Pre-seed · Researching · 2026

Every law.
Zero exposure.

Every AI agent and every employee at your company is already making legally binding decisions on your behalf. SecondZero is the compliance layer that verifies each one against 180+ regulations — before it ever reaches a customer.

180+ Frameworks
API Zero stack changes
secondzero / compliance pipeline
Input AI agents & employees
Support Finance HR
Compliance layer SecondZero
Intercept Verify Correct
Output Verified response
Auditable Logged Safe
GDPREU AI ActMiFID IIAMLD6FATF R.20KSchGEU Reg 261/2004ECOADSAPSD2Basel IIISolvency IIBetrVGDORANIS2 GDPREU AI ActMiFID IIAMLD6FATF R.20KSchGEU Reg 261/2004ECOADSAPSD2Basel IIISolvency IIBetrVGDORANIS2
The stakes

One wrong answer can cost more than an entire quarter of revenue.

Regulators don't distinguish between a human and a model. The company is always liable. And the decisions are already being made — thousands per day, almost none of them reviewed.

01 · Max fine €30M Per violation, EU AI Act
Or 6% of global revenue — whichever is higher.
02 · Liability 100% On the company. Always.
Not the model provider. Not the employee.
03 · Scale 10k+ Decisions per day
Impossible to manually review at volume.
04 · Speed <50ms Intercept latency per decision
Fast enough to sit in front of any production stack.
Why now

Compliance is becoming real-time infrastructure.

Three forces are colliding at the same moment — across every industry, in every jurisdiction. The companies that move first will be the only ones left standing with clean books.

Regulatory milestones
2018 GDPR activates globally
2020 Regulatory volume accelerates
2024 250+ major new laws worldwide
2026 — today Real-time compliance expected
2027+ Continuous verification standard
01 — Volume

Regulations are multiplying everywhere

Every jurisdiction now produces thousands of updates per year. No compliance team, legal department, or audit firm can keep pace manually.

Annual review → Continuous
02 — Speed

Every decision is already live

Customers, employees, and systems make millions of legally binding decisions per day. Post-hoc review catches violations after the fine is already issued.

After the fact → Before impact
03 — Liability

The company is always the liable party

Regulators don't care if a human or a system generated the violation. Every response, every email, every document — the company signs for all of it.

Shared → Yours alone
Live demo

Watch a violation get caught in real time.

Pick a scenario. Play the customer. Watch a non-compliant response get intercepted and rewritten before it ships — powered by the live SecondZero engine.

01Customer
02Agent
03Intercept
04Corrected
GDPR · Art.17 I want to delete my personal data Retail banking · Right to erasure
EU 261/2004 My flight was cancelled, I need a refund Airline · Passenger compensation
ECOA · Fair Lending Why was my loan application rejected? Consumer lending · Adverse action
AI
Monitored by SecondZero
Failure modes

Five ways your company is leaking liability right now.

Each of these is a real violation pattern we've observed in production AI systems. Each one carries fines that exceed most startups' entire runway.

GDPR · Art.17

Customer requests data deletion. The agent starts the wrong process.

Identity validated, the right-to-erasure obligation identified, and the request routed through your DPO workflow before execution — not after the complaint arrives.

Protected
AMLD6 · FATF R.20

AI approves a €147K transfer matching four AML typologies.

Pattern detected before execution. Response halted. Escalated to human review with the full regulatory rationale attached — automatically.

Blocked
EU CRD · Art.9

Support agent denies the customer's 14-day right of withdrawal.

Statutory right detected and enforced. Response rewritten to honor the refund — before the customer escalates or files a complaint with the regulator.

Compliant
MiFID II · Art.25

Investment AI recommends a high-risk product to a low-risk customer.

Suitability mismatch flagged. Recommendation blocked. Audit log written — before the customer ever sees the output.

Flagged
EU AI Act · Title III

Fintech deploys credit-scoring AI without required documentation.

Pre-deployment audit identifies critical gaps. Remediation roadmap delivered — preventing a deployment ban and the €30M fine that comes with it.

In review
How it works

Three steps. Zero gaps.

No migration. No retraining. No new infrastructure. SecondZero sits in front of your existing stack as a single API call.

01

Connect

One API call wraps your existing agents and employee tools. No stack changes, no migration, no retraining. Up and running in a day.

02

Verify

Every response is checked against 180+ live regulations and your internal policies in under 50ms. Faster than a human can read the output.

03

Protect

Violations blocked or automatically rewritten into compliant responses. Everything logged, timestamped, and audit-ready — on the first day.

Market

Every company. Every industry. Every decision.

TAM · Global $300B+ Global compliance, risk & regulatory spend across all industries
SAM · Addressable $60B+ Compliance, GRC & regulatory software — every industry, every geography
SOM · Initial wedge $5B Real-time verification layer — the category we create

Every company makes compliance decisions every day. Banks, hospitals, insurers, retailers, utilities, governments — the work is the same: verify that what's being said, sent, or signed is legal. Today it's done manually, too slowly, at massive cost. We're replacing that with real-time infrastructure. If a company has customers, it's a customer.

Banking & finance
Insurance
Healthcare
Legal & professional
Energy & utilities
Telecom & SaaS
Retail & consumer
Government & public
The vision · Pre-seed 2026

In five years, every major company will run on a real-time compliance layer. We're building it.