The banks spend heavily on private AI to keep client identity in-house, and it still trails the best models. Everyone else has the same duty of confidentiality, and no practical way to build their own.
Ava keeps your client’s identity on your computer, lets you use the best enterprise AI, and keeps a Governed AI record of every step.
A licence governs the vendor, not the client’s data. The data still leaves the bank, so the big banks build private AI in Canadian data centres, on their own terms. Ava is built for everyone else.
| An enterprise licence | Bank-grade Governed AI | |
|---|---|---|
| Custody of the client’s identityThe client’s name stays inside the firm | — | ✓ AVA |
| Control of what goes inIdentifiers removed before the file leaves | — | ✓ AVA |
| A record of each useTied to the file, the model and the outcome | — | ✓ AVA |
| Proof a human signed offReview gated and evidenced before work goes out | — | ✓ AVA |
| Vendor termsNo training, retention terms, security, admin control | ✓ | ✓ |
Tier 1 AI on real client files.
Names and numbers are removed before the file leaves your computer. When the finished work comes back, Ava puts them back.
Proof you can hand over.
Model inventory, usage log, data governance and human review, kept on every file. One page, no client content.
Ava is for you.
Mortgage professionals
Credit files and applications
Financial planners
Client plans and portfolios
Controllers
Statements, vendor files, reconciliations
CFOs
Board and lender packages
Accountants
Client returns and financials
Lawyers
Contracts and agreements
Real estate brokers
Offers, leases and closings
Commercial lenders
Credit memos and term sheets
Your firm
Any file with a client’s name on it
The client’s name does not.
Client file in
Any format, scans included
Ava scrubs
Identity removed. The identity key stays home.
Deliverable
Report, memo, Word, Excel. Ready to send.
Ava restores
Names back. Every file verified.
Claude, or any frontier model
You do the analysis. The AI never sees the client.
Synthetic deal. A chartered bank or rated tenant can pass through in the clear when its identity is the analysis.
What government regulators and industry standards now expect. Kept on every file.
Model inventory
Which AI touched this file?
Usage log
Who used it, on which file, when?
Data governance
Identity kept out of the AI?
Human review
Approved before release?
| 14 Oct · 10:12 | AVA | Scrub: 1 file, 7 replacements, identity key written |
| 16 Oct · 09:41 | AVA | Scrub: 3 files, 32 replacements, 1 scanned page read on this computer |
| 16 Oct · 11:05 | AVA | Restore: 1 file with labels not in the key. Reported, and kept on the record. |
| 16 Oct · 11:22 | AVA | Restore: 1 file clean |
| 16 Oct · 11:30 | YOU | Model inventory: Claude (Anthropic), business account, risk Medium |
| 16 Oct · 11:32 | YOU | Data governance: I read every scrubbed file before it left this computer |
| 16 Oct · 11:36 | YOU | Human review: reviewed and approved, going to equipment lender |
It records its own misses
A bad restore stays on the record, next to the clean one that followed.
It can go to anyone who asks
No client names, no numbers. A reference that names a party is refused.
It can’t be closed early
Human review stays locked until the first three pillars are done.
We all tested AI on real work. It was the era of trying it out, and we allowed it. Now we know. OSFI’s Guideline E-23 takes effect 1 May 2027, and expectations only tighten from there.
One rule in every generation: the client’s identity stays with the firm, and every use is on the record. The boundary widens.
Desktop. The professional’s computer.
Ava on your own computer. Remove, restore and the Governed AI record.
Firm perimeter. The firm.
Up to 5 users. One administrator, one firm policy, one record across the team.
Sovereign choice. The firm’s own model.
A local model beside the frontier models. The firm chooses which handles which file.
Ava does one job: it stands between your client and the AI. When a better model arrives, you switch. Your record, your process and your client’s privacy don’t move.
The intelligence stays outside.
- Software on your own computer. Nothing hosted.
- Model-agnostic. Use the best AI as it improves.
- Selective. A bank or public company can pass in the clear.
- A Governed AI record on every deal.
- A chat assistant. It contains no generative model.
- A decision-maker.
- Automated. You do every step.
- An anonymiser.
The record, on file.
See it run on a synthetic deal, start to finish: scrub, restore, and the Governed AI record.
AVA Credit Inc. builds Ava. A Canadian federal corporation, established in 2023 and headquartered in Toronto’s Financial District. Founded and led by Matthew Dobson, CEO, with 25 years in institutional lending.
Toronto, Ontario