Trust is not a feature.
It's the foundation.
qalitAI is purpose-built for regulated financial institutions. Every architectural decision, from data handling to model governance, is designed with compliance and auditability at its core.
Vanta Trust Center
Our compliance posture is continuously monitored and independently verified through Vanta. Review our full security documentation, active controls, and audit reports in real time.
View Trust Center ↗Regulatory Standing
qalitAI is deterministic. It applies arithmetic and classification rules to directly observed bank transactions and returns measured facts. It produces no estimate, no probability, and no inference. That single architectural choice is the reason qalitAI sits outside the regulatory frameworks that govern AI in financial services, and it is why the institutions that use qalitAI carry no added compliance burden.
On April 17, 2026, the Federal Reserve, OCC, and FDIC issued SR 26-2, the first revision to United States model risk management guidance in fifteen years. Under SR 26-2, a tool is a model only when it uses quantitative or statistical methods, produces outputs used in consequential decisions, and those outputs involve uncertainty or rely on inputs that are not directly observed. qalitAI meets none of the three. Every figure it returns is the direct arithmetic result of an observed transaction, traceable to its source. qalitAI's deterministic data work is carved out of SR 26-2's model scope. There is no tier for it under the risk-based framework, because it is not a model at all, and there is no model validation or model governance requirement for the institutions that rely on it.
The same line holds in Europe. The European Union AI Act directs its scrutiny, its risk tiers, and its obligations at AI systems that infer, predict, or generate. Deterministic, rule-based computation on directly observed data is not that. qalitAI's method falls outside the risk-tiered obligations the Act places on AI systems, for the same reason it falls outside SR 26-2: it does not infer, it measures. Two of the most significant financial-AI regulatory regimes in the world draw the same line, and qalitAI is on the safe side of both.
This is the forward position, not a backward one. As institutions adopt AI under guidance that is still taking shape, the quality, explainability, and traceability of the underlying data matter more than ever. qalitAI is the deterministic data foundation that work is built on. Every output can be traced to source and explained to an underwriter, a property manager, or an examiner, without a black box in between.