The operating answer for a named PSP model, jurisdiction by jurisdiction
Licensing route, safeguarding, scheme and settlement access, payments-integrity and corridor risk across 14 domains — source-tiered, confidence-labelled, and machine-readable. Built for PSPs, law firms, compliance advisers and investors.
Evidence-gated · How we verify · Disclosurecontent: ai_generated Machine-produced payments regulatory intelligence, not legal, compliance or investment advice. Facts are machine-assembled from cited public sources. Unless marked Verified, individual claims have not each been independently verified by a human reviewer. See methodology.
Fourteen monitored domains
Every cycle reviews all fourteen payments-integrity domains (W1a–W13). W11 AML/CFT intelligence is sourced from Sentinel.gi via cross-monitor feed. Select any module for its standing briefs and live signals.
W11 — AML/CFT & Financial Crime intelligence is sourced from Sentinel.gi, the sister financial-crime monitor. FATF mutual-evaluation updates, sanctions-evasion architecture, travel-rule enforcement and the bank vs non-bank PSP AML supervision gap are published at Sentinel.gi and cross-linked into the WPM corridor (W5) and licensing (W1a) modules where operationally relevant.
Expert-reviewed & in-review jurisdictions (3 reviewed · 0 in review)
Computed automatically at build time from the monitor’s expert-reviewer registry. Any AI-collected update added after an expert’s review cutoff is flagged inline as Pending expert review until next counsel sign-off.
Corridor exposure, scheme-programme proximity, licensing-jurisdiction risk and safeguarding obligations.
Law firms
Enforcement monitoring, asset-recovery intelligence and horizon briefings across all fourteen domains.
Compliance advisers
An intelligence layer embedded in client delivery, horizon scanning and regulatory gap analysis.
Investors & acquirers
Processor integrity signals, ownership opacity and correspondent-banking access risk.
How we use AI, multi-model verification & human oversight
Designed for regulated buyers who require auditability, primary-source provenance, and explicit human accountability — not black-box chatbot summaries. See full methodology and public benchmark.
1. Multi-LLM division of labour
Distinct frontier model families handle specialized stages: search-grounded primary-source discovery, independent cross-model extraction & critique (eliminating single-model hallucination bias), and bounded synthesis strictly over verified atoms. Routing weights and prompt chains remain proprietary IP.
2. Deterministic code gates
Non-AI software enforces schema conformance, HTTP source reachability, verbatim quote-span grounding, and Tri-Date clocks (last_checked, last_published, last_changed). Unverified claims are quarantined into explicit gap states (not_yet_assessed, stale, confirmed_absent).
3. Three-layer human-in-the-loop
(i) Lawyers & engineers design schemas and hard rejection gates; (ii) operators monitor weekly canary sweeps and the public Corrections Ledger; (iii) named local practitioners review and sign Verified records (≤12% per firm, zero pay-to-influence), with machine-reviewed records explicitly labelled.
4. Enterprise privacy & audit
Customer Co-Pilot queries, watchlists, and generated reports are isolated per firm and never used to train models. Corpus ingests only public legal/regulatory instruments under Gibraltar/UK/EU GDPR (Privacy · Licensing). Every claim links to its primary source.
Not legal or compliance advice. World Payments Monitor provides structured intelligence and decision support. It is not legal advice, not a regulated financial promotion, and not a substitute for formal KYC/AML, sanctions screening, transaction monitoring or regulatory reporting. W11 AML/CFT intelligence is provided by Sentinel.gi under a cross-monitor linkage arrangement; the same not-advice boundary applies.
