Open-source runtime verification for AI, licensed under Apache-2.0.
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    QWED Financev3.0.1

    Exact checks for banking and financial AI.

    Verification middleware for financial calculations and payment messages. It recomputes what an AI produced, from loan schedules to bond yields, and checks messages against ISO 20022 and SWIFT before they move money.

    Read the documentationSource on GitHub

    At a glance

    Version
    3.0.1
    Status on PyPI
    Beta
    Install
    pip install qwed-finance
    Also on
    npm (@qwed-ai/finance) and as a GitHub Action
    Model in the check
    None. Runs locally
    Standards
    ISO 20022, SWIFT MT, IBAN
    Licence
    Apache-2.0

    What it checks

    • FinanceVerifier

      Loans, interest and cash flows

      NPV, IRR, future and present value, monthly payments, amortisation schedules and total interest.

    • ComplianceGuard

      KYC and AML rules

      Checks a compliance decision against the rules with the Z3 solver.

    • MessageGuard

      Payment messages

      ISO 20022 and SWIFT MT messages, with IBAN and BIC checksums.

    • CalendarGuard

      Dates and day counts

      Day-count conventions such as 30/360, Actual/360 and Actual/365, and business days.

    • QueryGuard

      Database queries

      SQL must be read-only, touch only allowed tables and expose no personal data columns.

    • CrossGuard

      Combined checks

      A SWIFT message together with sanctions screening, and SQL together with personal data rules.

    • BondGuard

      Bonds

      Yield to maturity, duration, convexity, accrued interest and dirty price.

    • FXGuard

      Foreign exchange

      Forward and cross rates, swap points, NDF settlement and arbitrage.

    • RiskGuard

      Risk metrics

      VaR, CVaR, beta, Sharpe and Sortino ratios, maximum drawdown and information ratio.

    • DerivativesGuard

      Options

      Black-Scholes prices and the Greeks.

    • ISOGuard

      ISO 20022 schemas

      Messages checked against the ISO 20022 JSON schemas.

    Mistakes it is built to catch

    Nobody checked any of it

    Without QWED Finance

    • Floating-point driftOrdinary computer arithmetic turns 0.1 + 0.2 into 0.30000000000000004. Across thousands of payments, that adds up.
    • An unsafe database queryAn AI asked for a report writes a query that drops the accounts table or reads customer data it should never see.
    • A broken payment messageAn IBAN with a bad checksum or a field that breaks ISO 20022 fails downstream, after the AI said it was fine.

    Each one checked before it is used

    With QWED Finance

    1. Floating-point driftFinanceVerifierRecomputed exactly, the drifted figure is held.
      VERIFIED · DENY
    2. An unsafe database queryQueryGuardThe query is not read-only, so it never runs.
      BLOCKED · DENY
    3. A broken payment messageMessageGuardThe IBAN checksum fails, so the message is held.
      VERIFIED · DENY

    What is proven correct goes through, with a record of why.

    QWED returns the decision; your integration acts on it.

    Get started

    shell
    pip install qwed-finance
    DocumentationRepository PyPI Release history

    Good to know

    • QWED Finance checks figures and messages. It is not a trading platform, a market data feed or a replacement for your risk models.
    • Checks for MiFID II and Basel III are still in progress.
    Use case: Banking and paymentsInterest, fees, loan figures and payment messages recalculated exactly before money moves.

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