Built for the Reality of Regulation

Generic AI predicts plausible words; compliance requires traceable facts. Developed by a former regulator, Prudentia replaces probabilistic guesswork with a deterministic retrieval engine, empowering your expertise with verifiable, hard-linked citations.

Engineered for Regulation

Developed by a former financial regulator with deep expertise in European regulatory policy. Prudentia is engineered to navigate the complexity of the Single Rulebook, cutting through the daily friction of interconnected statutes, technical standards, guidelines, etc.

Deterministic Scoping

Generic AI search tools struggle with cross-contamination. Prudentia actively recognizes explicit regulatory references in your query (e.g., 'Under the CRR...'), automatically restricting its retrieval engine to the exact framework you specify.

European & Sovereign

Engineered for the strict confidentiality requirements of the financial sector. Hosted entirely within European data centers. Your uploaded audit documents and proprietary chat histories are strictly isolated and never used to train external models.

System Architecture

Beyond Naive RAG

Standard Retrieval-Augmented Generation (RAG) relies on pure cosine similarity. In a legal context, this fails: a non-binding supervisory blog post sharing exact keywords with a query will mathematically outrank the actual Level 1 directive.

Prudentia overcomes this limitation through a Multi-Stage Agentic Pipeline. We combine intent parsing, precise regulatory framework scoping, and a deterministic synthesis critic to deliver trustworthy reliability.

Intent Parsing & Framework Scoping

Raw user prompts are pre-processed to resolve coreferences and extract implicit regulatory targets. This enables precise hard metadata scoping at the database level, ensuring the vector search only runs across the legally relevant framework partition.

Double-Pass Citation Verification

Citations in generated outputs are validated against the retrieved context. The system first verifies the exact quotation string match, then triggers a semantic LLM critic to confirm hallucinations haven't stripped the citation of its context.

1. Query Rewrite & Intent

> Input: "Thresholds under CRR?"
> Conversational_Context: "TLAC eligibility"
> target_frameworks: ["CRR"]

2. Hard Metadata Scoping

Doc: CRR_Art_92a

Doc: SRB_MREL_Policy

3. Governed Synthesis

Injecting RULE 1: LEGAL HIERARCHY
"Prioritize Regulations over Guidelines..."
Generating Pydantic JSON schema...

4. Deterministic Critic

Citation string match verified. Semantic hallucination check passed.

The Prudentia Difference

Standard LLMs are statistical engines built for general tasks. Prudentia is a deterministic retrieval system engineered for the rigor of European banking regulation.

Capability	PrudentiaRegulatory Co-Pilot	Generic AI (ChatGPT, etc.)
Answer Generation	Deterministic Synthesis (Grounded Generation) Answers are assembled via rigid context-grounding rules from our curated European Banking Union database.	Probabilistic Generation Generates text based on statistical patterns. Inherently prone to "hallucinating" plausible but factually incorrect statements.
Source Traceability	Text-Verified & Page-Pinpointed Citations Factual claims can be verified against the legal text (e.g., CRR, EBA Guidelines). Users can instantly access the exact source document and page.	Opaque Synthesis Delivers confident answers without verifiable, pinpointed sources. When asked for sources, it often invents dead links or non-existent articles.
Information Currency	Regular Framework Updates Periodically updated against newly published Framework amendments.	Static Training Cut-offs Blind to recent legislative amendments, often log outdated information.
Data Sovereignty	Enterprise Data Isolation Hosted strictly within the EU. Your uploaded internal documents and queries never train our or third party models.	Permissive Data Harvesting Standard Terms of Service often risk exposing sensitive explicit and implicit information about your organisation to third parties.

The Knowledge Base

Prudentia is grounded in the legal taxonomy of the European Banking Union. Our database is continuously updated to reflect the full hierarchy of binding norms and supervisory guidance.

The Foundation

EU Legislation (Level 1 & 2)

Binding Level 1 primary acts (CRR, CRD, BRRD) and all Level 2 delegated/implementing acts (RTS/ITS) that shape the legal framework

Level 3

EBA

Guidelines, Q&As, and reporting instructions (e.g. FINREP/COREP)

Level 3

ESMA

Guidelines, Q&As, technical advice

Level 3

EIOPA

Guidelines, technical advice, Policies

Expectations

ECB

Guidelines, Guides, Manuals, Decisions

Expectations

SRB

Policies, expectations, operational guidance

More Effective

General-purpose LLMs are statistical engines, they predict the next word based on probability. In regulatory compliance, "probable" is a risk.

Prudentia is more effective because it mitigates hallucinations by design. It utilizes semantic vector search to retrieve exact paragraphs from the Official Journal, EBA Guidelines, supervisory policies, etc. before any response.

Regularly IndexedOur database is actively maintained. You are not bound by the static, outdated training cut-offs of standard AI models.
Verifiable TraceabilityFactual claims are hard-linked to their sources. Prudentia points you to the exact document and page, allowing immediate independent verification.

Verifiable Traceability

Institutions shall maintain a minimum leverage ratio buffer of 5.0% during the transitional period...1

Reg-EU-2013-575_CRR-2026.pdf

"...institutions shall maintain a minimum leverage ratio buffer of 5.0% during the transitional..."

Generic AI

Rambling & Imprecise

Prudentia

Precise & Actionable

More Efficient

Efficiency requires context. A generalist AI requires repetitive prompting to act optimally in domain specificity. Prudentia is domain-native.

We hard-coded the strict formatting and analytical approaches required by professionals directly into our architecture. It understands how to synthesize or differentiate regulatory information.

Zero Prompt EngineeringNo need to instruct the AI to "use sources for all statements" or "do not hallucinate." Just ask your question, and the engine executes a multi-step audit chain.
High Signal-to-Noise RatioOff-the-shelf models tend to deliver long, rambling excursions. Prudentia cuts the noise, delivering highly structured, direct answers.

More Secure

In European banking, data privacy and residency are non-negotiable. Utilizing consumer AI products poses risks, often routing sensitive data globally or permitting model training on your inputs.

Prudentia operates on a transparent, tenant-isolated cloud architecture. Your proprietary queries and internal audit documents remain strictly confidential and completely isolated from any foundation model training pipelines.

Ephemeral ProcessingDuring gap analyses, PDF payloads are processed asynchronously in volatile memory and purged instantly. Raw document text is programmatically stripped before persisting chat histories.
EU Data Residency & Zero TrainingCompute nodes and tenant-isolated databases reside exclusively in certified EU data centers. Inference is routed via enterprise-tier APIs, contractually enforcing zero training on your data.

Gateway

Strict JWT Validation

Stateless Compute

EU Region (BE)

Volatile memory PDF parse

os.remove(temp_pdf)

Payload strip: pop("text")

Tenant-Isolated
Storage

Enterprise
API Node

No Training

The Roadmap

Our vision extends beyond search. Here is a glimpse into the next generation of regulatory modules we are actively building.

Coming Next

National Frameworks

The Single Rulebook is only half the truth. We are expanding our indexed database to cover all EU countries, cross-referencing European law directly with the local lex specialis and supervisory expectations of your National Competent Authority.

DEBaFin & BBk

FRACPR

ITBanca d'Italia

ESBdE

NLDNB

ATFMA & OeNB

BENBB

IECBI

EU+ 19 more