BAMS measures the workforce and computes payroll. NUL reads the bank's own policy, then returns a binding decision on every figure and every transaction before it moves. Two systems, one decision language, one audit trail.
They connect at exactly one surface: the moment a computed figure, or a transaction on the bus, becomes an action that policy governs. Neither replaces the core banking system. NUL sits above it as a gate.
Attendance devices push events in real time. BAMS computes the figure. NUL evaluates it. Only approved records reach the ERP; blocked and review items are held. Every decision lands in one audit trail.
Two enforcement surfaces, one engine. Toggle between a payroll figure checked against Ethiopian labour law, and a transaction checked against the national AML and due-diligence framework. Adjust the inputs, or load a preset, then run it.
| Surface | Today, separate systems | Combined |
|---|---|---|
| Payroll release | Computed, then written. Correct is assumed compliant. | Evaluated against policy, written only if approved. |
| Overtime limits | Paid at configured rate, no statutory-cap check. | Each figure checked against the cited legal rate first. |
| Transactions | Monitored after the fact, sampled in review. | Gated in real time against the AML framework. |
| Auditability | Logs show what synced, not why it was allowed. | Every figure carries a record tied to its rule. |
| Rule changes | A law change becomes a developer ticket. | Update the policy document, recompile, both current. |
Regulators in this market are explicitly encouraging AI-native, real-time monitoring. The combined surface is designed to produce the evidence an examiner asks for, on demand.
Overtime caps and statutory multipliers (1.5× day, 1.75× night, 2.0× rest day, 2.5× holiday) are compiled directly into the rule graph.
Reporting thresholds, due-diligence status and PEP senior-approval requirements gate the transaction before it settles.
Tamper-evident decision records, each tied to the governing rule, assembled into one examiner-facing view across people and money.
BAMS measures the workforce and computes the figure. NUL reads the policy and returns a binding decision, with the evidence attached. The core mechanism is confirmed; what remains is shape, not feasibility.
This is a working draft to illustrate fit, not a fixed claim or a commitment. The NUL capability is first-hand. The attendance and payroll behaviour is drawn from standard ZKBio Time documentation and may differ in a specific deployment. The regulatory rates and thresholds shown are public Ethiopian statute (Labour Proclamation 1156/2019; AML Proclamation 780/2013 and Financial Intelligence Center Compliance Directive 01/2014). Items for confirmation are noted above. The decision engine here is a self-contained demonstration of the decision and evidence model; it makes no live connection to any bank system.