RBI FREE-AI implementation notes — 26 recommendations to file paths
Every one of the 26 RBI FREE-AI recommendations, mapped to a specific file in a working multi-agent platform. What's ✅ done, what's 🟡 partial, what's ⚪ honest gap.
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Every one of the 26 RBI FREE-AI recommendations, mapped to a specific file in a working multi-agent platform. What's ✅ done, what's 🟡 partial, what's ⚪ honest gap.
UPI, IMPS, NEFT, RTGS — which rail to use depends on amount, urgency, window, success-rate history. A deterministic chooser with a HITL gate above ₹2 lakh.
A tiny CEL-style DSL plus a board-approved YAML file. The risk team adds a governance rule by editing a config file; engineering ships the rule by restarting the service.
PAN check-digit validation, Aadhaar offline KYC, DigiLocker, PEP/sanctions — all in Go code, not in a prompt. The LLM's job is to translate the verdict into something a human can read.
An open-banking platform serving UAE and Saudi customers had to honour three overlapping regulators: ADGM (Abu Dhabi), DIFC (Dubai), and SAMA (Saudi central bank). Notes on the architecture that satisfied all three.
UPI is the most popular payment rail in India. The spec is precise. The implementation guides are not. Notes on the integration details that ate weeks the first time.
Two KYC pathways an Indian fintech has to support. The Master Direction (Video KYC, etc.) and Aadhaar Offline KYC. Different speeds, different evidence requirements, different audit shapes.
IAPP's AI Governance Professional certification covers a body of knowledge worth knowing whether you certify or not. The mapping from BOK to working Go code for the engineer who wants to understand AI governance practically.
The bank's board approves an AI policy. The policy exists as a slide deck nobody reads. The risk team's actual operational policy is what's in the code. Closing that gap is the FREE-AI Rec 14 win.