CLAIR-Fin: An Adversarial Multi-Agent Framework for Claim-Level Verification and Adaptive Debate in Cross-Modal Financial QA

arXiv:2608.13706v1 Announce Type: new Abstract: Existing defenses against hallucination in retrieval-augmented and multi-agent pipelines remain partial: evidence is trusted despite modality disagreement, debate verifies an aggregate report rather than individual claims, and such verification occurs only after drafting, leaving inter-agent errors undetected until the final text. To close this gap, we present CLAIR-Fin, a nine-agent framework that decomposes each question into atomic claims maintained in a typed Financial Claim Ledger. Each claim is resolved through Asymmetric Evidence Authority, which conditions evidence trust on claim type rather than treating all modalities as equally reliable; Chain-of-Custody Verification, which checks grounding at the hand-off between drafting and adversarial review rather than only at the pipeline's exit; an Adaptive Rebuttal Cycle, which routes contested claims through adversarial debate whose depth scales with what that debate finds; and a terminal entailment audit paired with a continuous Hallucination Risk Index that distinguishes claims that passed scrutiny from claims never contested. We evaluate CLAIR-Fin on BB-FinQA-X, a 500-question cross-modal financial evaluation set built from Bangladesh Bank Annual Report material, stratified by query type, format, and difficulty. Relative to a single-pass retrieval-augmented generation baseline, it raises faithfulness ($0.780 \rightarrow 0.889$) while abstaining on 5.4% of questions when evidence is insufficient rather than forcing an unsupported response, and it exceeds stronger retrieval-strategy baselines such as HyDE and Graph-RAG on faithfulness ($\leq 0.874$).

Abstract:Existing defenses against hallucination in retrieval-augmented and multi-agent pipelines remain partial: evidence is trusted despite modality disagreement, debate verifies an aggregate report rather than individual claims, and such verification occurs only after drafting, leaving inter-agent errors undetected until the final text. To close this gap, we present CLAIR-Fin, a nine-agent framework that decomposes each question into atomic claims maintained in a typed Financial Claim Ledger. Each claim is resolved through Asymmetric Evidence Authority, which conditions evidence trust on claim type rather than treating all modalities as equally reliable; Chain-of-Custody Verification, which checks grounding at the hand-off between drafting and adversarial review rather than only at the pipeline's exit; an Adaptive Rebuttal Cycle, which routes contested claims through adversarial debate whose depth scales with what that debate finds; and a terminal entailment audit paired with a continuous Hallucination Risk Index that distinguishes claims that passed scrutiny from claims never contested. We evaluate CLAIR-Fin on BB-FinQA-X, a 500-question cross-modal financial evaluation set built from Bangladesh Bank Annual Report material, stratified by query type, format, and difficulty. Relative to a single-pass retrieval-augmented generation baseline, it raises faithfulness ($0.780 \rightarrow 0.889$) while abstaining on 5.4% of questions when evidence is insufficient rather than forcing an unsupported response, and it exceeds stronger retrieval-strategy baselines such as HyDE and Graph-RAG on faithfulness ($\leq 0.874$).

Computation and Language (cs.CL); Artificial Intelligence (cs.AI)

arXiv:2608.13706 [cs.CL]

(or arXiv:2608.13706v1 [cs.CL] for this version)

https://doi.org/10.48550/arXiv.2608.13706 Focus to learn more arXiv-issued DOI via DataCite (pending registration)

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CLAIR-Fin: An Adversarial Multi-Agent Framework for Claim-Level Verification and Adaptive Debate in Cross-Modal Financial QA

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