RI

Evidence

Audit center

Every AI decision is written to an append-only, hash-chained ledger before the response is released. An action that cannot be logged is not permitted to execute.

Ledger records (quarter)

4,812

WORM retention · 8 years

Chain integrity

100%

verified 04:00 IST today

RFC-3161 anchored

Evidence artefacts

1,946

linked to 41 controls

Regulator packages

6

2 RBI · 3 MAS · 1 internal audit

Ledger write volume

Decision records and linked evidence artefacts, last 14 days

Evidence corpus

What a regulator package is assembled from

Decision records · 4,812Model cards · 96Eval reports · 412Approval sign-offs · 638

Decision records

Expand a record for the full input, reasoning, policy evaluation and approval trail

chain verified

Record

AUD-918442

User

credit-officer-118

Prompt

Assess LN-99120 for a ₹6,00,000 unsecured personal loan.

Output

Recommend approve at ₹4,50,000, tenor 48 months, spread +2.4%.

Retrieved documents

  • bureau/CIBIL-8829102.pdf
  • policy/retail-credit-v22.md
  • income/ITR-2025-26.pdf

Reasoning

DTI at 41% breaches the preferred band; limit trimmed to hold DTI at 34%. Bureau shows no 30+ DPD in 24 months.

Policy evaluation

POL-003 · passPOL-005 · hitlPOL-006 · pass

Approval

R. Iyer · 11:44 IST

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Evidence hash chain

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this 9f3ac1…7b02