Agents

Definition

IOF Agents (agents.islamicopenfinance.com) is the governed AI copilot layer of the Islamic Open Finance™ platform. It provides 7 domain-specific copilots — Shariah Compliance Copilot, KYC Onboarding Copilot, Operations Copilot, Regulatory Compliance Copilot, Reconciliation Copilot, Risk Copilot, and Governance Copilot — each operating within strict ABAC (Attribute-Based Access Control) policies enforced by Cerbos. All agent decisions are logged to the audit rail, traceable to a specific tenant, user, and timestamp. Agents integrate with the rail-api for live data access and emit structured ISO 20022-compatible events. They are classified under the EU AI Act Annex III as high-risk AI systems and undergo conformity assessment through the EU_AI_ACT rail.

Primary Sources & Standards

• referenceIOF Agents — agents.islamicopenfinance.com
• standardAAOIFI — Governance Standards for AI-Assisted Decisions