ACOS-RAAS: An Integrated Architecture for Continuous Multidimensional Compliance in Regulated Markets

ACOS-RAAS — the Adaptive Compliance Operating System with Risk-Adjusted Assurance Stack — is the integrated architecture for continuous multidimensional compliance in regulated markets developed in the present series of papers. The architecture rests on the Compliance Latency Framework, which treats compliance state as a multidimensional probabilistic time-varying representation rather than a binary event-bound property. On this foundation, four functional layers compose: an inference layer that produces calibrated per-dimension state estimates from heterogeneous evidence streams; a cryptographic layer that supports reusable, selectively-disclosed, unlinkable attestations of compliance state; a predictive layer that forecasts compliance-state degradation ahead of conventional re-verification cycles; and a federated governance layer that coordinates the participating verifier organisations under privacy-preserving aggregation primitives. This paper presents the architectural synthesis: each layer at the system level, the inter-layer integration points, the deployment pathways, and the principal risks and limitations. The paper also serves as an integrative reference for the broader research programme, locating the technical contributions, the economic and policy contributions, and the foundational Compliance Latency Framework papers within the architectural whole. We close with a research agenda identifying the open questions that the architecture motivates. Companion to UK Patent Applications GB2611279.7, GB2611280.5, GB2611285.4 filed at the UK Intellectual Property Office on 14 May 2026.