EU AI Act deadline:    — companies using AI for loans, insurance & fraud detection must comply or face fines up to €30M.  Get compliant now →
EU AI Act · OJK · MAS FEAT · VARA Compliance

Every AI decision.
Accountable.
Forever.

Tamper-proof audit infrastructure for banks, fintechs, and insurers using AI to make consequential decisions.

Get your API key See how it works
Aug. 2026 · EU AI Act deadline
✓
SHA-256 tamper-proof chain
✓
4 jurisdiction modules live
✓
30-minute integration
✓
AI explanation per decision
✓
Beta free — no credit card
✓
Regulation text mapped article by article
The problem

AI makes millions of decisions.
None of them are provable.

01

No explanation

When an AI denies a loan or flags a transaction, neither the company nor the customer can explain why — in a way that satisfies a regulator or stands up in court.

02

No audit trail

AI decisions live in databases that can be edited. There is no tamper-proof record of what was decided, when, by which model, and with what confidence.

03

Regulators are arriving

The EU AI Act, Singapore MAS FEAT, Indonesia OJK, and UAE VARA all mandate explainable, auditable AI decisions. The deadline is August 2026. Most companies have nothing.

04

AIDAL solves all three

One API call logs every decision with a cryptographic proof, an AI-generated explanation, and automatic compliance checking. Regulators verify everything in seconds.

How it works

One line of code.
Full compliance.

01.

Get your API key instantly

Sign up below with your company name and email. Your unique aidal_live_xxxx key is generated in seconds — no waiting, no manual approval.

02.

Send decisions after your model runs

After your AI makes a decision, send it to AIDAL via one API call. Any language, any model, any cloud provider.

03.

We lock it and check compliance

AIDAL cryptographically hashes the decision, chains it to all previous records, generates a plain-English explanation, and checks it against your regulator's requirements — automatically.

04.

Audit anytime. Download the PDF.

Open your dashboard. Download a regulator-ready compliance PDF in one click. Hand it to MAS, OJK, or the EU auditor. Done.

# 1. Get your key (once)
POST /signup
→ "api_key": "aidal_live_xxxx"

# 2. Log every AI decision
requests.post("https://aidal-production.up.railway.app/decision",
  headers={"Authorization": "Bearer aidal_live_xxxx"},
  json={
    "decision_type": "loan_approval",
    "model_used": "xgboost-v2",
    "input_features": applicant_data,
    "output": model_result,
    "jurisdiction": "SG"
  })

# Response — instant
{
  "audit_id": "aud_a7f3c9b2...",
  "explanation": "Loan approved based on...",
  "compliance": {
    "status": "COMPLIANT",
    "regulator": "MAS FEAT Singapore"
  }
}
Jurisdiction modules

Built for your
specific regulator.

Pass your jurisdiction code and AIDAL automatically checks compliance, flags missing fields, and tells you exactly what your regulator requires.

ID

OJK Indonesia

POJK No. 11/POJK.03/2022. AI decisions in financial services must be explainable and retained for 5 years.

5 yr retention
SG

MAS FEAT Singapore

Fairness, Ethics, Accountability, Transparency. All financial AI must be auditable and explainable.

5 yr retention
EU

EU AI Act

Articles 9–17. Automatic logging mandatory. Plain-language explanations required. Fines up to €30M.

10 yr retention
UAE

VARA UAE

Virtual Assets Regulatory Authority. AI decisions for crypto and fintech must be risk-classified and auditable.

7 yr retention
Why AIDAL

Cheaper, faster,
already built.

30

Minutes to integrate

One API call. Any language. IBM OpenPages takes 6 months and $50k. AIDAL takes 30 minutes and $299/month.

4

Jurisdictions auto-checked

OJK, MAS FEAT, EU AI Act, VARA — every decision is checked against the right rules automatically. No manual compliance work.

88

Days until EU AI Act

The deadline is August 2026. AIDAL is live now. Your competitors are still planning. This is your window.

Who uses AIDAL

Built for anyone
using AI to make decisions.

Fintech & lending

Credit decisions, loan approvals, risk scoring. Every decision logged, every rejection explainable. OJK, MAS, and EU compliant out of the box.

Insurance

Claims approval and denial, underwriting decisions, fraud flagging. Full audit trail that satisfies regulators and silences customer complaints.

HR & hiring platforms

AI screening and ranking decisions. The EU AI Act classifies these as high-risk. AIDAL makes every hiring decision contestable and provable.

Aug 2026.
EU AI Act — high-risk AI deadline

Every company using AI for credit, insurance, healthcare, employment, or critical infrastructure must have audit trails, explainability, and contestation mechanisms in place. Non-compliance: fines up to €30M or 6% of global revenue.

Get your API key now
FAQ

Questions we get
before people sign up.

No, AIDAL is not a law firm and does not provide legal advice. AIDAL provides technical audit infrastructure — tamper-proof logs, cryptographic proofs, and automatic compliance field-checking based on the actual regulation text. Whether your specific implementation fully satisfies your regulator is a legal question you should confirm with a licensed compliance lawyer. That said, AIDAL is built directly from the regulation documents: POJK No. 11, MAS FEAT Principles, EU AI Act Articles 9–17, and VARA 2024 — not from summaries or interpretations.
No. Every day AIDAL publishes a master hash of all decisions to a public GitHub repository that is independent of AIDAL's servers. Even if AIDAL disappears tomorrow, your audit records can be cryptographically verified against that public anchor forever. Your data does not live or die with us — that's the point of the hash chain architecture.
AIDAL is currently in open beta. We are onboarding our first customers now — fintechs and lending platforms in Southeast Asia and the EU. Beta access is free with no commitment. If you want to be among the first to integrate before the EU AI Act deadline, sign up now.
Your internal database can be edited, deleted, or compromised — and a regulator knows this. AIDAL's SHA-256 hash chain means any tampering with any record is mathematically detectable. It also adds three things your database almost certainly doesn't have: plain-English AI explanations per decision (EU AI Act Article 13), automatic jurisdiction compliance checking (Article 9–17), and a downloadable PDF formatted for regulator submission. Your database stores data. AIDAL makes it provable.
For a developer who has already read this page: under 30 minutes. You add one API call after your model runs. That's it. There's no SDK to install, no infrastructure to set up, no configuration files. The API accepts JSON, returns JSON, and your first decision is logged and verified before your coffee goes cold. See the full API docs →
AIDAL stores whatever you send. You control what goes into the payload. For most use cases, you send model inputs and outputs — credit score bands, decision outcomes, confidence scores — not raw PII like full names or IC numbers. You can anonymise or hash sensitive fields before sending them to AIDAL. The compliance requirement is that the decision is auditable, not that it contains every customer detail.
If you are making AI decisions that touch customers or money, regulation is coming — the only question is when. Retrofitting an audit trail after a regulator asks for it is significantly harder and more expensive than plugging in now. Beta is free. The cost of starting today is zero. The cost of scrambling in 88 days is not.
Regulatory research

Built from the
actual regulation text.

Every jurisdiction module in AIDAL was built by reading the regulation documents directly — POJK No. 11, MAS FEAT Principles, EU AI Act Articles 9–17, and VARA 2024 — and translating them into machine-checkable rules that run on every decision automatically.

We are seeking formal legal opinions from licensed compliance lawyers in Singapore and Indonesia to independently verify our modules. This is the same process any serious compliance tool goes through.

Are you a compliance lawyer or consultant with MAS FEAT or OJK expertise?
We'd like to speak with you →

MAS FEAT — Singapore

Legal review pending

Checks Fairness, Ethics, Accountability, and Transparency fields on every decision. Built from MAS FEAT Principles document, section by section.

OJK — Indonesia

Legal review pending

Enforces POJK No. 11/POJK.03/2022 required fields and 5-year retention rules. Built directly from the regulation text.

EU AI Act

Articles 9–17 mapped

Article 12 automatic logging and Article 13 plain-language explanations implemented and checked on every decision. Article 14 human oversight tracking live.

VARA — UAE

Framework mapped

VARA 2024 AI & Technology Governance Framework requirements implemented, including risk classification and audit record fields.

Pricing

Start free.
Scale when you're ready.

Free $0 forever · 1,000 decisions/month
  • Full API access
  • AI-generated explanations
  • Tamper-proof audit log
  • 4 jurisdiction modules
  • Public verify page
Starter $299 per month · 50,000 decisions
  • Everything in Free
  • Compliance dashboard
  • Human oversight tracking
  • Model registry
  • Email support
Professional $2,500 per month · 500,000 decisions
  • Everything in Starter
  • Regulator-ready PDF reports
  • Fairness detection
  • Incident reporting
  • Priority support + SLA
Enterprise Custom unlimited · SLA · white-label
  • Everything in Professional
  • White-label deployment
  • On-premise option
  • Custom jurisdiction modules
  • SOC2 roadmap + dedicated team
Contact us
All plans include the SHA-256 tamper-proof chain, cryptographic verification, and public audit trail.  ·  No credit card required to start.  ·  Need help choosing? Email us.
Independent verification

Anyone can verify.
No account needed.

Every AI decision logged in AIDAL can be independently verified by anyone — regulators, auditors, customers, or courts. Paste an audit ID and get cryptographic proof the record is untampered. No login. No API key. No asking AIDAL for permission.

Every day, AIDAL also publishes a master hash of all decisions to a public GitHub repository — a permanent, independently verifiable record that exists even if AIDAL shuts down.

Verify a record → View anchor log →
✓ How it works
Company gives regulator an audit ID. Regulator pastes it into the verify page. AIDAL recomputes the hash and shows green or red. No sensitive data is ever revealed.
✓ Daily anchor log
Every 24 hours AIDAL publishes a master hash of all decisions to GitHub. This record is permanent and publicly verifiable — even if AIDAL's servers go offline.
✓ Why this matters
AWS and Azure cannot do this. They are centralized — you have to trust them. AIDAL's proof exists independently of AIDAL. That is a fundamentally different level of trust.
Get started free

Your API key.
In 10 seconds.

Enter your details below and get your unique API key instantly. No credit card. No manual approval. Start logging decisions immediately.