Tamam Brings AI-Driven Compliance to Regulated Banking on Hedera —

Tamam has launched a financial infrastructure platform on Hedera designed to bring payments, custody, stablecoin issuance, tokenization and compliance into a single system for regulated banks. At the center of the platform, TamamOS, sits Mirsad AI, an autonomous compliance solution that monitors financial activity, automates anti-money-laundering (AML) processes and produces auditable transaction records.

The company is targeting a long-standing pain point in institutional finance. Banks still depend on fragmented legacy systems, intermediary networks and manual compliance reviews, which leave cross-border transactions slow, costly and opaque, often taking days to settle. Traditional AML frameworks compound the problem, generating false positives that frequently exceed 95% and forcing institutions into labour-intensive review processes that raise both operating costs and regulatory risk.

TamamOS aims to consolidate that stack. The platform unifies payments, institutional-grade custody secured through distributed key management, sovereign and US-dollar stablecoin issuance, and real-world asset tokenization, with compliance enforced automatically before settlement. According to the case study, transactions are anchored to a single immutable audit trail, reserves are verifiable, and the system is built around a regulator-first approach that adapts to jurisdiction-specific requirements.

Mirsad AI serves as the compliance backbone. The engine replaces conventional AML tooling with automation that monitors both fiat and distributed-ledger transactions in real time, reviews suspicious activity, delivers explainable decisions, generates regulatory reports and creates tamper-proof records of every compliance decision. The company reports that 97% of compliance cases are processed automatically with full documentation.

The platform relies on specific Hedera services to operate. It uses the Hedera Token Service to issue tokens and stablecoins and the Hedera Consensus Service to immutably record issuances, compliance events and audit trails that regulators can independently verify. Tamam cites Hedera's fast finality, where transactions settle in seconds without rollback risk, alongside low and predictable fees and the institutional credibility of the Hedera Council, as central to its choice of network.

That credibility shaped Tamam's go-to-market strategy. "Before even approaching commercial banks, we engaged directly with regulators to present our technology, risk model, and compliance framework," said Muneef Halawa, Chief Executive and Co-Founder. "Building on Hedera gave us the credibility to have those conversations."

Tamam reports early traction across the Gulf Cooperation Council (GCC) and the broader Middle East and North Africa region, with active engagements spanning two central banks and six commercial banks. The company estimates an annual addressable market of 9.4 billion dollars in the GCC for cross-border settlement and compliance infrastructure, and plans to replicate its deployment model across additional jurisdictions, with TamamOS expected to run on Hashgraph's private-permissioned HashSphere architecture.