CLARITY Act · Senate Calendar No. 423 — House-passed 17 July 2025, awaiting Senate floor time. We plan on the regimes that bind today.
What governs nowThe Assurance Operating System for the Global Digital Financial System.
An always-on trust layer for AI, tokenised assets, deposit tokens, stablecoins, CBDCs, digital identity, financial crime, cyber, operational resilience and third-party risk — bound to one live institutional assurance score.
You choose the AI. Cabier orchestrates the trust.
The assurance layer above the rail
Chains settle. Regulators supervise. Cabier assures.
Circle, DTCC, Canton, Kinexys, Euroclear, Nasdaq, the hyperscalers and the frontier labs are all building the rails, the assets and the intelligence of the digital financial system. That work is necessary, and it is not what Cabier does.
Cabier is the independent assurance layer that sits above those rails — the operating system that lets a board, a regulator, an auditor or a sovereign trust what the rail is doing, in production, on a signed and dated basis. That layer is not built by the operators of the rail. By construction, it cannot be.
Continuous Financial Infrastructure Assurance is how that layer runs.
The Assurance Kernel
One kernel. Six applications.
Every Cabier surface is an application running on the same Assurance Kernel — the same ORS, the same Trust Gates, the same Evidence Vault, the same Control-as-Code primitives and the same signed audit IDs. Nothing is bolted on. Nothing is a second source of truth.
AI Oversight Fabric
Open →The oversight layer above every model — OpenAI, Anthropic, Google, Meta, Mistral, DeepSeek, Qwen, Kimi, Pangu, Hunyuan, sovereign and private.
Sovereign AI Governance OS
Open →Model registry, per-jurisdiction policy engine, cross-border AI gateway and AI evidence vault — neutral across national ecosystems.
AI Trust Score
Open →Ten-dimension, evidence-anchored score for every AI system in the estate. Feeds ORS. Model-agnostic.
AI Assurance OS
Open →Model registry, PSI/CSI drift, red-team results, EU AI Act Art. 55 and SR 11-7 evidence — model-agnostic.
Operational Resilience OS
Open →Impact tolerances, severe-but-plausible testing, DORA / OSFI E-21 / PRA SS1/21 evidence, live posture.
Tokenisation Assurance OS
Open →Reserve attestations, redemption SLAs, GENIUS/CLARITY substantial-similarity, MiCA Art. 36 evidence.
Cyber Assurance OS
Open →KEV exposure, patch SLA, SEC 8-K Item 1.05 posture, NIS2 Article 23, OSFI B-10 concentration.
Financial Infrastructure Cyber Command
Open →Supervisory cyber layer across banks, market infrastructure, custodians, stablecoin issuers and tokenisation operators — bound to disclosure clocks.
AI Regulatory Framework OS
Open →Live regulator twin across EU AI Act, SR 11-7, NIST AI RMF, ISO 42001, OSFI E-23, AIDA.
Government Assurance OS
Open →Sovereign-routed control plane for CBDCs, bank supervision, critical infrastructure and financial stability.
The four assurance domains
One kernel. Four domains.
The Assurance Operating System expresses itself across four domains. Two are live platform surfaces today. Two remain advisory-only while the platform surface is in planning — we do not promise what we have not yet built.
Financial Infrastructure Assurance OS
LiveBanks, capital markets, payments, tokenisation, stablecoins, CBDCs — assurance above the rail.
Open →Sovereign AI Governance OS
LiveNeutral, sovereign-routed governance for multi-model AI estates across Western and non-Western ecosystems.
Open →Critical Infrastructure Resilience OS
Roadmap H2 2026Energy, healthcare, transport, telecoms, water, ports and supply chain. Advisory today; platform surface in planning.
Digital Government Assurance OS
Roadmap H2 2026Digital identity, citizen services, government AI and cross-border trust. Advisory today; platform surface in planning.
How CFIA runs
Always on. One score. Signed.
Continuous evaluation
Controls, AI agents, smart contracts, blockchain interactions, cyber events, regulatory change, and operational dependencies are evaluated on a live cadence — not on a quarterly audit rhythm.
One score, live
Every signal contributes to the institution's live Operational Resilience Score (ORS). No parallel spreadsheet. No manual roll-up. Board pack, regulator brief and audit ID are generated from the same evidence set.
Twin against twin
Institution twin is compared continuously to a live regulator twin across the six-capability spine. The delta is the artefact a supervisor sees.
Signed, dated, defensible
Every material change carries a signed audit ID, a dated citation and a named accountable executive. Attestation is human — always.
Who CFIA serves
Both sides of the supervisory table.
Institutions
Banks, insurers, market infrastructure, digital-asset issuers, tokenisation platforms and systemically important operators run CFIA to produce a defensible, live posture across AI, cyber, resilience, financial crime, conduct and tokenisation — on one score, on one evidence set.
Sovereigns & regulators
Central banks, financial regulators and sovereign operators run CFIA as a supervisory technology surface — CBDCs, bank supervision, critical infrastructure, financial stability and cross-border interoperability, in one sovereign-routed control plane.
Guardrails