AI is only as useful as
it is trustworthy
Provable regulatory control for complex decisions, ensuring governance compliance
Provable Regulatory Control
Mortgage Conveyancing
Insurance
Wealth Management
FCA Compliance
Legal Compliance
Complex Policy
In the modern financial landscape, meeting standards such as Consumer Duty and the FCA Handbook is no longer just about intent, it is about provable outcomes. For leading wealth managers, lenders, and insurers, the challenge has shifted from simply drafting policies to ensuring every adviser interaction and client file is 100% compliant, current, and audit-ready.
KyoKyo converts legislation, regulatory requirements and internal policies into a version-controlled digital Rulebook. It checks each case against those rules and returns a clear, evidenced Pass, Block or Refer outcome.
Working With UsIn a regulated industry you need systems that can prove
Tracing Evidence Packet
- Intent
Agent requests mortgage rate override
- Policy
MCOB 11.6 affordability rule matched
- Data
Income and exposure figures sourced
- Approval
Named underwriter signed off
- Outcome
Rate override applied within limit
Most firms have logs. Almost none have a single evidence packet linking intent, policy, data, approval, and outcome. The FCA doesn't have to find the problem — you have to prove there isn't one.
Contact GilaguIncreased operating efficiency and reduced resource needs
Kyo helps teams concentrate expert attention on exceptions, rather than manually rechecking every routine case.
A compliance department doesn’t need to spend time checking every case. Kyo will identify those cases that should be blocked or where there is insufficient data or evidence and move them into exception handling.
- Review less
- Focus on exceptions
Compliance Resource
Smaller teams with greater effectiveness
Development Resource
Rules shipped in hours, not months
Can you achieve the new FCA Provision 29?
Conventional compliance software manages the following:
- Regulation
- Policy/control
- Attestation
Provision 29 asks companies to monitor and review their material controls across financial, operational, reporting and compliance areas, and make an annual declaration on whether those controls were effective.
This moves governance further away from simply saying “we have the right controls” towards being able to demonstrate that those controls actually operated and were effective.
Kyo can manage and retain this complete chain:
- Regulation requirement
- Control
- Case
- Execution
- Evidence
- Exception
- Remediation
- Closure
Trust is the foundation everything else rests on.
Every decision Kyo makes is traceable to a policy, a version, and a name. Nothing outsourced, nothing untraceable.