KYC Routing Is a Rules Problem, Not an AI Problem
Risk tiers, document requirements, verification paths — KYC routing is a set of explicit business rules. AI helps extract data, but the routing decision should be versioned, tested, and auditable.
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Business rules, decision automation, and the TIATON runtime.
Risk tiers, document requirements, verification paths — KYC routing is a set of explicit business rules. AI helps extract data, but the routing decision should be versioned, tested, and auditable.
LLMs extract structured data from unstructured input. Rules decide what to do with it. A typed contract between the two layers makes the system testable, auditable, and reproducible.
Distributed workflows can't rely on global transactions. AI agents make this worse — they act fast, across many systems, with no built-in undo. The Saga pattern offers design principles that apply.
Pricing logic, approval thresholds, routing conditions — scattered across code, spreadsheets, and institutional memory. The debt that no dashboard shows.
Intrinsic vs. post-hoc explainability is determined at design time. EU AI Act Article 86, GDPR, and CJEU rulings are making this an engineering constraint, not a policy discussion.
The LLM decides everything or the LLM extracts and rules decide. Two architectures, different audit, compliance, and failure recovery outcomes.
MIT, Gartner, and S&P Global data point to the same pattern: the gap between demo and production kills AI projects. What the 5% that succeed do differently.