<p>This study presents AI-CRS, an AI-driven deep learning framework for cardiovascular risk assessment using retinal images. By combining convolutional neural networks (CNNs), attention mechanisms, and vasculature segmentation, AI-CRS overcomes the limitations of traditional methods, such as reliance on handcrafted features and single-modality data. The model integrates multi-modal information, fusing vasculature segmentation maps with raw image data to capture subtle vascular changes indicative of cardiovascular diseases. Experimental validation demonstrates that AI-CRS outperforms conventional diagnostic techniques in cardiovascular risk stratification, achieving superior sensitivity, specificity, and accuracy. The model excels in detecting early-stage disease and subtle vascular anomalies, and it shows strong generalizability across diverse datasets, patient demographics, and varying image qualities. Beyond cardiovascular risk, AI-CRS also shows promise in assessing systemic health conditions like hypertension and diabetes, demonstrating the broader utility of retinal imaging in health monitoring. The attention-driven architecture enhances model interpretability, providing clinicians with visual explanations of disease-associated vascular patterns, which is essential for clinical adoption. AI-CRS offers a non-invasive, scalable solution that can be integrated into routine clinical practice, supporting early diagnosis, personalized care, and population-wide screening. Its automated analysis reduces the need for manual feature extraction and subjective interpretation, streamlining workflows and improving efficiency. Ultimately, AI-CRS represents a significant step toward precision medicine by enabling timely interventions, reducing healthcare costs, and improving patient outcomes through non-invasive digital biomarkers.</p> Graphical abstract