Single command installation. Air‑gap with USB/signed mesh updates. TEE attestation at boot (Intel TDX, AMD SEV‑SNP). Offline‑first with governed reservation payments.
Key capabilities: automatic hardware detection, USB signed updates, concurrent multi‑TEE operation with 72‑hour failover.
DORA Art. 5‑14 · FFIEC IT Handbook
FEAT-F002
Real‑Time Merkle Double‑Entry Ledger
Append‑only, event‑sourced, CQRS‑separated. Balanced debit/credit with Merkle proofs (O(log N) verification). TLA+‑verified Conservation of Value (Σ entries = 0).
Runtime TLA+ model checker, Ed25519‑signed TraceCaps, SCITT‑anchorable.
BCBS 239 · DORA Art. 9‑10 · SOX ITGC
Every transaction is validated against capability tokens, appended with a Merkle proof, and sampled by the Runtime TLA+ Checker.
FEAT-F003
BIAN v14.0 Native Domain Architecture
All 328 BIAN Service Domains as bounded contexts with session‑typed communication. ServiceNow CSDM unified metamodel provides bidirectional traceability.
BIAN Service Landscape 14.0
FEAT-F004
ASL Product Definition Engine
Banking products compile to seedvm bytecode. Compiler enforces regulatory invariants (Reg DD, Reg Z) at compile time—incorrect products cannot compile.
Reg DD · Reg Z · Reg E
FEAT-F005
Capability‑Based Security
PASETO v4 tokens required for every operation. Four‑eyes principle is VM‑enforced. No ambient authority. OWASP Excessive Agency eliminated at kernel level.
Budgeting app requests transaction data; customer authenticates via eIDAS wallet, grants time‑bound access, can revoke later.
FEAT-F026
Delegative Governance Dashboard
Customers set agent boundaries: spending limits, approval thresholds, time windows. Zero standing privilege (Keycard model). Boundary violations queue for approval.
OWASP ASI09 · EU AI Act Art. 50
Customer delegates: keep $2,000 in checking, sweep excess to high‑yield, never drop below $500, auto‑pay bills due in 3 days. Boundaries cryptographically signed.
07 · Seamless Migration & Legacy Integration
FEAT-F027
One‑Click Verity Installer
Single command `verity-install`. Auto‑detects hardware, runs pre‑flight checks, generates config, deploys in shadow mode. Works air‑gapped.
DORA Art. 5‑8 · CIS Benchmarks
Community bank deploys from air‑gapped USB in 4 hours. Green‑light dashboard confirms all subsystems operational.
FEAT-F028
Backup‑File Ingestion Engine with LLM Schema Mapping
Auto‑detects COBOL, DB2, CSV, fixed‑width, PDF statements. Self‑hosted LLM maps to BIAN v14.0 with confidence scoring. Tweezr‑inspired business rule extraction.
BCBS 239 · SOX ITGC
15 years of COBOL data migrated. Engine auto‑generates schema mappings, surfaces low‑confidence fields for review, loads into Merkle ledger.
Five‑phase visual control plane: Discovery → Rule Extraction → Validation → Parallel‑Run → Cutover. Incremental, reversible cutover with one‑click rollback.
BCBS 239 · SOX ITGC
30 days of zero critical mismatches; term deposits cut over first. Full migration in one week, legacy system becomes read‑only.
FEAT-F030
Instant Customer Onboarding Gateway
Same as FEAT‑F022, available from Day 1 of Verity deployment. (Referenced for migration/launch context.)
CIP · eIDAS 2.0 · WCAG 2.2 AAA
FEAT-F031
Legacy Core Migration Toolkit (Claude‑Integrated)
Anthropic Claude Code for COBOL discovery, dependency mapping. 90‑day parallel‑run validation required before cutover. Multi‑LLM retro‑documentation.
BCBS 239 · SOX ITGC
1,200 COBOL programs analyzed. Claude maps dependencies, pipeline generates docs, business rules extracted as ASL products, parallel‑run validation for 90 days.
Vendor‑agnostic, Linux‑based, breaks Windows dependency. Multi‑vendor abstraction (NCR, Diebold, Hyosung, etc.). All ATM functions exposed as MCP tools.
XFS4IoT · PCI PTS 6 · EMVCo
Bank manages 340 ATMs from three vendors in one dashboard. Firmware update deployed fleet‑wide simultaneously.
FEAT-F034
Unified Biometric ATM Authentication
Palm vein, face, or phone biometrics—no card/PIN. KYA identity framework used for both humans and agents. Templates stored in zkVM, not on ATM.
Mastercard CDCVM · PCI PTS 6 · GDPR Art. 9
Customer scans palm, ATM greets by name, offers usual $200 withdrawal. Entire interaction under 20 seconds.
FEAT-F035
ATM Agent Runtime
Each ATM runs a capability‑governed agent. Conversational AI, personalized experiences. Cash dispense limits enforced at VM level.
OWASP ASI03, ASI05, ASI08
Elderly customer says "withdraw money, check balance, pay electricity bill." ATM processes all three in one session, in local language.
FEAT-F036
Instant Card Issuance at the ATM
Lost/swallowed card replacement in under 60 seconds. Biometric verification, time‑bound capability token, immediate virtual card in wallet.
PCI CPoC · EMVCo CPS · Mastercard Digital First
Card swallowed Saturday 10 PM; customer authenticates via palm vein, receives new physical card in 60 seconds, virtual card instantly in app.
FEAT-F037
Precious Metals & Tangible Asset ATM
XRF spectrometer verifies gold purity; instant credit in fiat or tokenized gold. Purchase physical gold/silver bars dispensed from ATM vault. Merkle proof per transaction.
LBMA Responsible Sourcing · FATF Travel Rule
Customer deposits inherited gold jewellery; XRF verifies purity in 30 seconds; fiat amount credited instantly with Merkle proof.
FEAT-F038
Viral Rewards & Instant Gratification Engine
Milestone‑based physical gifts or instant cashback via Lightning. Capability‑budgeted rewards.
Reg E · CFPB UDAAP
100th ATM withdrawal triggers a $5 cashback deposited instantly. Customer shares on social media.
FEAT-F039
Humanitarian & Portable Identity ATM
Refugees access cash via palm/face at any Verity ATM globally. Identity stored in KYA framework, portable across borders. No bank account required.
UNHCR Guidelines · FATF Rec. 16
Refugee registered in Lebanon uses palm scan at German ATM, receives EUR cash from UNHCR wallet.
CLOSED→OPEN→HALF_OPEN state machine. Data validity checks at every handoff. Null/anomalous data triggers clarification, not execution.
OWASP ASI08
Market data feed fails; CascadeGuard flags null response, prompts agent to clarify, averting a $200M flash crash.
FEAT-F046
Kill Switch Protocol
Three tiers: PAUSE, SUSPEND, TERMINATE. Forensic memory snapshot via MemLineage. Capability tokens revoked. Hardware NMI for total override.
OWASP ASI10 · EU AI Act Art. 14
FEAT-F047
Financial Invariants Monitor (FIM)
Watches all agent‑submitted transactions. Verifies no system parameter modified without signed human‑approved policy change. TLA+ verified.
DORA Art. 9‑10 · BCBS 239
FEAT-F048
RAMPART CI/CD Automated Adversarial Testing
Every build attacked by RAMPART (pytest‑native agentic red team). Proteus‑style self‑evolving red team. Novel attacks converted to tests within 24 hours.
OWASP ASI01‑ASI10 · ISO/IEC 27002
10 · Advanced AI/ML Capabilities
FEAT-F049
Federated Learning Mesh (Cross‑Institution)
DSFL secure aggregation (33× latency reduction), FedSurrogate backdoor defense (FPR<10%, ASR<2.1%), FAUN adversarial unlearning. Raw data never leaves bank.
GDPR Art. 46 · DORA Art. 4
Five banks train fraud model with ε=0.5 DP. SMPC aggregation; FedSurrogate filters suspicious update. Combined model outperforms any single bank.
Criminal network laundering across four banks; GNN detects cross‑institution flow, Trilemma identifies cash‑out accounts, SAR generated within seconds.
AML analyst queries self‑hosted LLM for structuring pattern summary; response in <8s with deterministic compliance gating.
FEAT-F052
Differential Privacy Analytics Engine
Formal ε‑DP guarantees. PUT‑Optimal DP Engine computes optimal privacy‑utility trade‑off, issues PUT Certificate. Implements China YD/T 6659‑2026.
ISO/IEC 27559 · GDPR Art. 5 · PIPL
Consortium AML query with PUT‑optimal DP. Result shared with VERIDP ZK‑proof certifying correct DP implementation.
FEAT-F053
PersonaLedger DP Synthetic Data Generation
Profile‑Then‑Simulate paradigm. Generates DP synthetic transaction streams for safe ledger testing without real data.
GDPR Art. 5 · ISO/IEC 27559
10 million synthetic transactions generated (ε=0.1) to validate fraud detection engine before live migration.
FEAT-F054
Federated Ensemble Learning Bridge
Hybrid FL + ensemble methods. Model diversity against non‑IID data. Continuous validation of ensemble diversity metrics.
SITS2026 §4.2 · DORA Art. 4
11 · Quantum Capabilities
FEAT-F055
Quantum Optimisation Accelerator (Two‑Step QAOA)
Two‑step QAOA for portfolio optimization; JPMorgan Max‑k‑Cut formulation surpassing classical SDP at shallow depths (p≤4). Quantum‑accelerated stress testing (DFAST/CCAR).
ISO/IEC 4879 · NIST AI RMF
Treasury rebalances 15‑asset portfolio under Basel III constraints; QAOA returns plan in <30s, Max‑k‑Cut Validator issues quantum advantage certificate.
FEAT-F056
Quantum‑Augmented Consensus (ORCHID)
Bio‑inspired quantum‑augmented consensus for VeriChain. Q‑PnV model with quantum voting, identity auth, and QRNG. Adaptive organic scaling.
NIST FIPS 203/204/205 · ISO/IEC 4879
FEAT-F057
Post‑Quantum Cryptography Migration
FIPS 203/204/205 with ML‑DSA‑44 dual‑signature transition. PQC dependency scanner. Long‑lived data re‑encryption. Dynamic Migration Window enforces liveness condition Δeff ≥ ⌈4(1‑ϵ)f⌉.
NIST FIPS 203/204/205 · DORA Crypto‑Agility
Wire transfer during PQC transition signed with both Ed25519 and ML‑DSA‑44; Dynamic Window confirms liveness; transaction appended.
FEAT-F058
Quantum Vault Token Engine
Unforgeable authentication via no‑cloning theorem. False‑negative <10⁻⁴, attack probability <10⁻¹⁸ for 200‑token bills. Hardware‑agnostic IBMQ benchmark.
Tokenized deposit settlement on Canton Network (JPM Coin, $1.5T cumulative) and ECB Pontes DLT (Q3 2026). Dual‑settlement model. Oraclizer cross‑domain safety+liveness proven in Isabelle/HOL.
IEEE Std 3221.01‑2025 · ISO 20022
EUR→USD cross‑border: euro leg via Pontes (TARGET), USD leg via Canton (JPM Coin). Oraclizer certificate proves atomicity; both legs settle or none.
FEAT-F061
VeriChain Cross‑Domain State Synchronization
Oraclizer combined_safety_liveness theorem (2,348 lines Isabelle/HOL) guarantees unconditional safety+liveness for regulatory state propagation across all domains.
IEEE Std 3221.01‑2025 · DORA Art. 10
FEAT-F062
Multi‑Asset Merkle Ledger Extension
Track fiat, digital assets, tokenized instruments, JPM Coin within the same Merkle ledger. Cross‑currency atomic swaps, FX rate integration, lattice PQ encrypted option.
SITS2026 §4.1 · DORA Art. 9‑10 · ISO/IEC 25010 §4.2
ECB regulator queries VTVP; within seconds receives TLA+ trace validation, Spera certificates, Lean 4 proof, PUT Certificate, and Quantum Advantage Certificate—audit completed remotely.
FEAT-F064
Continuous Assurance Evidence Framework
Automated three‑way reconciliation, real‑time control confidence, unified evidence packages for DORA Register of Information. SEVN model (continuous verification replacing periodic audit).
DORA Art. 28 · SITS2026 §4.1
14 · Conformance Matrix — Standards & Quality Model
Full conformance: DORA, EU AI Act, CFPB ECOA, SOX ITGC, BCBS 239, SWIFT CSCF, PCI DSS 4.0, eIDAS 2.0, NIST AI RMF, FDX API v6.5, PSD2/PSD3, IEC 61508 SIL3, China YD/T 6659‑2026, China PQC Financial Standard, India RBI FREE‑AI, CKYC 2.0, RBI Stricter 2FA.