iDharma is an independent AI audit company. It reviews the AI systems organizations run and delivers a verified, standards-based report on whether their AI is accurate, fair, secure, and compliant — mapped to the EU AI Act, NIST AI RMF, and ISO/IEC 42001.

What does an iDharma AI audit cover?

An iDharma audit examines four dimensions of a live AI system — accuracy, fairness, security, and compliance — and returns a rating per dimension, evidence-backed findings, and a prioritized remediation roadmap. The scope is agreed and approved with you before any payment.

How is iDharma independent?

iDharma audits AI systems it did not build and holds no stake in the tools it reviews, so its findings are defensible to a board, a customer, or a regulator. An audit is a methodology-backed review — not a certification or a warranty.

Which standards does iDharma audit against?

iDharma maps findings to recognized frameworks including the EU AI Act, the NIST AI Risk Management Framework, ISO/IEC 42001, HIPAA, SOC 2, and India's DPDP Act — so every finding traces to a clause, not an opinion.

How do I request an AI audit?

Tell iDharma about your AI system through the Request an AI Audit form. Scope, timeline, and price are agreed up front, and nothing is charged until you approve the scope.

Fintech & Digital Payments AI Compliance

AI in credit, debit, and digital transactions — independently audited

Real-time fraud scoring, transaction monitoring, and payment-authorization AI decide millions of transactions a day. Fair-treatment, AML, and EU AI Act obligations apply regardless of model speed — "the model is too fast to explain" is not a compliance defence.

Request a fintech AI audit See how the audit works

$2.5M MA AG, 2025

US settlement — a transaction-risk model blocked legitimate customers via a demographic proxy

Active Post-April 2026

AML and fair-treatment enforcement on payment AI ongoing — regulators and private litigants stepping up

Aug 2026 Verify with EU AI Office

EU AI Act high-risk obligations take effect for AI that scores or blocks transactions

Measured against NIST AI RMF ISO/IEC 42001 EU AI Act HIPAA SOC 2 India DPDP

What we audit

AI systems in scope for Fintech

Every system below is covered in a standard iDharma engagement. Complex or multi-system deployments are scoped on request.

Transaction fraud & risk scoring

Real-time fraud, chargeback, and transaction-risk models — false-positive rate by demographic, explainability, and fair-treatment testing.

Payment authorization AI

Card, debit, and digital-wallet authorization decisions made in milliseconds — decision reconstruction, audit trails, and customer-impact review.

AML transaction monitoring

Anti-money-laundering and suspicious-activity models — accuracy benchmarking, alert quality, and BSA/AML documentation.

Digital-wallet & BNPL decisioning

Wallet onboarding, limit-setting, and buy-now-pay-later approvals — proxy-discrimination risk and adverse-action compliance.

Regulatory frameworks

What we audit against

Every iDharma Fintech engagement maps simultaneously against the frameworks below — producing one gap register, not three separate reports.

EU AI Act — High-Risk

AI that scores, limits, or blocks access to payment services can fall in scope — conformity assessment, technical documentation, and human-oversight obligations apply.

AML / BSA Obligations

Transaction-monitoring and suspicious-activity models must be explainable and defensible. Opaque alerting that cannot be justified creates regulatory exposure.

Fair-Treatment & Adverse-Action Rules

Declining or restricting a customer's transactions can trigger notice and non-discrimination duties — including indirect discrimination via proxy variables.

Our methodology

How an iDharma audit works

We do not accept vendor documentation as evidence, and we do not produce checkbox compliance reports. Every audit gives you a named auditor, a cited methodology, and a straight answer on where your AI stands.

01

We test transaction and fraud models for proxy discrimination against protected classes — not just the obvious proxies.

02

We reconstruct real-time authorization decisions on a sample of your production traffic — vendor accuracy claims are not taken at face value.

03

We evaluate alert and decline explanations against the model's actual logic to verify they are accurate and defensible.

04

We produce documentation structured to satisfy both EU AI Act technical-file requirements and US model risk management (SR 11-7) expectations.

See how we work →

More sectors

Explore other domains

Sector 01 General Independent AI audits for every organization deploying AI in a regulated... Learn more → Sector 02 Finance AI in banking, lending, wealth & investment — audited against SR 11-7, M... Learn more → Sector 03 Healthcare Clinical AI, diagnostic tools, and patient-facing systems — independentl... Learn more → Sector 04 Insurance AI in underwriting, pricing, and claims — classified as access-to-essent... Learn more →

Get started

Deploying AI in payments or transactions?

Start with the free Risk Snapshot to understand your fraud-model and fair-treatment exposure before a regulator does.

Your situation

“AI is already making fintech decisions — with no independent proof it holds up.”

In 1–4 weeks

One prioritised gap register mapped to the frameworks you answer to — signed by a named auditor.

Scoped before you pay — nothing is charged until you approve what the engagement covers.

Request an Audit Free Risk Snapshot →