---
title: "Banking and payments · Solutions"
description: "QWED Finance recomputes loans, interest, bonds, FX and risk figures with exact maths and checks ISO 20022 and SWIFT messages before money moves."
url: https://qwedai.com/solutions/banking
---

# Recalculate the numbers before money moves.

AI can draft a loan schedule, read a payment message or answer a compliance question. QWED Finance recomputes the figures with exact maths and checks messages against the standards, so a wrong number stops before it reaches a ledger or a customer.

[Contact](https://qwedai.com/contact) [Read the documentation](https://finance.qwedai.com)

What QWED checks here

-   Loans, interest and cash flows
-   KYC and AML rules
-   Payment messages
-   Dates and day counts

With QWED Finance

## In finance, a small error is never small.

Rounding, day counts and message formats are where fluent answers go quietly wrong.

Nobody checked any of it

### Without QWED

-   **Floating-point drift** Ordinary computer arithmetic turns 0.1 + 0.2 into 0.30000000000000004. Across thousands of payments, that adds up.

-   **An unsafe database query** An AI asked for a report writes a query that drops the accounts table or reads customer data it should never see.

-   **A broken payment message** An 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

1.  **Floating-point drift** FinanceVerifier Recomputed exactly, the drifted figure is held.

    VERIFIED · DENY
2.  **An unsafe database query** QueryGuard The query is not read-only, so it never runs.

    BLOCKED · DENY
3.  **A broken payment message** MessageGuard The 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.

## What QWED checks

Each check recalculates or validates one kind of figure or message. They run locally and make no calls to an outside service.

-   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.

## Where it fits

1.  Your AI

    Drafts a loan schedule, answers a compliance question or prepares a payment message.

2.  QWED

    Recomputes every figure exactly and checks the message against ISO 20022 and SWIFT rules.

3.  Your systems

    Only proven figures and valid messages reach your ledger, core system or customer.

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.

## Get started

-   ### [QWED Finance](https://qwedai.com/platform/finance)

    v3.0.1 Beta

    Banking, payments and financial calculations. Also on npm as @qwed-ai/finance, and as a GitHub Action.

    ```
    $ pip install qwed-finance
    ```

### Bringing AI into banking or payments?

Tell us what your AI does and where a mistake would hurt.

[Contact](https://qwedai.com/contact)

## Other fields

-   [Legal](https://qwedai.com/solutions/legal)
-   [Tax](https://qwedai.com/solutions/tax)
-   [Cloud infrastructure](https://qwedai.com/solutions/cloud)
-   [AI agents](https://qwedai.com/solutions/ai-agents)
-   [Software delivery](https://qwedai.com/solutions/software-delivery)