Mortgages, fraud detection, wire transfers, biometrics, AML screening, credit decisioning, and regulatory reporting — all running on data that never leaves encryption. FHE compute, post-quantum signatures, zero-knowledge attestation. One API.
Every product runs on FHE-BFV/CKKS encryption, STARK zero-knowledge proofs, and Dilithium/FALCON post-quantum signatures. The processing system never sees plaintext.
Every mortgage touches 15+ parties. Each one sees raw SSNs, income, credit scores, spouse names, children's names. One breach at any vendor triggers a class action. The CFPB is actively tightening third-party oversight.
The loan file stays encrypted end-to-end. Underwriting models run on ciphertext via CKKS. Credit decisions happen without any system seeing plaintext. ZKP attests correctness. Dilithium signs every handoff.
Eliminates the #1 source of mortgage data breaches — third-party vendor exposure. CFPB 2025 guidance makes banks liable for vendor breaches. Remove the plaintext, remove the liability.
Fraud rings exploit the gap between banks. Bank A wants to ask Bank B: "Have you seen this SSN open 3 accounts in 30 days?" GLBA makes sharing customer data illegal. Fraud losses: $2–4B/year across the top 10.
Bank A encrypts the query. Bank B runs an encrypted match against their encrypted watchlist. Neither sees the other's data. ZKP proves honesty. Output: "match" or "no match." Nothing else leaks. Signal contributions are free. Queries from $0.06 to $0.006 at volume.
Consortium fraud detection has been the industry's white whale for 20 years. No one has solved the GLBA privacy barrier. FHE eliminates it. No plaintext shared, no regulatory exposure, no legal risk.
Banks want biometric MFA — face, voice, fingerprint. After Illinois BIPA ($650M+ settlements), Clearview AI lawsuits, and expanding state laws, storing biometric templates in the clear is a legal time bomb. Every template is a potential class-action trigger.
Enrollment and matching happen entirely on ciphertext. The bank never possesses an unencrypted biometric template. 32 users per FHE batch at 35.25µs per authentication. BIPA-proof, GDPR-proof, CCPA-proof by architecture.
Every bank wants biometric auth. Every bank's legal team is terrified of biometric data liability. You cannot leak what you never had in the clear.
SWIFT and Fedwire move $5T+/day. Wire fraud: $1.8B in 2024. Nation-states harvest encrypted wire instructions now for quantum decryption later. One compromised wire can move $100M+. The OCC is already asking about PQ readiness.
H33-3-Key triple-nested signature on every wire: Ed25519 (instant classical verify) → Dilithium (quantum-safe, FIPS 204) → FALCON (independent lattice family, compact proof-of-origin). Temporal binding proves the wire existed before any key compromise.
NIST 2035 PQ deadline. Banks breached via quantum in 2030 because they didn't upgrade by 2027 face existential consequences. Wire data harvested today is already at risk. The cost of one fraudulent wire dwarfs a decade of H33 licensing.
Call Reports, CCAR stress tests, BSA/AML filings contain millions of customer records. Regulators need the math, not every account. Current reporting sends raw data, creating massive exposure. The 2024 FDIC data scandals showed regulators are vulnerable too.
Compute regulatory aggregates on FHE-encrypted customer data. Submit encrypted report + ZKP proving correctness on the real underlying data. Regulator verifies math without seeing individual records. 99% less data exposure.
Both sides want this. Banks reduce exposure. Regulators get verifiable correctness without custody risk. After years of data-handling scandals, it is the only architecture that protects everyone.
DOJ and CFPB fair lending investigations cost $100M+ in settlements. Proving a model isn't discriminatory requires exposing model internals — which banks consider trade secrets. Current audits are statistical approximations that take months.
Run the credit model on CKKS-encrypted applicant data. ZKP proves the model produced the same output regardless of protected-class inputs (race, gender, age) — without revealing model weights or applicant data. Mathematical proof in seconds.
Replaces years of litigation discovery with a cryptographic proof. The bank protects its model IP. The regulator gets mathematical certainty. The first bank to adopt sets the standard everyone else gets measured against.
Every transaction screened against OFAC, FinCEN, internal watchlists. Vendors (Actimize, Oracle FCCM, Fircosoft) see every customer name and transaction. One vendor breach exposes the entire customer ledger. BSA/AML is non-negotiable — skip it and lose your charter.
FHE-encrypted name/entity matching against encrypted watchlists. Boolean evaluator handles fuzzy matching (Levenshtein distance, phonetic similarity) on ciphertext. The screening engine never sees a single customer name. Alerts returned encrypted, decryptable only by compliance.
BSA/AML is mandatory. Every bank must screen. The third-party risk of handing a vendor your entire customer ledger is enormous. H33 solves both: full compliance, zero vendor plaintext.
Seven use cases, one cryptographic stack. Every component is shared across every product.
| Capability | H33 Component | Standard |
|---|---|---|
| Data never leaves encryption | BFV-256 / CKKS FHE | Lattice-based |
| Computation proof | STARK ZKP attestation | SHA3-256 |
| Quantum-safe signatures | H33-3-Key (Dilithium + FALCON) | FIPS 204 / 206 |
| Key exchange | Kyber ML-KEM | FIPS 203 |
| Biometric matching | FHE inner product (32 users/batch) | 128-dim vectors |
| Threat detection | ML agents (Harvest + SideChannel + CryptoHealth) | Sub-microsecond |
| Compliance attestation | HATS conformance certificate | Public standard |
| Production throughput | 2.21M auth/sec @ 35.25µs | Graviton4 benchmarked |
Not a research project. Direct coverage for the frameworks banks are already required to follow.
Banks understand transaction pricing. Signal contributions to H33-Share are free. All products use the same volume tiers.
A mid-size bank doing 500K wire transfers/month at $0.006/op spends $3,000/month on quantum-safe signing — less than a single hour of wire fraud investigation. A mortgage lender processing 10K loans/month at $0.025/op spends $250/month to eliminate their largest class-action surface.
Paste real-format PII into our live FHE demo. Watch it encrypt in the browser. Watch AI process the ciphertext. Watch it decrypt on the client. The server never saw the plaintext. That is not a claim — it is a live demonstration.