Generic Agnostic AI and Distributed Ledger Enterprise System for Scalable Domain Adaptation

This paper presents a formal system model integrating artificial intelligence and decentralised verification in higher education, aligned with European regulatory frameworks. The architecture comprises two components: EduAI, a multi-agent AI framework structured by institutional roles; and EduDVS, a distributed verification system for regulatory audit, credential authentication, and tamper-evident recordkeeping. Legal instruments such as the GDPR, EU AI Act, EQF, ECTS, and ESG are encoded as structural constraints. The system also supports financial regulations including MiFID II, MiCA, AMLD, DORA, and Swiss counterparts (FMIA, FinSA, FADP). EduAI agents are defined by stakeholder class and governed by a constrained optimisation function ensuring compliance with legal boundaries. EduDVS operates on a DAG-based, permissionless ledger maintained by a federated academic consortium. It supports verifiable academic tokens, programmable stablecoins, and audit-ready interactions. The combined model offers a regulatory-compliant infrastructure with practical use in cross-border academic environments. The framework enables regulatory prototyping, governance simulation, and structured empirical validation.