Audit Trail
CNBV-Ready
Every agent decision signed with HMAC-SHA256, cryptographically chained, IPFS-anchored, and exportable to CNBV format.
Regulatory Disclosure
Nirium is a non-custodial software infrastructure. We do not provide financial advice, manage third-party assets, or process fiat directly. All financial operations are executed on the Stellar network by the user via non-custodial wallets. Regulatory compliance for fiat operations is handled by our third-party regulated partners in alignment with local laws (e.g., Art. 80 Ley Fintech).
Four Layers of Proof
HMAC-SHA256
Every agent action is signed with the client master key. If anyone tampers with a record, the signature invalidates automatically.
Cryptographic Chain
Each record hashes the previous. Changing one record breaks the entire downstream chain. Blockchain-style without needing a blockchain.
IPFS (Pinata)
The full report is uploaded to IPFS. You get an immutable CID. Any auditor or regulator can verify the report without your intervention.
CNBV Export
Structured JSON with fields `folio`, `fecha_hora`, `tipo_operacion`, `agente`, `monto_usdc`, `red_blockchain`, `hash_transaccion`, `firma_hmac`, `integridad`. Ready to submit.
Designed for Ley Fintech Art. 80
67+ regulated fintechs active in Mexico operate under CNBV. All need auditable reports. Nirium generates them automatically.
CNBV Requirements
- Full traceability of every operation
- Identification of the actor that executed
- Immutable hash of every transaction
- Exportable structured JSON report
- 5-year storage retention
Report Preview
cnbv-report-2026-04.json
{
"institution_id": "FINTECH_MX_001",
"report_type": "TRANSACCIONES_AGENTES_IA",
"period_start": "2026-04-01T00:00:00Z",
"period_end": "2026-04-30T23:59:59Z",
"record_count": 1247,
"total_volume_usdc": 2400000.00,
"chain_integrity": "VERIFIED",
"ipfs_cid": "ipfs://QmX7...8yZ9",
"records": [ {
"folio": "8BFCA5C5",
"fecha_hora": "2026-04-15T14:30:00Z",
"tipo_operacion": "REBALANCE_USDC_TO_CETES",
"agente": "Nirium-Agent-001",
"monto_usdc": 50000.00,
"red_blockchain": "Stellar",
"hash_transaccion": "8bfca5c5a7909d75817a7ede963...",
"firma_hmac": "f4e2d9c1b8a7...",
"integridad": "VALIDA"
}// ...1246 items more ] }
Nirium provides the technical layer to generate auditable reports. Regulatory interpretation, CNBV submission and Art. 80 compliance are the regulated operator's responsibility. Software-only, not legal advice.