Governed AI for consequential business

Intelligence you can govern.

Llama Research builds AI that works on your own data, inside your own walls, and leaves a record of every decision — so someone can explain it afterward to an auditor, a regulator, or your board.

Start with Blueprint

Start here. We talk through the problem you already have. Then you get a plan: where AI will help, where it should not be trusted, and what to do in the first 90 days.

Runs on your own systems Acts only inside your rules Every decision is logged Built by operators, not advisors
Operator proof

Built by operators who understand what failure costs.

We start with how the business actually runs: who decides what, what has to be checked, and the result you expect to see. AI helps people decide. People stay accountable for the decisions that matter.

Where the experience sitsPayments infrastructure, regulated fintech, digital assets, risk, and scaled operations.
What changes in the workOne real process that someone already owns becomes a system you can explain to anyone who asks.
Who it is forLeaders in complex, regulated organizations who need AI without giving up control.
How proof is shownApproved operating evidence. No mock metrics presented as client results.
Commercial lifecycle

Start with clarity. Build what matters. Keep it accountable.

01

Blueprint

Diagnose and prioritize. Decide where AI will earn its place, which controls it needs, and what happens first.

02

Launch

Build and deploy. Private systems, agents that can take action but only inside your rules, and the change in how your team works to run them.

03

Orbit

Run, measure, and retrain. Results feed back in, every update is retested before it goes live, and accuracy is tracked as things change.

Powered by Cortex — trusted data, decision logic, governance, and accuracy that gets re-checked, not assumed.

Method, not a client claim

A decision the business can stand behind.

Every system is described the same way: what was stuck, what the system was allowed to see, what it recommended, who had to approve, and what changed.

01

Situation

Fragmented signals. No owner for the decision. Too slow to explain after the fact.

02

Signal

Trusted company data, with access limited to what that decision is allowed to use.

03

Decision

A recommendation with confidence, assumptions, and the boundary it must stay inside.

04

Governed action

A named approval path. If the gate is not met, the action does not proceed.

05

Outcome

Cycle time, quality, or visibility — reported only when the result is approved to share.

Proof in flight

The first system we govern this way is our own.

Alpha · simulated environment · zero live risk

Project Cortex is Llama Research's own multi-agent decision platform. It runs on ten agents — small programs that each watch one thing and propose an action, but can never take one without a person saying yes. They work across more than forty scheduled jobs. The prediction model retrains every night, and if the new version cannot be verified, the old one stays in place. Uptime has held above 99% since our infrastructure migration. All of it runs on real logic, real infrastructure, and real data, in a simulated environment, so nothing is at risk while we validate it.

Every agent can propose. Only a human approves and deploys.
Read the full architecture →
Every signal clears six gates
  1. Signal quality — hit rate, freshness, and a confidence threshold.
  2. Macro regime — stands down rather than act into a hostile backdrop.
  3. Positioning — reads crowding and fragility before committing.
  4. Technical confirmation — momentum and structure have to agree.
  5. Event proximity — blocks new commitments near known event risk.
  6. Pre-action preflight — a final real-time check immediately before execution.

Any gate can stop a decision cold. Missing data means the system stands down rather than taking a free pass.

10Active agents
40+Scheduled jobs
6Gates per signal
99%+Uptime since migration
Decision models

Your AI should not be guessing.

AI sounds confident even when it is wrong. So when a decision has a right answer — did the customer leave, was the invoice disputed, was the alert real — we do not leave it to the AI's opinion. We build a separate system alongside it: a prediction model trained on your own history of what you decided and what happened next. Not a chatbot, and not the AI learning to write better. This is the oldest, best-understood part of machine learning — find the pattern in your own numbers, then check it against what actually happened. The AI keeps reading the documents and explaining the result. The prediction model supplies the odds, and we can tell you how often those odds have been right.

01

Collect

We gather your past decisions and what happened after each one. Most companies have the first part. Almost nobody keeps the second.

02

Train

The prediction model learns the pattern, then we test it on months it has never seen. The accuracy we quote is the accuracy you get.

03

Recalibrate

Things change and accuracy fades. We retrain and retest on a schedule. If a new version cannot beat the old one, the old one stays.

If the model cannot beat a simple guess, we tell you, and you do not pay for the next phase.

We start with a short check on your data. One question decides most of it: do you have records of what happened after each decision, not just the decision? You get one of three answers — there is something here and this is how strong it is, there is something here once the records are cleaned up, or there is nothing here worth building. We tell you the price before any work starts.

Built on your data, runs in your environment, re-checked in Orbit.

Why the lifecycle holds

Control is part of the system, not a slide at the end.

Private by design

It runs where your data is allowed to live, with the access rules and security your organization already requires.

Governed by default

Who approves what, what gets logged, and when a human is pulled in are built in from day one — not added after an audit.

Built for action

The output lands in the tools your team already uses, and changes something you can measure.

Led by operators

The people running your engagement have had to answer for results themselves, not just advise on them.

Read the full governance framework →

Insights

We write about what actually went wrong.

Most of what gets published about AI is a success story. These are the problems we hit building our own systems, and what we changed afterward.

Read everything we have published →

Track record

Platforms built, licensed, and run under real scrutiny.

Before Llama Research, the same two operators built and ran payments infrastructure in regulated markets — securing licenses, passing audits, and owning the consequences when something broke.

Carta Worldwide

Co-founded · Acquired

A MasterCard-certified digital payments platform, built and scaled across Canada, the UK, and Morocco through to acquisition.

Island Pay

Launched in six months

Secured the Bahamas' first Central Bank payment service provider license and MasterCard principal membership. Integrated the world's first CBDC and processed $140M in government disbursements.

CiNKO

Built from scratch

A stablecoin payments platform with custodial wallets, Visa card issuance, and AI-powered KYC, serving 200,000+ users across Latin America and the Caribbean.

40+Years combined
5Companies co-founded
3+Exits
3Regions operated in

This is operating history, not client results. Client engagements are described only with approval.

How to begin

Start with Blueprint.

Start with Blueprint

It starts with a conversation about what is actually stuck, and ends with a plan for one process someone already owns: what AI will do, what it may not do, and what changes in 90 days.

Email
hello@llamaresearch.ai
Prefer a form
llamaresearch.ai/contact
Location
Toronto-based. Serving North America, the Caribbean, and beyond.