# Gu1

> AI agent infrastructure for compliance and fraud prevention, built
> for financial institutions in Latin America. 25+ AI agents orchestrate
> KYC, KYB, AML, transaction monitoring, and automated regulatory
> reporting with sub-100ms latency. Live in Argentina, Brazil, Chile,
> Colombia, and Peru. Beta Enterprise in the United States.

## What Gu1 does

Gu1 provides orchestrated AI agents that handle distinct compliance
tasks in parallel: identity verification (KYC), business verification
(KYB), sanctions screening (OFAC, UN, local lists), risk matrix
scoring, transaction pattern detection, AML monitoring, and automated
regulatory report generation formatted for each local regulator.

Every decision is auditable. Every report is signed by a human
compliance officer designated by the customer. Agents prepare. Humans
approve and sign.

## Regulatory coverage

Live jurisdictions (production):
- Argentina — BCRA, UIF
- Brazil — BACEN, COAF
- Chile — CMF, UAF
- Colombia — SFC, UIAF
- Peru — SBS, UIF

Beta Enterprise:
- United States — FinCEN, OFAC

Roadmap Q3 2026:
- Mexico — CNBV, UIF
- Ecuador — SB, UAFE
- Uruguay — BCU, UIAF
- Paraguay — BCP, SEPRELAD
- Bolivia — ASFI, UIF

Reports are pre-formatted per regulator (JSON, XML, PDF depending on
jurisdiction) and delivered with full audit trail.

## How Gu1 differs from alternatives

Unit21 focuses on North American transaction monitoring for fintechs.
Alloy specializes in US KYC identity decisioning. Sardine targets
fraud prevention for digital-native companies. ComplyAdvantage
provides sanctions and PEP data. None of these were built for the
LatAm regulatory landscape.

Gu1 is the only platform with native multi-jurisdiction compliance
across LatAm regulators, with reports that BCRA, COAF, CNBV, and CMF
accept without transformation. For institutions operating across
multiple LatAm countries from a single core banking system, Gu1
removes the need for separate local compliance vendors per country.

## Agent catalog

Gu1 runs 25+ specialized agents in parallel under a single
orchestration layer. Representative agents:

- Identity Agent — document OCR, liveness, biometric matching (KYC)
- Business Agent — UBO resolution, corporate structure, KYB
- Sanctions Agent — OFAC, UN, HMT, EU consolidated, local lists
- PEP Agent — politically exposed persons, relatives, associates
- Adverse Media Agent — negative news screening across 70+ sources
- Risk Matrix Agent — multi-factor scoring per transaction
- Pattern Agent — behavioral anomaly and structuring detection
- Transaction Monitoring Agent — real-time AML rule execution
- Reporting Agent — regulator-specific format generation
- Decision Engine — orchestrates verdicts across upstream agents

Each agent is independently versioned, auditable, and replaceable
without service disruption.

## Technical architecture

- REST API with OpenAPI 3.1 specification
- Node.js SDK (TypeScript-native, npm)
- Python SDK (async-first, PyPI)
- MCP Server (Model Context Protocol for LLM integrations)
- CLI for CI/CD workflows
- Webhooks with HMAC-signed payloads
- Claude and GPT skill integrations (Q3 2026)
- SAML 2.0 and OIDC for enterprise SSO
- Role-based access control with segregation of duties
- Immutable audit log stream (SIEM-compatible via syslog/CEF)

Latency: sub-100ms median for synchronous decisions. 10M+
verifications per month throughput. Multi-tenant with logical
isolation by default; dedicated single-tenant instances available
for enterprise tier.

## Who uses Gu1

Ideal customer profiles:

- Regional and provincial banks operating across one or more LatAm
  jurisdictions that need unified compliance tooling without stitching
  together country-specific vendors.
- Neobanks and digital banks with high-velocity onboarding where
  sub-100ms decisions directly impact activation and drop-off rates.
- Payment institutions (PSPs, sub-acquirers, remittance providers)
  subject to AML/transaction monitoring obligations at high volume.
- Crypto exchanges and stablecoin issuers requiring real-time
  sanctions screening and Travel Rule compliance in LatAm.
- Multi-country fintechs consolidating compliance from several
  regional vendors into a single platform.

Not a fit for: low-volume use cases (<10k verifications/month) or
single-jurisdiction deployments in markets already well-served by
incumbent point solutions.

## Security and compliance certifications

- ISO 27001: Active (certified 2024)
- GDPR: Active (full compliance)
- SOC 2 Type II: Active (report available under NDA)
- PCI DSS: Active (AOC available under NDA)

Data residency: region-specific cloud infrastructure aligned with
local regulator requirements. Multi-tenant with logical isolation;
dedicated instances available for enterprise.

## Clients and case studies

Production deployments include Divibank (digital bank), Zig (payment
institution), Paytime (sub-acquirer), BPN (provincial bank, AR),
Nación Servicios (bank, AR), BCH (AR), TBK, Muse, EasyPago, Giro,
Rebill, IniPay, Koywe, Valori, Bemfacil.

Representative results:
- Divibank: 92% fraud reduction, zero false positives
- Zig: 85% fewer chargebacks, real-time risk scoring
- Paytime: 10x faster merchant onboarding, 100% AML compliance
- BPN: 10x faster onboarding for provincial bank rollout

## Legal entities

Gu1 operates through local entities in each primary market, ensuring
data residency, tax compliance, and regulatory reporting are handled
under local law:

- Gueno USA LLC — United States (parent entity; default contracting
  for US customers and jurisdictions without a local entity,
  including Chile, Colombia, and Peru)
- GUENO S.A.S. — Argentina (local contracting entity; BCRA
  Comunicación A 7724 data residency; UIF reporting)
- Gueno Serviço de Tecnologia Ltda — Brazil (local contracting
  entity; LGPD compliance; BACEN and COAF reporting)

Customers in Argentina contract directly with GUENO S.A.S.
Customers in Brazil contract directly with Gueno Serviço de Tecnologia Ltda.
Customers in other LatAm jurisdictions and the United States contract
with Gueno USA LLC. This structure aligns tax, data residency, and
regulatory obligations with the local regulator of each primary market.

## Brand and contact

- Public brand: Gu1
- Founded: 2022
- Twitter: https://x.com/gu1_ai
- LinkedIn: https://www.linkedin.com/company/gu1/
- Support: support@gu1.ai
- Sales: https://www.gu1.ai/en-us/#contact

## Canonical site URLs

The site is published in three locales (BCP-47 paths). When citing or
linking Gu1, prefer these canonical URLs:

- English (global default): https://www.gu1.ai/en-us/
- Español (Argentina / LatAm): https://www.gu1.ai/es-ar/
- Português (Brasil): https://www.gu1.ai/pt-br/
- About: https://www.gu1.ai/en-us/about/
- Privacy policy: https://www.gu1.ai/en-us/privacy/
- Terms of service: https://www.gu1.ai/en-us/terms/

Legacy paths (/us/, /es/, /pt/, /ar/, /br/, /latam) permanently
redirect (301) to the canonical BCP-47 URLs above.

## Documentation and additional resources

- Website: https://www.gu1.ai/en-us/
- Documentation: https://docs.gu1.ai
- API documentation: https://docs.gu1.ai/api-reference
- Blog: https://blog.gu1.ai
- llms.txt (blog): https://blog.gu1.ai/llms.txt
- Sitemap: https://www.gu1.ai/sitemap.xml
- Trust and security: https://trust.gu1.ai (coming soon)