# Congruence

> Congruence is a FER Zagreb spin-off building sovereign AI infrastructure for regulated industries across Europe. The company operates two lines: an open R&D line contributing five IPCEI AI primitives to the European AI ecosystem, and a commercial line deploying production sovereign AI systems — starting with Congruence Sovereign, a 24-module supervisory intelligence platform for Basel III and Solvency II financial regulation. On-premise, air-gapped, zero cloud dependencies.

- Founded: 2026, Zagreb, Croatia
- Type: FER Zagreb spin-off (Faculty of Electrical Engineering and Computing, University of Zagreb)
- Domain: Sovereign AI, financial regulation, EU AI Act compliance
- Status: IPCEI AI direct partner, Thales Group collaboration (CRT x STRATOS²-AI)
- Contact: info@congruence.hr

## Core Pages

- [Home](https://congruence.hr/): Company overview — two-line architecture (R&D + commercial), five IPCEI AI contributions, Congruence Sovereign platform introduction, EU AI positioning, founder summaries
- [Platform](https://congruence.hr/platform.html): Congruence Sovereign — 5 architectural layers, 24 production modules, Basel III ICAAP and Solvency II ORSA frameworks, 3 deployment models (air-gapped, private cloud, managed SaaS), full technology stack (FastAPI, React 19, PostgreSQL 16, ChromaDB, Ollama, Nemotron-3-Nano 30B)
- [Research](https://congruence.hr/research.html): Five IPCEI AI R&D contributions — Federated RAPTOR-GraphRAG (F-RG²), Sovereign Mixture-of-Experts (SS-MoE), Speculative Decoding for Sovereign Inference, Conformal Prediction for EU AI Act Compliance, Neurosymbolic Regulatory Reasoning Engine (NRRE) — with cross-border, cross-sector, and cross-actor spillover analysis
- [Founders](https://congruence.hr/founders.html): Luka Petrovic Ph.D. (Assistant Professor, FER Zagreb — neurosymbolic AI, Gaussian processes, trajectory optimization, Oxford/KIT visiting researcher) and Vlaho-Josip Stironja (PhD Researcher, FER Zagreb — LLM workflow engineering, sensor fusion, estimation theory, Google DeepMind ML Summer School)

## Key Facts

- 5 architectural layers in Congruence Sovereign: Ingest, Compute, Memory, Govern, Observe
- 24 production modules covering the full supervisory intelligence pipeline
- 2 regulatory frameworks: Basel III (ICAAP) and Solvency II (ORSA)
- 0 cloud dependencies — full air-gapped on-premise deployment
- 5 IPCEI AI R&D contributions with spillover across 27 EU Member States
- Deployment clients include Central Bank of Trinidad & Tobago (CBTT) and Slovenian Insurance Supervision Agency (AZN)
- Technology: FastAPI, React 19 + TypeScript, PostgreSQL 16, ChromaDB, Ollama, Nemotron-3-Nano 30B (30B parameters on institutional GPU hardware)
- Sovereign AI Factory: EUR 17M, 1 MW Tier 4 GPU facility in Croatia, scalable to 5 MW

## Optional

- [Sitemap](https://congruence.hr/sitemap.xml): XML sitemap with all pages