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Regulated AI Navigator

Turn an AI use case into its full regulatory footprint — every domain it touches, from AI law and data protection to cyber, product safety and sector rules — with the obligations, the architecture and the evidence you owe, in about two minutes.

Community-curated knowledge graph — every claim carries its citation across law, engineering and governance. Every change traceable →

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Agentic AI under the AI Act

The layered architecture that replaces frontend + database + manual operations, grouped into Engagement (who and what talks to your agents), Capabilities (how they decide and act) and Data (what is kept, and as which kind of record). Each layer carries a specific statutory hook: oversight that is not in the layer where the action happens cannot stop it. The layer taxonomy is adapted from the Al-Risk.ai / Agentico.ai agentic enterprise stack model (2025); the obligations mapping is ours. Everything on this page is assembled from the existing knowledge graph — each layer, threat, pattern and use case links back to the node it came from, so you can audit the claim rather than take it. RAIN does not enforce anything at runtime; it maps which obligation attaches to which execution layer and what evidence that layer owes.

Graph v2.21.0 · 7 execution layers in 3 tiers · 6 agent-specific threats · 12 oversight patterns · 20 agentic use cases profiled

The execution stack

Tier 1 · Engagement

The surfaces where humans and foreign agents meet yours. Transparency, attribution and accessibility duties attach here, at the interface — not in the model.

1

Interfaces

Web, app and voice surfaces, digital wallets, social channels, enterprise collaboration tools and marketplace/discovery APIs. Every one of them needs an AI-interaction notice, machine-readable marking of generated or manipulated output, and a disclosure record that survives the session. Public social surfaces add DSA duties; consumer-facing surfaces add accessibility (European Accessibility Act) and sector conduct rules.

Audience: Customers and the public — the widest audience, so the disclosure duty is at its strictest here.

market examplesLakera · HiddenLayer · Palo Alto Prisma AIRS · Cisco AI Defense and 26 more →
statutory hookArt. 50 — Transparency Dutiessource (as amended) EUR-Lexconvenience mirror — not updated artificialintelligenceact.euAmended by Regulation (EU) 2026/1744. Verified 16 Aug 2026: the popular mirrors have not yet been updated — artificialintelligenceact.eu still serves the unamended 13 June 2024 text with no disclaimer, and the Commission's AI Act Service Desk pages still show pre-omnibus text with a visible omnibus disclaimer. Read the OJ or consolidated text on EUR-Lex.Digital Services Actsource EUR-Lex
2

Third-party agents

Inbound and outbound agent-to-agent interaction: discovery, authentication of the counterparty, mandate and value limits, and a resolvable answer to 'which external principal caused this transaction'. This is where liability allocation stops being theoretical — an external agent acting on your system can flip roles along the value chain.

Audience: Partners and external agents (B2B, B2C, business-to-agent) — the counterparty is a machine, so attribution has to be resolvable from the record alone.

market examplesPillar Security · Lyzr · Astrix Security · Britive and 9 more →

Tier 2 · Capabilities

Controls, orchestration, intelligence and tools: the decision and action machinery, where oversight, robustness and documentation duties bite.

3

Controls

Guardrails, confidence minima, disbursement and margin caps, non-human identity and the fail-safe stop. Breaching a limit halts all sub-agents and reverts to a safe state rather than continuing at degraded confidence; agents hold ephemeral, per-task credentials rather than standing grants.

market examplesPillar Security · Lyzr · Astrix Security · Britive and 18 more →
4

Orchestration

Goal-directed reasoning, tool selection across enterprise APIs, confidence scoring per step, and the human-machine interface with a global halt control. The orchestration policy is a documented design decision, not an implementation detail.

market examplesLangChain / LangGraph · LlamaIndex · Microsoft AutoGen · CrewAI and 21 more →
5

Intelligence

Model routing between small fine-tuned models and frontier models, inference economics, drift monitoring and explanation surfaces. Which model answered which request is part of the technical documentation trail.

market examplesLangChain / LangGraph · LlamaIndex · Microsoft AutoGen · CrewAI and 32 more →
6

Tools

Agents execute inside the corporate perimeter and reach tools over MCP with context scoped to the minimum attributes required. Every action leaves through one schema-validated boundary that rejects out-of-contract calls and records the attempt either way, instead of shipping raw records to third-party endpoints.

Audience: Employees and internal systems — the audience is internal, but the blast radius is production.

market examplesLakera · HiddenLayer · Palo Alto Prisma AIRS · Cisco AI Defense and 10 more →

Tier 3 · Data

Systems of record, including agent memory. What is retained, for how long, in which jurisdiction, and whether it counts as a business record.

7

Systems of record

Databases and lakes, tokenisation, vector and graph stores, file systems, agent-workforce accounting — and agent memory treated as a regulated record rather than a cache, with retention schedules, erasure paths that do not break the audit trail, and jurisdictional placement of both data and control plane.

market examplesSnowflake Cortex · Databricks Unity Catalog · Azure AI Search · Relyance AI and 38 more →

What a governance function has to do about it

  1. Maintain a central inventory of AI use cases and agentic workflows, each catalogued by domain, data dependencies, outcome metric and applicable framework — with a named natural person accountable for each deployment.
  2. Move procurement from per-seat licensing to outcome-aligned, consumption-metered contracts that tie spend to verified results and push evidence duties into the provider contract.
  3. Mandate oversight infrastructure across every execution layer: accessible HMI, anti-automation-bias safeguards, WORM logging, emergency stop and an unbroken attribution chain.
  4. Inventory non-human identities the way you inventory employees: every agent and tool caller has its own identity, a credential lifetime measured in minutes, and an owner who can revoke it — no agent holds a standing credential into production.
  5. Decide explicitly whether your agents' memory is a record. If a supervisor could ask for it, it needs a retention schedule, an export format and a jurisdiction — deciding by default means the storage tier decided for you.

Agent-specific threats

These are the failure modes that only appear once a system acts rather than answers. Open any node to see which controls and patterns in the graph derive from it.

LLM06 Excessive Agency

Over-broad rights/functions of autonomous agents lead to uncontrolled actions.

Lethal Trifecta

Untrusted external input + privileged access + irreversible external actions in one agent: any successful context manipulation becomes a potentially catastrophic incident. Break at least one leg architecturally.

Cascading Multi-Agent Failure

One agent's erroneous intermediate output (hallucination, goal drift from the assigned objective over multi-step plans, poisoned context) propagates unchecked through downstream agents and triggers automated cascade decisions — emergent behavior no single-agent review ever approved, with unclear liability boundaries between agent operators. Grows with orchestration depth (central orchestrator vs decentralized message bus) and autonomy tier.

Deceptive AI Impersonation

A voice or chat agent is perceived as human, or claims capabilities and commitments it cannot honour, breaching transparency and consumer-protection duties.

Agent-to-Agent Impersonation & B2A Fraud

An external agent presents itself as a trusted counterparty (or replays a legitimate counterparty's credentials) and transacts with your agent. Because both sides are machines, the usual human friction is absent: attribution, mandate and liability all have to be resolvable from the interface record alone.

Standing-Credential Compromise of Non-Human Identities

Agents hold long-lived, broadly scoped credentials because that was easiest to ship; a single compromised agent then inherits everything the credential can reach, and the blast radius is the union of all its permissions. The agentic form of excessive agency, expressed in identity rather than in prompts.

Oversight patterns that answer them

MCP Gateway / Proxy

Central chokepoint for agent tool traffic: default-deny tool ACLs (tools/list vs tools/call), schema & argument inspection, credential injection from vault, rate limits, full audit mirror. Regulatory root cause: the base MCP protocol enforces no authentication or authorization at protocol level — Host/Client/Server topology with Tools/Resources/Prompts primitives ships without an identity layer, so a policy-enforcing gateway is not optional hardening but the only place Art. 12/15 duties can be enforced for tool calls.

Agentic Zero Trust

Unique cryptographic identity per agent; short-lived, finely-scoped tokens (OAuth 2.1 + PKCE); On-Behalf-Of flow so an agent can never see more than its triggering user.

Propose-Action Objects

Agents never call target APIs directly: they emit typed proposal objects (endpoint, params, risk estimate, rationale) validated by the governance layer before execution; idempotent execution layer.

Durable Checkpointing (Pause & Resume)

At oversight gates the complete operational state — working memory, conversation history, tool arguments, intermediate artifacts — is serialized into a durable checkpoint (fast KV store for sub-ms lookups, transactional backend as recovery anchor, vector store for semantic caching of past human decisions). On approval the agent deserializes and resumes at the exact step; matched precedents can shortcut re-planning entirely.

Per-Action Autonomy Tiering

Tools tagged read-only / reversible-write / irreversible-write; controls layer routes each action to the matching oversight mode. Mode selection is per action type, never per agent.

Guardian Agents (Runtime Policy Enforcement)

Autonomous supervisory agents outside the supervised agent's reasoning loop: stateful threat engines with graph-based cross-session history (catch multi-turn injection, gradual exfiltration, incremental privilege escalation), event-driven exposure visibility (permission drift, new connectors), and contextual risk correlation into unified issues — interception before execution, not post-hoc logging.

Dual-Gate Validation Pipeline

Input and output validation as two independent gates (MLCommons-hazard-class semantic filters, groundedness checks, structural validators: LLM Guard sub-ms–10 ms, Llama Guard <90 ms, NeMo <50 ms, Guardrails AI 50–200 ms). Latency economics decide the architecture: sequential gate chains add 300–800 ms per agent action; parallel evaluation collapses total added latency to the slowest single check — run independent checks concurrently, reserve sequential ordering for true dependencies.

unverified · verified 2026-08-07open in graph →

Shadow-Mode Execution

Run governance controls in observe-and-score mode before enforcement: the policy engine and guardrails evaluate every agent action and log verdicts without blocking, yielding empirical false-positive/negative rates and calibrated thresholds. De-risks the enforcement cutover, produces baseline evidence for Art. 9 risk estimation, and is the standard migration path when retrofitting controls onto a live workflow.

Human-on-the-Loop Statistical Sampling

For lower-risk batch workflows, agents execute autonomously while auditors review a statistically representative random sample per batch to track accuracy, error classes and drift.

Cognitive Orchestrator

The reasoning and control plane of an agentic workflow: goal decomposition, tool selection across enterprise APIs, confidence scoring per step, and a human-machine interface exposing progress, limitations and a global halt. It is the architectural home of AI Act Art. 14 oversight — oversight that lives only in a downstream UI cannot stop an executing agent.

Local Perimeter Execution (MCP)

Execution agents run inside the corporate perimeter and reach tools through the Model Context Protocol instead of shipping raw records to third-party model endpoints. Context is scoped to the minimum attributes the task needs, which is how data minimisation (GDPR Art. 5(1)(c)) and Art. 25 privacy-by-design survive multi-tool agent orchestration.

Materiality-Threshold Escalation

Autonomy is bounded by pre-configured limits — variance thresholds, disbursement caps, margin floors, confidence minima. Crossing a limit halts execution and routes the case to a named human with the synthesised context, rather than letting the agent proceed at degraded confidence.

Agentic use cases already profiled

Each of these carries a full compliance profile — risk class, triggered regulations, obligations, blueprint and the evidence the deployment owes.

AI Freight Brokerage & Carrier MatchingAI that matches shippers with motor carriers, prices spot/contract freight, dispatches loads and scores carrier and owner-operator performance on behalf of a third-party freight brokerage or digital freight marketplace (not a carrier automating its own fleet).AI Real Estate Transaction Closing & SettlementAI systems that perform title search/examination, generate closing and conveyancing documents (deeds, closing disclosures, settlement statements), and direct escrow/settlement fund disbursement for residential real-estate purchase transactions.AI-Assisted Statutory Financial AuditAI systems that perform or materially assist an external, legally mandated (statutory) audit of a company's financial statements on behalf of an independent auditor — risk assessment, transaction/journal-entry testing, sampling, anomaly detection and evidence evaluation — feeding into the audit opinion the human engagement partner signs and remains responsible for.Algorithmic Portfolio Execution & AdvisoryTrade execution against target parameters, automated conflict-of-interest analysis, generated client advisory communications and full attribution logging of every model inference.Automated Financial Forecasting & Audit TrailsCross-ledger aggregation, scenario simulation and draft financial statement assembly with a reviewable audit trail, presented to finance leadership for sign-off.Autonomous IT Security Remediation AgentAgent that detects and contains incidents by isolating virtual machines, revoking credentials and changing firewall rules without waiting for a human.Autonomous Penetration Testing & AI Red-Team Agents (Offensive Security Services)AI agents that plan and run penetration tests (pentests, pentesting) or red-team exercises against a customer's live systems under a signed statement of work: reconnaissance, vulnerability discovery, exploitation, post-exploitation, evidence capture and reporting, delivered by a security provider as a service or as licensed tooling. Scope limit: technical testing of systems only, with no decision about any person; staff-directed social engineering and physical intrusion are outside this reading, and defensive monitoring and response services are separate profiles.Autonomous Procurement / Ops AgentMulti-agent procurement and contract-negotiation workflow that queries vendor APIs, negotiates terms and executes purchase orders against corporate counterparties.Clinical Imaging Triage & Patient Follow-UpDiagnostic imaging pipelines monitored for critical findings, then follow-up scheduling, lab orders, record updates and draft patient notifications executed in the EHR — held until the supervising physician confirms.Continuous Technical Documentation GenerationCodebase, telemetry and training metadata parsed continuously to auto-generate and maintain Annex IV technical documentation, model cards and change histories for deployed AI systems.Cross-Border Statutory Tax & Wealth FilingERP, custodial and exchange data reconciled across entities and jurisdictions, taxable events categorised, statutory returns drafted and electronically submitted to tax authorities, with variance-triggered human escalation.Developer Code Assistant / Engineering AgentCode generation, review and autonomous engineering agents with filesystem/terminal/API access (CodeBuddy pattern).Dynamic Deal Desk & Quoting EngineCompetitor price detection, margin analysis, proposal generation and direct quote issuance to B2B buyers, bounded by margin guardrails that require manager override.Healthcare Revenue Cycle & Medical Billing AutomationAI that automates the provider-side administrative and financial processing of the healthcare revenue cycle - medical coding (CPT/ICD), claims formatting and submission, denial and appeals management, prior-authorization paperwork drafting and patient scheduling - used by provider billing offices and third-party RCM vendors. Explicitly scoped to administrative processing of care that has been ordered or delivered: not a clinical or diagnostic decision, not the payer's coverage-eligibility adjudication itself, and not scoring of individual patients' creditworthiness or eligibility.Insurance Brokerage & Multi-Carrier Policy Matching AIAI that matches, quotes and binds insurance policies across multiple carriers on behalf of a customer — used by brokers, MGAs and comparison/aggregator platforms — distinct from an insurer pricing its own risk or deciding its own claims.Managed IT & Security Services Provider (MSP/MSSP) AI AgentAI-driven monitoring, patching, ticketing and incident-response agent operated by a third-party managed service or managed security service provider across many client organisations' IT estates under contract, rather than by an organisation remediating only its own network.Perpetual KYC & Customer Risk RatingAgentic continuous customer due diligence: document intelligence, beneficial-ownership resolution, adverse-media screening, dynamic risk re-rating.Procurement Variance & Vendor KPI MonitoringPurchase orders and invoices ingested, price trends analysed, anomalies and contract-term breaches flagged, vendor KPI scorecards maintained and alerts routed to the supply-chain owner.Regulatory Change Management & Policy UpdatingContinuous scanning of regulatory feeds, automated mapping of new statutory duties onto internal policies and SOPs, gap analysis and drafted policy amendments routed to a compliance officer for approval.Trade Lifecycle & Settlement ReconciliationAutomated matching of multi-asset trade confirmations, exception-break identification, failed-trade resolution and cash/securities settlement reconciliation.