weeks to hours.

๐Ÿ’ณ
Credit Risk Modeling

PD, LGD, EAD modeling on unified portfolio data. Faster scenario analysis and stress testing.

๐Ÿ‘ค
Customer 360ยฐ

Unified profile across deposits, lending, cards, wealth. Enable cross-sell, churn prediction, lifetime value.

๐Ÿ“ˆ
Markets & Surveillance

Best execution analysis, trade reconstruction, market abuse detection across venues.

The Architecture

Sits on Your Stack. Stores Nothing.

xAQUA is the conversational and semantic layer above your existing financial services & banking data platforms โ€” your data never leaves your environment.

๐Ÿ‘ค PLAIN-ENGLISH REQUEST "Show suspicious transaction patterns from EU branches last quarter" x xAQUA Compound AI Data Platform ยท sits on your stack ยท stores nothing ๐Ÿ—ฃ๏ธ Conversational Layer
Cezu ยท 23-route intent classifier ยท plain-English routing
๐Ÿง  Shared Semantic Layer
Unified business definitions, metrics, glossary across agents
โšก AI Execution Engine
Six AI agents ยท query planner ยท text-to-SQL ยท ML pipelines
๐Ÿ”’ Governance & Trust
PII masking ยท RBAC ยท audit ยท lineage ยท tenant isolation
YOUR EXISTING DATA STACK ยท UNCHANGED ยท UNCOPIED ๐Ÿ›๏ธ Core Banking FIS ยท Temenos ยท Jack Henry ๐Ÿ“ˆ Trading Platforms Bloomberg ยท Murex ๐Ÿ›ก๏ธ AML / KYC Actimize ยท NICE ยท Verafin โ˜๏ธ Cloud Warehouse Snowflake ยท Databricks ยท BigQuery ๐Ÿ“Š BI Tools Tableau ยท Power BI ยท Looker ๐Ÿ—ƒ๏ธ Data Lakes S3 ยท ADLS ยท GCS ZERO DATA STORED PLAIN-ENGLISH IN
Built for Regulated Workloads

Compliance by Construction.

Every query is governed. Every action leaves an auditable trail. Every piece of data has lineage. Built for how regulators ask, not how vendors describe.

Basel III / IVAML / KYC (6AMLD)Dodd-FrankMiFID IIGDPR / CCPASR 11-7 Model RiskSOXEU AI Act
Measurable Impact

Outcomes That Compound.

Augment your existing teams. Cut cycle time. Replace disconnected tools. Ship reliable AI in production.

70%
Fewer AML false positives
80%
Faster regulatory reporting
8ร—
ROI in first year (validated)
100%
Audit-ready data lineage

Ready to Augment Your Risk, Compliance, and Data Teams?

See how xAQUA's six AI agents work alongside your existing core banking, trading, and compliance stack โ€” without moving a byte of customer data.