Every AI action,
governed before it executes.
Control Before Consequence
GRACE is the pre-execution AI enforcement kernel. Every agentic AI action is intercepted, evaluated against policy, and cryptographically sealed before it runs — in any industry, on any platform.
Institution-owned · Examiner-ready · Tamper-evident
“If your regulators ask you tomorrow to provide the name of the individual accountable for the ongoing performance of every AI agent currently running in your institution’s critical business processes — not the committee, not the function, the human — could you answer without making a phone call first?”American Banker · June 1, 2026
AI agents act.
Nothing stops them first.
Every governance tool available reports after the fact. GRACE intercepts each AI action before it executes — the only moment enforcement is possible.
SR 26-2 · Footnote 3 · April 17, 2026
“Generative AI and agentic AI models are novel and rapidly evolving. As such, they are not within the scope of this guidance.”
The Federal Reserve named the gap. GRACE closes it.
2021–2025 · Gallagher Re/MIT
governance · Deloitte 2026
AI agents by 2026 · Gartner
The action comes first
Agentic AI executes in milliseconds. No existing platform intercepts at the individual tool-call level before execution.
The record belongs to the vendor
Vendor audit logs are vendor property. A defensible governance record must be institution-owned and produced before the action executed.
Insurance now excludes GenAI
ISO GenAI exclusions became effective January 1, 2026. Coverage requires demonstrated enforcement infrastructure — not a policy statement.
Every regulated industry.
Every AI agent that acts.
GRACE is not a banking product. It is the enforcement layer wherever an AI agent makes consequential decisions in a regulated environment.
ECOA, fair lending, SR 26-2. Every AI credit recommendation sealed before it reaches decisioning.
SAR disposition, FinCEN accountability. AI-recommended filings sealed before they execute.
HIPAA, prior authorization, clinical decision support. Patient-impacting AI actions governed before execution.
Claims adjudication, coverage decisions. Every AI determination sealed with its policy basis.
CMMC, FIPS 204, air-gapped enforcement. Software-only, zero cloud dependency.
OEM enforcement layer for any platform. The proof layer no platform produces for itself.
“Gartner projects that 40% of enterprise applications will embed task-specific AI agents by the end of 2026, up from less than 5% in 2025. The gap between deployment velocity and governance maturity is where agentic AI risks take root.”Gartner / Strata Agentic AI Risk Report · April 2026
Intercept. Evaluate. Seal.
Before the action executes.
Intercept
The AI agent attempts an action. GRACE intercepts it synchronously. Nothing executes. The agent waits.
Evaluate Against Policy
Authority, thresholds, scope — all verified deterministically against current policy. Median decision: under 50ms.
Assign Enforcement State
One of six states: ALLOW, MODIFY, ABSTAIN, DENY, SHADOW, or OBSERVER. Deterministic — same input always produces the same state.
Seal the Policy Action Packet
Sealed using ML-DSA / FIPS 204 post-quantum cryptography. Tamper-evident. Institution-owned. Examiner-ready from creation.
Deploy in parallel. No vendor notification. No integration change. Zero operational impact. PAP archive builds from day one.
“FINRA’s 2026 Annual Regulatory Oversight Report classifies AI agents as a distinct supervisory risk category and recommends institutions implement complete audit trails of all agent actions, and human checkpoints before execution.”FINRA Annual Regulatory Oversight Report · 2026
These are not hypothetical penalties.
Documented FinCEN enforcement figures — public record. Not GRACE customers or endorsers.
of global turnover
For high-risk AI system non-compliance. Covers financial AI: credit scoring, AML, insurance underwriting. 22,000+ EU financial entities in scope.
no longer covers it
Carriers now specifically exclude generative and agentic AI incidents. Coverage requires demonstrated enforcement infrastructure.
“Every agent authentication event, tool invocation, delegation handoff, and policy decision needs to be captured in a format that supports real-time monitoring and compliance audits. Governance for agentic AI must operate at runtime — not as a periodic review.”Strata · Agentic AI Governance · April 2026
Start the right conversation.
Deploy GRACE in your environment
Start in SHADOW mode — zero operational risk, zero vendor notification, full PAP archive from day one.
- SHADOW mode: parallel, no production impact
- Institution-owned PAP records from day one
- SR 26-2, BSA/AML, EU AI Act, HIPAA alignment
- Examiner-ready on activation date
License or acquire the enforcement layer
GRACE defines the pre-execution AI enforcement category. Patent pending — priority date December 2025.
- Outright IP acquisition
- Option-plus-license with milestone triggers
- OEM platform licensing — per-deployment royalty
- Standards body reference implementation