Pre-seed · Researching · 2026

Every law.
Zero exposure.

Every AI and every employee already makes legally binding decisions on your behalf. SecondZero verifies each one — against 180+ regulations, before it 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 a quarter of revenue.

Regulators don't distinguish between a human and a model. The company is always liable.

01 · Max fine €30M Per violation
Or 6% of global revenue.
02 · Liability 100% On the company
Not the model. Not the employee.
03 · Scale 10k+ Decisions / day
Impossible to review manually.
04 · Speed <50ms Intercept latency
Fast enough for production.
Why now

Compliance is becoming real-time infrastructure.

Three forces colliding. Every industry. Every jurisdiction.

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

Thousands of updates per year, every jurisdiction. No team keeps pace manually.

Annual → Continuous
02 — Speed

Every decision is already live

Millions of binding decisions per day. Post-hoc review arrives after the fine.

After → Before
03 — Liability

The company always signs

Regulators don't care if a human or model generated it. You own every output.

Shared → Yours alone
Live demo

Watch a violation get caught in real time.

Pick a scenario. Play the customer. Watch it get rewritten before it ships.

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.

Real violation patterns. Each fine exceeds most startups' runway.

GDPR · Art.17

Customer requests data deletion. Agent starts the wrong process.

Identity validated, right-to-erasure routed through DPO workflow — before execution.

Protected
AMLD6 · FATF R.20

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

Pattern detected. Response halted. Escalated with full regulatory rationale.

Blocked
EU CRD · Art.9

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

Statutory right enforced. Response rewritten to honor the refund automatically.

Compliant
MiFID II · Art.25

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

Suitability mismatch flagged. Recommendation blocked. Audit log written.

Flagged
EU AI Act · Title III

Fintech deploys credit-scoring AI without required documentation.

Pre-deployment audit identifies gaps. Remediation roadmap delivered.

In review
How it works

Three steps. Zero gaps.

No migration. No retraining. One API call.

01

Connect

One API wraps your agents and tools. Up and running in a day.

02

Verify

Every response checked against 180+ regulations in under 50ms.

03

Protect

Violations blocked or rewritten. Everything logged and audit-ready.

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.