Family Office & Private Capital AI

AI for family offices
that won't create your
next SEC referral.

MNPI containment under Reg FD. Wall Street Rule firewall on every memo. 13D/G beneficial ownership scrutiny built in. Family-CIO due diligence on private deals — with an immutable audit trail from the first query.

Start 30-Day Family Office Pilot →
✓ Reg FD MNPI containment ✓ Wall Street Rule firewall ✓ 13D/G beneficial ownership ✓ AML/KYC trust structures ✓ Immutable audit trail
Regulatory Foundation

Every layer of the stack.
Not just the checkbox.

Family offices sit at the intersection of six distinct regulatory risk surfaces. We cover all of them — by architecture, not policy memo.

📡

Reg FD MNPI Containment

Material Non-Public Information is detected and quarantined before it routes through the agent network. Analyst memos, deal terms, and board materials are scanned for MNPI markers — flagged, redacted in output, and audit-logged before any response is generated.

17 C.F.R. § 243.100 — Regulation FD
🧱

Wall Street Rule Firewall

Portfolio company information and public market positions are firewalled at the agent routing layer. Cross-contamination between deal due diligence and trading desk queries is blocked by construction — not by policy attestation that no one enforces.

Exchange Act § 10(b), Rule 10b-5
📊

13D/G Beneficial Ownership Scrutiny

Crossing 5% thresholds in public companies triggers Schedule 13D/G disclosure obligations. The agent layer flags accumulation-related queries and warns when deal research context could implicate beneficial ownership reporting under Section 13(d).

Exchange Act § 13(d)–(g), Schedule 13D/G
🏦

AML/KYC for Trust Structures

Family offices managing assets through complex trust, LLC, and limited partnership structures face FinCEN beneficial ownership rules and AML program obligations. Agent responses involving counterparty onboarding are grounded in CIP/CDD requirements and flagged for compliance review.

31 C.F.R. §§ 1020.210, 1010.230 — FinCEN CDD
🔍

FINRA Rule 3110 Supervision-Equivalent Controls

Family offices registered as broker-dealers or working with registered representatives face FINRA Rule 3110 supervision obligations. For those operating outside FINRA registration, the same supervisory architecture — review logs, escalation chains, attestation records — is enforced at the AI layer.

FINRA Rule 3110 — Supervision
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Audit Immutability

Every query, every response, every gate decision — including blocked ones — is written to a tamper-evident WORM audit log. Timestamped, hash-chained, and readable by your compliance counsel without re-running anything. SEC exam-ready from day one.

SEC 17a-4 WORM Standard (by analogy)
Live Adversarial Demo

MNPI leak attempt.
Reg FD gate fires. You see why.

An analyst memo containing accidentally-leaked MNPI. The agent coalition flags it, redacts the material information, and audit-logs the intercept — before any response reaches the analyst.

Family Office Adversarial Probe — MNPI / Reg FD Gate
Simulated analyst memos and deal queries with MNPI leakage attempts
● LIVE
Select a scenario
🏦 Select a scenario above to see the MNPI gate in action.
Running adversarial probe through Reg FD gate…
Regulatory Exceedance

We don't meet the bar.
We move past it.

Compliance theater is building to the minimum. Here's where we exceed it — specifically, for family office AI use cases.

MNPI Handling
→ Reg FD requires no selective disclosure
✓ MNPI detected at query ingestion. Response redacted before generation. Not just a policy — a technical control.
Trading Firewall
→ Exchange Act requires no insider trading
✓ Deal-side and public-market queries firewalled at the agent routing layer. Cross-contamination blocked by construction.
Beneficial Ownership
→ Exchange Act § 13(d) requires disclosure at 5%
✓ Accumulation queries flagged before response. 5% threshold proximity warning with § 13(d) filing timeline reminder.
AML Program
→ FinCEN rules require CDD for covered institutions
✓ Trust-structure counterparty queries grounded in CIP/CDD requirements. Flags complex layering for compliance review.
Audit Trail
→ SEC exam requires records retention
✓ Hash-chained WORM audit log. Every query, every gate decision, every blocked response — immutable and indexed for SEC review.
Supervision
→ FINRA 3110 requires reasonable supervision
✓ Full review log, escalation chain, and attestation record for every AI-assisted analyst workflow. Exportable to compliance officer on demand.
Triple-Gate Architecture

Three gates. Every query.
Full audit trail after each.

Not a post-hoc compliance review. Not a periodic scan. Every family office query traverses all three gates in sequence — or it doesn't get a response.

✓ Verified
01
MNPI / Reg FD Gate
Scans inbound queries for Material Non-Public Information markers, Wall Street Rule violations, and accumulation-threshold triggers. MNPI is quarantined; 13D/G proximity triggers a compliance flag before any response is generated.
Artifact: MNPI_GATE_INTERCEPT_LOG — every intercept timestamped, hash-signed, and retained immutably for SEC exam readiness.
97.4 / 100 grounding score
✓ Verified
02
Corpus Grounding
Response grounded against the family office regulatory corpus: Reg FD, Exchange Act § 13(d)/(g), FinCEN CDD, FINRA Rule 3110, and SEC 17a-4 WORM standards. Unverifiable claims are refused, not softened.
Artifact: GROUNDING_SCORE_CARD — sources cited, confidence scored, evidence linked for every response.
94.1 / 100 grounding score
✓ Verified
03
Immutable Audit Emit
Every query-response pair — including blocked ones — is written to the WORM audit log. Timestamped, hash-chained, and readable by your GC or compliance officer without re-running anything. SEC exam-ready from day one.
Artifact: WORM_AUDIT_ENTRY — gate verdict, agent identity, latency, grounding evidence, and MNPI redaction map.
100 / 100 immutability score
30-Day Family Office Pilot

Run real deal queries.
See the compliance stack work.

Dedicated family-office agent pool provisioned on day 1. MNPI gate, Reg FD firewall, 13D/G threshold monitoring, AML/KYC grounding, and immutable audit trail — all active before your first production query.

  • ✓
    MNPI gate + Reg FD firewall active from kickoff
  • ✓
    Dedicated family-office agent pool (10 specialized agents)
  • ✓
    13D/G beneficial ownership threshold monitoring
  • ✓
    AML/KYC trust-structure grounding pre-configured
  • ✓
    WORM audit trail — every query logged, SEC exam-ready
  • ✓
    Deposit credits month 1 — no lock-in after 30 days
$2,500
30-day pilot deposit · credits month 1
✓ Full credit toward subscription
🔒 Stripe-secured · AES-256-GCM encrypted
📋 MNPI gate active from kickoff, not after
↩️ Pro-rated refund if you cancel at 30 days
Regulatory Sources

Primary document grounding.

17 C.F.R. § 243.100
Regulation FD
SEC rule prohibiting selective disclosure of material non-public information to market professionals and shareholders.
Exchange Act § 10(b) / Rule 10b-5
Wall Street Rule / Insider Trading
Anti-fraud provisions prohibiting trading on material non-public information; basis for SEC insider trading enforcement.
Exchange Act § 13(d)–(g)
Beneficial Ownership Reporting
Schedule 13D/G disclosure obligations triggered at 5% beneficial ownership of a public company's registered equity securities.
31 C.F.R. §§ 1020.210, 1010.230
FinCEN CDD / AML
FinCEN beneficial ownership and customer due diligence requirements for covered financial institutions serving family office structures.
FINRA Rule 3110
Supervision
FINRA supervision requirements for registered firms and associated persons; analogous framework applied to family office AI supervision.
SEC 17 C.F.R. § 240.17a-4
WORM Audit Standard
SEC electronic records retention standard requiring non-rewritable, non-erasable (WORM) storage — the immutability bar our audit log is built to.
Common Questions

FAQ

How does the MNPI gate distinguish material from immaterial information?⌄
The MNPI gate scans for pattern markers associated with SEC enforcement: unreleased earnings figures, acquisition prices, deal timing, board decisions, and management guidance before public disclosure. When a marker is detected, the query is flagged and the material information is redacted from any response — the analyst sees the redaction, not the underlying data. False-positive rate is under 3% in production; flagged queries can be reviewed and released by a designated compliance officer with the action logged.
Does the Wall Street Rule firewall apply to all queries or only specific desks?⌄
The firewall is applied at the routing layer for every query — there's no "deal desk only" configuration that's one misrouted message away from a violation. Deal-side context (portfolio company board information, private acquisition terms, unreleased financials) is held in an isolated agent context that cannot be accessed by queries tagged to the trading function. The isolation is enforced by agent context segmentation, not by policy attestation.
What happens when a query approaches a 13D/G filing threshold?⌄
The agent monitoring beneficial ownership context will flag proximity to the 5% threshold (Exchange Act § 13(d)) when accumulation-related queries are processed. The flag includes: current estimated aggregate position, days remaining before a 10-day filing window opens under Schedule 13D, and the relevant issuer CUSIP. The response doesn't block the query — it adds a compliance sidebar that your legal team sees before acting. The flag and the sidebar are both written to the immutable audit log.
Is Sturna itself a registered investment adviser or broker-dealer?⌄
No. Sturna is a compliance infrastructure provider, not an RIA or broker-dealer. We provide AI-augmented compliance tooling — MNPI detection, audit logging, regulatory grounding — that operates within the governance framework of your registered advisors and legal counsel. We do not provide investment advice, execute trades, or make discretionary decisions on behalf of family office clients. All investment decisions remain with your licensed professionals.
What happens at the end of the 30-day pilot?⌄
You review 30 days of audit logs, gate decisions, MNPI intercept records, and grounding scores with your compliance lead. If you convert to a full contract, the $2,500 deposit credits month 1. If you don't, you receive a pro-rated refund for unused days. No lock-in, no pressure — the pilot exists to demonstrate value, not manufacture it.