The compliance record that outlives every bank partnership.
Evidiam is the neutral system of record for BaaS compliance. AI runs the monthly work, your compliance team approves every judgment, and the tamper-evident proof stays yours, portable across every sponsor bank you partner with.
Append-only. Hash-chained. Tenant-isolated. Examiner-ready.
Northwind Financial → First Partner Bank
BSA/AML posture · May 2026
- BSA OfficerM. OkaforJun 03 · 14:22
- Head of ComplianceR. DelgadoJun 04 · 09:10
- CCOS. BauerJun 04 · 16:48
AI runs the work.
Drafts dispositions, narratives, and the monthly packet from your real source data, every period.
Compliance approves the judgments.
Every decision is reviewed and signed by a named officer. The machine prepares; a person decides.
The evidence belongs to you.
An append-only record you own and carry, independent of any single sponsor bank or platform.
When the partnership ends, your evidence is trapped.
A BaaS program runs compliance across spreadsheets, email threads, and a portal that belongs to the sponsor bank. It works, until an exam lands, a partnership unwinds, or you add a second bank.
Then the questions arrive: who decided this, when, and on what basis? The answers are scattered across systems you do not control, and the clock to produce them is measured in days.
examination lookback windows are routine. Your record has to reach back that far, intact and attributable, on demand.
The ground under BaaS compliance just shifted.
Consent orders are hitting BaaS
Regulators now hold programs and their sponsor banks to bank-grade evidence standards. Posture is no longer enough; you have to prove it.
Sponsor banks are consolidating tooling
When the bank owns the compliance tool, the bank owns your record. A neutral party can't run the function and grade it at the same time.
Fintechs are going multi-bank
One program, several sponsors, several rulebooks. The evidence has to be portable and consistent across all of them, not re-keyed per portal.
Ingest. Operate. Prove.
One loop, run every period, against every sponsor bank. The same loop produces the evidence and proves it satisfies the agreement.
- 1
Ingest
Bring in the agreement and the data.
Feed Evidiam the sponsor-bank agreement. AI parses the compliance obligations into a reviewable set, your CCO ratifies them, and that becomes your managed baseline. Source data flows in read-only from your warehouse.
agreement · obligations · source records
- 2
Operate
Run the month with AI, decide with people.
Evidiam drafts OFAC dispositions, SAR-trigger decisions, exception remediation, and the period narrative. Your officers review and sign. Every judgment is attributed and approved before it counts.
drafts · review · sign-off chain
- 3
Prove
Produce evidence that holds up.
One signed packet per bank per period, with coverage proof against every approved obligation and a tamper-evident hash chain. Export the examination binder on demand. The record is yours to keep.
packet · coverage · binder
A bank-owned tool can't be your system of record.
The party that grades your compliance shouldn't also own the only copy of the evidence. When sponsor banks absorb the compliance tooling, the conflict is structural: your proof lives inside the entity examining you, and walks out the door when the partnership does.
Evidiam is deliberately neutral. The record is yours, structured the same way for every bank, and it leaves with you. Independence is the product.
Built for the team that signs the attestation.
Evidiam answers to the BSA Officer, the Head of Compliance, and the CCO. The people whose names go on the record are the people who control it.
- BaaS programs and fintechs running compliance under one or more sponsor banks
- Multi-bank programs that need one consistent, portable evidence standard
- Compliance leaders preparing for exams, audits, or a partnership change
Own the record before you need it.
The best time to own your compliance evidence is before the exam, the audit, or the partnership change. We're onboarding a first set of programs now.