This page may contain stale information. Last updated: 2026-07-05
Definition
SAFR (Safeguards for Agentic Finance at Runtime) is an industry-developed framework published by monetary-authority-of-singapore and financial partners (July 2026) for real-time governance of AI agents in financial services.
Architecture
SAFR sits between the agent and systems it acts on — a Governance Envelope evaluating proposed actions before execution:
| Component | Function |
|---|---|
| Agent identity | Who/what is proposing the action |
| Controls repository | Policies, mandates, risk thresholds |
| Disposition engine | Approve, reject, escalate to human, or flag for monitoring |
| Audit log | Tamper-evident record of governance decisions |
Implementation Models
- Native integration: Agent produces governance record before each proposed action
- Gateway model: Intercepts outbound API calls from existing agents
Distinction from Static Governance
Shifts from training-time / policy-document governance to action-time verification — the missing runtime layer as agentic finance scales beyond demos.
Related
- monetary-authority-of-singapore
- runtime-governance
- ai-governance
- agentic-ai
- banking-automation
- buildfin-ai
- agentic-ai-regulation