The Architect

Democratic Civic Operating System

Anti-Corruption · Source-Backed · AI-Orchestrated · Public by Default

Live Platform — TechEx Hackathon 2026

Live Product Cockpit

What is now visible in production

Planetary Globe

The homepage now starts with a 3D globe, continent legend, country relief cards, and direct routes into live country and council dashboards.

Evidence Surfaces

Agent Evidence Lab, citizen proof profiles, enterprise evidence, documents, teams, address, open banking, education, patents, and social accounts are visible in the UI.

Critical Readiness

The cockpit shows what is live, guarded, and pending: Didit KYC, OIDC, passkeys, bank callbacks, reviewer queues, sanctions, EUR-Lex, and legal ingestion.

Cockpit Geo governance Agent evidence Compliance

00B

Five Minute Demo Path

What we will show on screen

1. Globe And Login

Start at the live 3D globe, then open Login to show OIDC, Didit hosted KYC, biometric return login, passkeys, and clearly labelled demo eID fallback.

2. Gemini Agent

Ask the assistant to find a company, inspect sources, register it, run financial analysis, and show that ingress and egress are protected by Lobster Trap DPI.

3. Enterprise Trust Profile

Open the enterprise profile and registry list: scores, source facts, financial summaries, country context, open banking evidence, documents, team and public ledger links.

4. Public Oversight

Finish with Transparency, Open Banking, Procurement, Grants, Governance, Monitor, Score Ledger, Whitepaper and Progress so non-technical viewers can see why it matters.

Core line: if an organization is honest, it can publish evidence; if it refuses all evidence, the public should treat that as a risk signal, not a mystery.

The Problem

Why existing systems fail

💸

$2.6T

Annual global cost of corruption

Source: World Bank / UNODC

🇪🇺

€4.3B

Annual fraud in EU structural funds alone

Source: EU Anti-Fraud Office (OLAF)

👥

71%

Citizens who believe corruption is widespread

Source: Eurobarometer 2024

Current System Failures

• Audits happen 3-5 years after the fact — money is already gone
• Public procurement relies on personal relationships, not merit
• Company financial data is self-reported with no verification
• Beneficiary ownership is hidden behind shell companies
• Government spending is opaque — citizens can't see where taxes go
• Grant money is disbursed with no real-time monitoring

Our Thesis

The Anhill Theory behind this project says societies collapse when institutions lose a shared public purpose and truth becomes private property. Corruption persists because systems rely on trust instead of verification. The Architect replaces blind trust with transparent evidence — making corruption structurally difficult, not merely punishable.

“A system that relies on good people to stay honest has already failed. A system that makes corruption structurally impossible has succeeded.”

The Solution

AI-powered, bank-verified transparency

🏦

Open Banking

PSD2-compliant read-only bank access. Every transaction monitored. Every beneficiary verified. Revenue matches bank data or gets flagged.

🤖

AI Orchestrator

Google Gemini routes work to registry, score, open-data, financial, document, KYC and DPI tools. It explains results in human language and never invents official facts.

📊

Live Monitoring

Grant spending, procurement contracts, and public funds tracked from disbursement to final expenditure. No more 3-year audits.

⭐

Merit Scoring

5-pillar enterprise scoring. Financial health, governance, transparency, ESG, market reputation — weighted and publicly visible.

Platform Architecture

eIDAS 2.0

Identity

Open Banking

Financial Data

Gemini AI

Intelligence

SHA-256 Chain

Audit Trail

QuantumQub

Reputation

PostgreSQL 16

Data Layer

How It Works

End-to-end workflow

Enterprise Registration

~10 seconds

Company registers via AI assistant or manual form. Gemini searches Companies House, SEC EDGAR, OpenCorporates, Yahoo Finance and Prism context, confirms the match, then writes the source-backed score profile.

Bank Account Connection

~2 minutes

Enterprise connects a bank through the TrueLayer Open Banking connector. Read-only AIS consent records accounts, balances, transactions and beneficiaries when production keys are enabled.

AI Scoring Engine

Real-time

5-pillar scoring: Financial Health (30%), Governance (25%), Transparency (20%), ESG (15%), Market (10%). Score updates in real-time as new data arrives.

Continuous Monitoring

24/7

All transactions monitored against declared purpose. Grant money tracked from source to spend. Procurement contracts monitored for favoritism and kickbacks.

Public Accountability

Always-on

Enterprise profile, scores, financial data, and any flags are publicly visible. Citizens, investors, and regulators can verify everything independently.

Anti-Corruption Engine

What we detect and prevent

💰

Grant Fraud

Personal spending from grant accounts. Double-funding. Ghost employees. Inflated invoices. Circular transactions.

🔍 Real-time via Open Banking

📋

Procurement Corruption

Bid rigging. Kickbacks. Revolving door. Subcontractor chains. Price collusion. Relationship networks.

🔍 Graph analysis + statistical anomaly

🏚️

Shell Companies

No employees. No real activity. Single beneficiary outflows. Hidden ownership structures.

🔍 Transaction pattern + registry cross-ref

🌐

Money Laundering

Structuring. Unusual cross-border flows. Sanctions list matches. PEP connections.

🔍 AMLD6 screening + transaction graph

📉

Tax Evasion

Revenue underreporting. Transfer pricing abuse. Offshore routing. Mismatched bank vs declared income.

🔍 Bank data vs company filings comparison

⭐

Fake Reviews & Reputation

Fraudulent customer reviews, fake employee testimonials, manipulated ESG reports.

🔍 QuantumQub monitor + AI sentiment

Enterprise Scoring

Composite 0-100 merit-based score

Financial Health30%

Revenue, profitability, debt ratio, cash flow. Verified via Open Banking — not self-reported.

Governance & Compliance25%

Directors, tenure, insolvency history, regulatory filings, sanctions checks.

Transparency20%

Bank connected, statements synced, beneficiaries verified, filings on time.

ESG & Sustainability15%

Environmental impact, labor practices, community engagement, diversity.

Market & Reputation10%

Customer reviews (QuantumQub), media sentiment, market position.

Score Tiers

90-100

Exemplary

Full grant eligibility, Tier 1 procurement, featured on leaderboard

70-89

Strong

Standard grant eligibility, all procurement tiers

50-69

Adequate

Limited grants, procurement up to €1M

30-49

Watch

No new grants, enhanced monitoring, improvement plan required

0-29

Critical

Suspended from procurement, grants frozen, investigation

Live Score Example

DEEPMIND TECHNOLOGIES LTD

Registered via AI assistant in 10 seconds

Government Transparency

Two-way accountability

🏛️ Government → Citizens

Government institutions share bank accounts as read-only via Open Banking. Citizens can verify:

→ Where their taxes are spent
→ Which contractors receive public funds
→ Grant disbursement matches approved budgets
→ No off-budget spending or slush funds
→ Civil servant compensation transparency

🏢 Enterprise → Regulators

Enterprises share bank accounts as read-only. Regulators and the public can verify:

→ Revenue matches declared financial statements
→ Grant money spent on declared purposes
→ No hidden beneficiaries or shell transfers
→ Tax obligations properly reported
→ Employee payroll actually paid

Result: Mutual verification. Government proves fair distribution. Enterprises prove honest usage. Both are publicly scored.

Technology Stack

Production-ready, standards-compliant

Frontend

•Next.js 16 (App Router)
•TypeScript strict mode
•Tailwind CSS + Radix UI
•Server-side rendering
•Real-time updates

Backend

•PostgreSQL 16 (69 tables)
•Drizzle ORM
•Node.js API routes
•SHA-256 audit chain
•Rate limiting + DPI

AI Layer

•Google Gemini 2.5 Flash
•Tool orchestration over platform DB
•Lobster Trap ingress/egress DPI
•Registry + PrismAPI integration
•Human-readable evidence summaries

Financial

•PSD2 Open Banking (AIS)
•ISO 20022 messaging
•AMLD6 compliance
•SWIFT/SEPA integration
•Multi-currency support

Identity

•eIDAS 2.0 / SAML 2.0
•World ID issuance
•SHA-256 identity hashing
•PEP/sanctions screening
•Biometric-free privacy

Monitoring

•QuantumQub integration
•Real-time reputation
•Customer review verification
•Employee sentiment
•Media analysis

Market Opportunity

EU GovTech + RegTech

€1.2T

EU public procurement market annually

+4% CAGR

€170B

EU Structural Funds 2021-2027

New MFF cycle

$28B

Global RegTech market by 2028

+18% CAGR

Target Segments

🏛️

Government

EU/national/local bodies. Transparency mandate compliance.

🏢

Enterprises

Companies seeking trust scores for procurement eligibility.

🏦

Financial

Banks, funds, investors using verified company data.

🌍

EU Institutions

OLAF, DG REGIO, ECA for fund monitoring.

Traction & Status

Live and operational

Database tables live

Platform modules

16+

Enterprises registered

EU countries supported

✅ What's Live

• AI-powered enterprise registration (Gemini + Companies House/SEC/OpenCorporates)
• 5-pillar enterprise scoring engine with country context
• Financial summaries from Yahoo Finance, CorpLedger, and source-backed DB rows
• Public leaderboard with countries, councils, enterprises, and scores
• GovLedger + CorpLedger transaction tracking
• SHA-256 audit chain and source ledger
• Lobster Trap DPI security with persisted inspection logs
• Didit KYC, OIDC, passkeys, and guarded demo eID flow
• PrismAPI macro/government enrichment and global monitor

🚀 Roadmap

• Production Open Banking keys and provider-specific consent hardening
• Reviewer queues for source conflicts, ownership, KYC, documents, and sanctions
• Procurement and grants live data ingestion from public institutions
• EUR-Lex, Companies House bulk, sanctions, and beneficial-owner ingestion
• Mobile World ID wallet and recovery controls
• Multi-country registry federation beyond UK/US/OpenCorporates
• Optional public hash anchoring for score snapshots
• OLAF/DG REGIO pilot readiness package

Team & Contact

QubitPage Team

Full-stack engineering · AI/ML · Blockchain · GovTech

Platform

Next.js 16 + PostgreSQL

Gemini + Custom Models

Data

Open Banking + Registries

Visit Platform Read Whitepaper