Technology — CityZeen® Infrastructure
Home / Technology

A financial OS,
re-built from the
silicon up.

CityZeen® is not a traditional fintech with bolted-on digital features. It is a regulated financial operating system designed natively for digital securities, AI-grade asset scoring, and 24/7 cross-border settlement. Every layer of the stack is institution-ready. Specific implementation details, vendor identities and chain selections are disclosed only to verified counterparties under NDA.

The CityZeen® Stack · Seven Integrated Layers
Layer 07 Client experience Edge-rendered web · Enterprise SSO · Audit-grade session
Layer 06 AI reasoning core Frontier-LLM ensemble · Multi-model routing · Audit logged
Layer 05 Pricing & scoring engine Proprietary multi-criteria model · Monte Carlo · SFDR classifier
Layer 04 Geospatial intelligence Multi-source satellite · Cadastral data · Ground partners
Layer 03 Regulated compliance Regulated KYC/KYB · eIDAS · Compliance-bound digital securities
Layer 02 Payment & custody rails PSD2 open banking · EUR-pegged stablecoin rail · Bank-grade custody
Layer 01 Tokenisation & settlement Institutional digital-securities standard · On-chain compliance · Regulated settlement venue
◐ Architecture details available on request
Full technical stack shared with prospective partners.

CityZeen® does not publish specific chain selection, token standard, custodian name or oracle architecture in public marketing. Prospective institutional partners receive the full technical stack and reference architecture in the diligence pack.

Request Technical Pack
Capabilities, Not Vendors

Each layer chosen
for regulator fit.

CityZeen® integrates only providers that already carry the licence, the audit and the institutional relationships we need in every jurisdiction we operate. Specific vendor identities, chain selections and token standards are disclosed to members and counterparties under NDA — what matters publicly is the capability, the standard and the regulator coverage of each layer.

Settlement · Layer 01

Regulated Settlement

Institutional digital-securities venue

Settlement on a regulated venue with institutional-grade throughput and compliance-bound transfers. Every transfer is validated against a regulator-approved whitelist before execution. Specific venue and standard disclosed under NDA.

T+0 settlement
AI · Layer 06

Frontier-LLM Ensemble

Multi-model reasoning

Frontier models read and classify data rooms, score ESG, generate SFDR narrative, match assets to mandates. Every model call is audit-logged with prompt, response and reasoning chain.

Full explainability
KYC · Layer 03

Regulated Identity

KYC · KYB · AML

Regulated identity verification across 220+ jurisdictions. MiFID II professional status confirmation in under 5 minutes. AML transaction monitoring with PEP and sanctions screening.

eIDAS + MiFID II ready
Banking · Layer 02

PSD2 Open Banking

Account-to-account settlement

Direct account-to-account settlement across 300+ European banks under the PSD2 framework. SEPA Instant for near-real-time Euro settlement. Account verification before first transaction.

300+ banks · PSD2
Stablecoin · Layer 02

EUR-Pegged Stablecoin Rail

Regulated e-money token rail

Regulated EUR-pegged stablecoin rail for cross-border settlement in under two minutes. Operates under the EU regulated e-money token framework with full reserve attestation. Issuer disclosed under NDA.

EU regulated rail
Custody · Layer 02

Bank-Grade Custody

Tier-1 licensed custodian

Tier-1 licensed bank custody for fiat and digital asset holdings. Segregated client accounts under prudential supervision. Institutional-grade insurance and 24/7 reconciliation.

Prudentially supervised
The Scoring Engine

Every asset priced
by the same engine.

CityZeen®'s proprietary multi-criteria pricing engine is the heart of the platform. It ingests the full data room, scores each dimension, runs a thousand-iteration Monte Carlo valuation, classifies the asset under SFDR, and emits a fee tier — all in under ninety seconds. Members access the full criterion list, weights and back-testing under NDA.

  • InputRent roll, appraisal, leases, environmental reports, cadastral data, satellite imagery
  • ModelProprietary multi-criteria composite · weighted by asset class and jurisdiction
  • SimMonte Carlo · 1,000+ iterations · 5-year cashflow bands
  • OutputESG score · SFDR classification · Fee tier · Indicative valuation · Audit log
1

Data Room Intake

PDF, Excel, images uploaded by issuer

2

LLM Extraction

Frontier model reads every document and structures the fields

3

Satellite Verification

Physical asset confirmed from multi-source satellite imagery

4

Multi-Criterion Scoring

Each dimension scored against peer comparables

5

Monte Carlo

1,000-iteration cashflow simulation · confidence band

6

SFDR + Fee Tier

Art. 8 or 9 classified · Premium / Standard / Basic / Elevated

Security by Design

Built for the audit
before the build.

From day one CityZeen® has been designed for a CSSF, AMF and SEC-equivalent audit. Every action is logged, every key is segregated, every transfer is compliance-checked before it touches the chain.

Security 01

On-chain compliance

Compliance-bound digital securities enforce whitelist, jurisdiction and investor-type checks inside the contract. No transfer executes if a single compliance rule is breached.

Security 02

Key segregation

Client asset keys held by tier-1 licensed custodians under prudential supervision. Platform operational keys held in multi-region hardware security modules.

Security 03

Audit trail

Every platform action recorded to an append-only log. Every AI decision stored with full prompt, response and supporting evidence for regulator inspection.

Security 04

Penetration testing

Independent quarterly pentest. OWASP top-10 coverage baseline. Responsible disclosure programme open to external security researchers.

Go deep on
the architecture.

Get your CityZeen® membership, open your account, and access the full technical due diligence package — architecture diagrams, smart-contract audit, vendor SLAs, security posture and infrastructure governance — worldwide.

Get Your Membership
For prospective institutional partners · Activation within 48 hours