High Layer
Compliance infrastructure for multi-jurisdictional finance teams
The law, connected
to the way you work.
Versioned rules, delivered automatically.
Your conditions and processes, connected in the systems you already use.
High Layer
Runtime01THE RULEBOOK
High Layer delivers versioned jurisdictional packs automatically—complete with statutory citations and effective dates. Layer your company policies and SLAs on top, model the diff, and adopt on your schedule.
Selected pack coverage
AUTO-DELIVERED · SOURCE-CITED
Updated evidence requirement
Ready for impact review · You choose when to adopt.
Illustrative assembly · Versions and requirements are examples.
Company overlays remain distinct from the law.
02HOW IT WORKS
When a regulation changes, High Layer's AI reads the change and drafts it as a versioned rule: where it applies, the data it needs, the process steps it changes and every file it affects. Each rule is reviewed before it goes live, and your team adopts it on its own date.
FinCEN · 31 CFR 1010.230 · exceptive relief, 13 Feb 2026
Beneficial owners no longer need to be re-verified at every new account opening.
Knows where each rule applies.
Works out which jurisdiction and company conditions apply from each file's facts.
Agents do the coordination.
Agents handle the requests, follow-ups and copy work between systems, and High Layer reads each outcome from where the work happened.
Learns from your history.
Patterns from past outcomes anticipate the steps a file will need. Rules still decide what's required.
03WHAT IT DOES
High Layer keeps your rulebook current and shows, file by file, what each change asks of your data, your processes and your people.
Run impact analysis on a new rule version before you adopt it: the files it affects, the data it needs and the process steps that change.
US federal sanctions · version 15 compared with version 14 in effect
Status across the book
Upcoming rule versions that affect your book, grouped by effective date, each with its adoption state.
Effective date
Change
Jurisdiction
Adoption state
Next 30 days
Next quarter
Follow each file through your CRM, screening and KYC tools, and see whether every step met its rule and SLA.
Evaluated under rulebook v14 · opened 12 Oct 2026
Day 1
Day 4
Day 7
Day 10
Collect ownersScreen parties
Resolve potential matchVerify identity
Rule checkRule checkSLA metOverdueAutomatic checkEvery file is judged by the rulebook in effect when it opened. Its receipt shows which rules applied, what each step used and where it happened, ready for an examiner to sample.
04ACROSS JURISDICTIONS
A single cross-border file can fall under several regimes at once, each asking for different evidence from a different system. High Layer works out which rules apply to each file, why each one applies, and what data it needs.
BTC-collateralised loan · booked by US and Singapore lending entities · collateral held offshore
05IN THE SYSTEMS YOU ALREADY USE
High Layer lives where your team already does the work. Over API and MCP, it connects versioned rules to your processes and surfaces conditions for your team—or authorised agents. Reviews and approvals stay in your tools; outcomes remain connected to their sources.
High Layer makes no compliance decisions.
High LayerA requirement becomes an action when its conditions are met.
Identify and verify beneficial owners holding 25% or more.
32% ownership
KYC / KYB
* Fictional client.
Illustrative examples only · Not live compliance decisions, legal advice or compliance certification.
06DATA & DEPLOYMENT
The architecture is designed to evaluate facts at their source, without requiring another full customer-record repository. Keep the requirements connected to the evidence while choosing the deployment that fits your institution.
A managed environment for your institution.
An isolated instance for institution-specific requirements.
Evaluation alongside your data, with the rulebook and configuration held by High Layer.
Deployment concepts · Availability and security controls depend on the agreed implementation.
Runtime evaluation does not mean zero storage. Retained information can include rulebooks, configuration, receipts, hashes, results and, where configured, evidence snapshots that may contain or reveal sensitive data. Retention depends on deployment and configuration. The full privacy policy is not yet published.
07FROM RULES TO OPERATIONS
Yes. Layer your company policies, SLAs and process requirements alongside subscribed regulatory packs, with their own effective dates. Your standards stay distinct from the law—and connected in one rulebook.
High Layer delivers versioned updates automatically, with citations and effective dates. Model the impact on your files, data collection and processes before adopting. Your team reviews the change; you never have to draft the regulatory rules.
Your institution does. Review the suggested changes, schedule adoption and apply the chosen version consistently across teams and agents. High Layer is designed to monitor active files for drift against that adopted rulebook.
Keep the rulebook in effect when a file was opened, alongside evaluation receipts and source evidence. Revisit historical decisions and compare approval rates across versions—without assuming a rule change caused the difference.
Bring exceptions, SLAs and slippage into one view across your connected systems. Follow each edge case, its owner and its deadline, and track performance over time. Reviews and approvals stay in the tools your team already uses.
Adopted rules and company overlays define when evidence needs refreshing. High Layer is designed to request updates automatically through your existing tools and check the new evidence against the current rulebook.
Design-partner preview · These are intended capabilities; live integrations and operational features are in development.
BUILD WITH HIGH LAYER
We’re working with a small group of multi-jurisdictional finance and compliance teams. Bring your jurisdictions, your processes and the requirements you want to connect.
Opens your email app · hello@hlr.dev