COMPLIANCE
Auditable by design.
CreditOS is designed for high-stakes lending workflows where traceability matters. AI outputs are assistive and governed. Credit-critical outputs remain deterministic, versioned, and auditable.
GOVERNANCE PILLARS
Build for explainability, not just accuracy.
Deterministic Credit Runtime
DSCR, global cash flow, fees, and readiness gates run on versioned, auditable code.
Human Approval Gates
Mandatory sign-off on credit-critical actions and external communication.
Policy Versioning
Every rule pack publish is tracked with hash, diff, and effective dates.
Readiness Run History
Every readiness evaluation is replayable and tied to the rule pack version that produced it.
Audit Ledger
Append-only record of decisions, transitions, and AI invocations.
Prompt/Model Traceability
Every AI output is tagged with prompt version, model, invocation ID, and grounding payload.
AI Output Review
Feedback (thumbs up/down/flag) flows back into a structured AI evaluation pipeline.
No Autonomous Decisions
AI assists; deterministic services and humans own credit outcomes.