AI Risk Model for Islamic Finance
PII stays on-premise.Every citation is verifiable.
When your examiner asks what AI risk model you use, Ali gives a specific answer: nine platform controls active from day one, enterprise certifications (SOC 2, ISO 27001, GDPR, DORA), and four ready-to-submit templates for your Shariah Board and QCB.
Early access preview
How Ali Compares
Enterprise AI products handle infrastructure security. Ali handles the governance layer that regulators actually examine.
Certifications and Capabilities
| Certification | Claude Enterprise | ChatGPT Enterprise | Ali |
|---|---|---|---|
| SOC 2 Type II | |||
| ISO 27001:2022 | |||
| ISO/IEC 42001:2023 (AI) | Platform controls aligned | ||
| GDPR Compliance | |||
| DORA Compliance | |||
| ISO 27017 (Cloud) | Field-level data control | ||
| ISO 27018 (PII in Cloud) | PII stays on-premise | ||
| Hedera DLT Audit Trail | |||
| BBS+ Selective Disclosure | |||
| AAOIFI Source Attribution | |||
| QCB Data Residency | |||
| HITL Protocol Enforcement |
Platform Controls Architecturally Enforced
Banks cannot satisfy examiners by pointing to a vendor SOC 2 report. These gaps are where Ali creates value.
| Capability | Claude / ChatGPT Enterprise | Ali |
|---|---|---|
| Model Risk Management | Not provided | Full SR 11-7 lifecycle: model registry, validation workflows, drift monitoring, documentation |
| Explainability | Limited / internal only | Source-attributed responses with verifiable citations to specific standard and clause |
| Audit Evidence | Basic API logs (7-30 days) | Permanent, regulator-ready proof packs with cryptographic proof chain on Hedera |
| Cross-Regulation Mapping | Not their scope | 17+ framework crosswalk with 1,500+ controls and confidence-scored edges |
| Human Override Documentation | Not provided | Protocol-level HITL with cryptographically signed approval records |
| Data Sovereignty | Via cloud partners / 10 regions | QCB-compliant on-soil storage + BBS+ cross-border mechanism for analytical data only |
Built into the Platform
These are architectural properties, not configuration options. When you use Ali, these nine controls are active from day one. No setup, no policy documents, no additional cost.
Regulator-Ready Proof Packs
Every document action generates six compliance artifacts. These are not reports you compile after the fact. They are cryptographic evidence generated at the point of processing, each passing a 7-point verification checklist before finalization.
AI data processing terms generated by ZeroH.
AI-assisted privacy risk assessment per Art 10.
Field-by-field A/B/C classification with rationale.
Auto-generated from data classification analysis.
Risk evaluation per QCB AI Guideline requirements.
Draft autonomous AI processing approval for QCB submission.
Regulatory Compliance Matrix
Each regulation maps to a specific proof pack artifact as evidence. Hover regulation codes for full text.
| Regulation | Requirement | Status | Evidence |
|---|---|---|---|
| DH Art 6.1 | Data Classification | SATISFIED | Data Classification Report |
| DH Art 7.6 | Qatar Data Residency | SATISFIED | ROPA Entry |
| DH Art 10 | Privacy Impact Assessment | SATISFIED | Privacy Impact Assessment |
| DH Art 13.4 | AI Processing Assessment | SATISFIED | AI System Risk Assessment |
| CC Art 21.4 | Processing in Qatar | SATISFIED | Data Processing Agreement |
| CC Art 20 | Key Management & Audit | SATISFIED | QCB Approval Request |
| AI Art 1 | AI System Register | SATISFIED | AI System Risk Assessment |
Four Things Only You Can Do
We handle the technical controls. Your AI provider handles infrastructure security. But these four steps require your authority. We provide ready-to-submit templates for each one, pre-filled with your deployment details.
Frequently asked questions
Documents are processed locally through a four-step workflow before anything reaches the cloud. Fields are classified into Category A (Protected PII, blocked), Category B (Sensitive, blocked), and Category C (Non-sensitive, allowed) per QCB Article 6. Protected and sensitive fields are cryptographically redacted using BBS+ signatures. Unlike text redaction, which can be reversed, cryptographic proofs are mathematically irreversible. Only the redacted version leaves your infrastructure. Your DPO approves each upload via a human-in-the-loop checkpoint.
Ali holds SOC 2 Type II, ISO 27001, GDPR compliance, and DORA compliance. The underlying AI model provider (Anthropic) adds ISO/IEC 42001:2023 (the AI management system standard), its own SOC 2 Type II and ISO 27001, and HIPAA BAA availability. Combined with platform-level controls (Hedera audit trail, BBS+ selective disclosure, HITL protocol enforcement), this provides a layered compliance posture.
Yes. This is the first of four steps your institution must take. The Shariah Supervisory Board must issue a formal resolution on AI permissibility for compliance advisory use. We provide a draft resolution template with pre-filled Shariah reasoning, conditions for valid use, required human review points, and precedent citations from contemporary fiqh scholarship on technology in Islamic finance.
Every Ali response includes structured citations to the specific AAOIFI standard, clause number, and version. These citations are verifiable against the source documents. Ali draws from a curated corpus of AAOIFI standards, QCB regulations, and regulatory frameworks. It operates as a compliance advisory tool. Final Shariah rulings remain the exclusive authority of your Shariah Board.
Each AI-assisted decision produces a Digital Receipt containing inputs considered, model version, outputs generated, confidence scores, human override records, and disclosure scope. These receipts are anchored to Hedera Hashgraph for tamper-proof timestamping. Regulators can independently verify any decision without relying on your institution or on ZeroH to provide the evidence.
Raw personal data stays on your infrastructure. Only BBS+ cryptographically redacted versions cross boundaries for analytical processing. A structured compliance graph maps controls across 17 regulatory frameworks including QCB, AAOIFI, NIST 800-53, ISO 27001, EU AI Act, GDPR, GLBA, and DORA. Each cross-border data flow is documented in a proof pack with six artifacts: DPA, PIA, DCR, ROPA, AISRA, and Qatar Adequacy Report.
Join the Ask Ali Beta
A verifiable AI risk model for Islamic finance. Source-attributed responses, cryptographic data protection, and examiner-ready evidence from day one.
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Beta launching Q2 2026.
Free 81-Point Compliance Checklist
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SOC 2 Type II
ISO 27001
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