Automated compliance enabling greater efficiency and transparency for financial institutions
TamamOS is a Hedera-native financial infrastructure platform designed for regulated banks and financial institutions to modernize payments, custody, tokenization, and compliance through a single operating system. At the core of this is Mirsad AI, an autonomous, global standard compliance solution that monitors financial activity, automates AML processes, and creates auditable transaction records. TamamOS and Mirsad enable institutions to adopt distributed ledger technology with greater efficiency, transparency, and confidence while maintaining regulatory control and operational integrity.
Financial institutions worldwide are forced to rely on fragmented, legacy systems that depend on intermediary banking networks, manual compliance processes, and disconnected platforms for custody, payments, and reporting. Cross-border transactions are slow and expensive, often taking days to settle, with limited transparency and high fee structures. Compliance frameworks generate overwhelming false positives, driving operational inefficiency and regulatory risk. At the same time, reliance on third-party stablecoin providers jeopardizes monetary sovereignty, data control, and alignment with regulatory requirements.
Solution
TamamOS delivers a unified, Hedera-based financial operating system that brings payments, custody, compliance, and tokenization onto a single platform. Institutions can issue stablecoins, settle transactions in seconds, and automate AML compliance processes through Tamam’s Mirsad AI. Built with a regulator-first approach, the platform adapts to jurisdiction-specific requirements, enabling banks to modernize infrastructure, reduce reliance on intermediaries, and operate with greater transparency, efficiency, and control.
Before even approaching commercial banks, we engaged directly with regulators to present our technology, risk model, and compliance framework. Building on Hedera gave us the credibility to have those conversations, because its governance and enterprise-grade infrastructure are recognized by the institutions we needed in the room.
Muneef Halawa
CEO & Co-Founder
A unified stack for modern financial operations
TamamOS is architected as a fully integrated financial stack where payment, custody, compliance, and tokenization operate cohesively on Hedera’s enterprise-grade infrastructure – leveraging Hedera Token Service and Hedera Consensus Service for token issuance and immutable audit trails. The platform includes sovereign and USD-denominated stablecoin issuance, institutional-grade MPC custody, programmable payment rails, and real-world asset tokenization designed for regulated financial environments. Looking ahead, TamamOS will be live on Hashgraph’s hybrid, private-permissioned network architecture HashSphere for institutions exploring finance on-chain.
Every transaction is processed within a unified system where compliance is automatically enforced prior to settlement, reserves are verifiable, and custody is secured through distributed key management that eliminates single points of control. By anchoring all activity to a single, immutable audit trail on Hedera, TamamOS enables institutions to move beyond fragmented, multi-vendor architectures toward a cohesive infrastructure layer that can scale across jurisdictions while maintaining strict regulatory and data governance standards.
Automated, intelligent compliance with Mirsad
Mirsad serves as the compliance backbone of TamamOS, enabling financial institutions to meet increasingly complex regulatory requirements at scale. Traditional AML systems generate high volumes of false positives, often exceeding 95%, forcing banks to rely on labor-intensive review processes.
Mirsad replaces this model with AI-driven compliance automation capable of monitoring both fiat and distributed ledger transactions in real time. It detects and reviews suspicious activity, delivers explainable decisioning, generates regulatory reports, and creates fully auditable, tamper-proof records of every compliance decision. This allows institutions to ensure compliance accuracy, reduce operational costs, and confidently adopt digital financial infrastructure.
Immediate success and the path forward
Tamam has established early traction with both TamamOS and Mirsad across the Gulf Cooperation Council (GCC) and broader Middle East and North Africa (MENA) region, with active engagements spanning two central banks and six commercial banks. This foundation has validated the platform’s regulator-first approach and demonstrates its ability to operate within complex financial environments.
Capitalizing on this momentum, Tamam is expanding into new global markets, with a focus on replicating its deployment model across jurisdictions. Its modular platform, built on Hedera, enables institutions to scale adoption over time, positioning TamamOS as a long-term infrastructure layer for globally interoperable, compliant financial systems.
Why Hedera?
Tamam selected Hedera as the foundation for TamamOS based on its ability to meet the stringent requirements of highly regulated financial institutions. Hedera Council, comprising leading global enterprises, provides a level of transparency and institutional credibility that resonates with regulators and central banks. This governance model supports trust and accountability across jurisdictions.
The network’s fast finality ensures transactions settle in seconds without rollback risk, a critical requirement for compliance, custody, and financial reporting. Combined with predictable, low transaction fees, Hedera provides institutions with the confidence to forecast costs and operate at scale with total certainty. Leveraging services such as the Hedera Token Service and Hedera Consensus Service, TamamOS immutably records token issuance, compliance events, and audit trails enabling secure and transparent operations.
