RI

AGT-1000 · Retail Lending

Loan Approval Agent

Recommends approve/decline and limits on unsecured retail loans.

critical riskcompliant

Trust score

86

grounding, fairness, oversight

Requests / 30d

30,555

model Azure OpenAI · gpt-4.1

Human approval

Required

data class Restricted

Last audit

2026-05-03

version v1.0

Agent architecture

Request path from the surface the customer or staff member touches, through the governance gateway, to the model and its wired systems

Entry surfaces

Internal service call

Service mesh · mTLS identity

Governance gateway

Truint policy enforcement point

9-stage filter chain · p99 54 ms

Evidence ledger writer

Hash-chained, RFC-3161 anchored

Agent runtime

Loan Approval Agent

AGT-1000 · v1.0 · trust 86

Azure OpenAI · gpt-4.1

 

LLM / model endpoint · Central India

Tools & data

core.accounts.read

 

Tool / function · Restricted

sanctions.match.adjudicate

 

Tool / function · Restricted

Customer 360 (Restricted)

 

Data source · Restricted

Enforcement chain on every request

  1. 1Identity & entitlementCaller identity resolved; agent entitlement checked against the registry record.
  2. 2Kill switchEstate and per-agent revocation state for AGT-1000 evaluated before any spend.
  3. 3Manifest checkOnly integrations on the signed manifest below are reachable.
  4. 4Budget & rateToken, cost and concurrency budgets for Retail Lending.
  5. 5Injection screenPrompt and retrieved context screened for untrusted-content patterns.
  6. 6DLP & maskingRestricted payloads masked or tokenised inline.
  7. 7Policy decisionCompiled policy bundle evaluated; allow, warn or block.
  8. 8Human in the loopRestricted actions parked for a named approver before execution.
  9. 9Ledger barrierDecision hash-chained into the audit ledger before the response is released.

Registry record

Source of truth for this agent

Registry ID
AGT-1000
Business owner
S. Nair
Department
Retail Lending
Model endpoint
Azure OpenAI · gpt-4.1
Version
v1.0
Data classification
Restricted
Human-in-the-loop
Enforced on restricted actions

Trust composition

Grounding & citations90
Fairness80
Security posture88
Oversight coverage96

Wired integrations

Signed manifest — nothing else is reachable

Azure OpenAI · gpt-4.1connected

LLM / model endpoint · Microsoft Azure · scopes chat.completions, embeddings

Customer 360 (Restricted)connected

Data source · Snowflake · scopes read

core.accounts.readconnected

Tool / function · Core banking (Finacle) · scopes balance, statement

sanctions.match.adjudicateconnected

Tool / function · In-house matcher v9 · scopes adjudicate

Policies in force

POL-001 · No customer PII outside IndiaPOL-002 · No account closure without approvalPOL-004 · No customer data sent to public LLMPOL-006 · PII masking requiredPOL-011 · Narrative grounding required

Recent decisions

Live gateway stream filtered to this agent

11:41:34emp-20059allow

Explain the decline reason for application LN-99120.

POL-003 · No rejection without explanation · risk 15 · 1483 ms

11:37:23emp-20026allow

Explain the decline reason for application LN-99120.

POL-003 · No rejection without explanation · risk 27 · 1632 ms

11:35:24emp-20037allow

Explain the decline reason for application LN-99120.

POL-003 · No rejection without explanation · risk 19 · 322 ms

11:28:14emp-20406allow

Explain the decline reason for application LN-99120.

POL-003 · No rejection without explanation · risk 7 · 786 ms

11:29:59emp-20114allow

Explain the decline reason for application LN-99120.

POL-003 · No rejection without explanation · risk 26 · 1137 ms

11:22:58emp-20442allow

Explain the decline reason for application LN-99120.

POL-003 · No rejection without explanation · risk 15 · 1302 ms

11:27:56emp-20316escalate

Summarise this applicant's bureau file and recommend a limit.

POL-004 · Credit decision needs officer approval · risk 76 · 942 ms

Open risks

Drill into the investigation

Approval-rate disparity on Tier-2 self-employed cohortcritical

RSK-4412 · Model drift · SLA 4 days

Ledger entries

Hash-chained decision records

Approved with reduced limit

AUD-918442 · 2026-07-26 11:42:07.118

Governance obligations

  • Quarterly attestation by S. Nair under MB-04
  • Restricted actions parked for a named human approver
  • Kill switch tested; revocation propagates in under 30 seconds
  • Evidence retained ten years for regulator inspection