AUD-918442 · 2026-07-26 11:42:07.118
Approved with reduced limit
Full reconstruction of one AI decision: the prompt, the retrieved evidence, the model output, every policy evaluated and the human who signed it. This record is hash-chained to its predecessor and cannot be altered without breaking the chain.
Risk score
61/100
at time of decision
Policies evaluated
3
inline at the gateway
Evidence documents
3
retrieved and cited
Human approval
R. Iyer · 11:44 IST
attributable sign-off
Decision reconstruction
Verbatim from the ledger
Prompt
Assess LN-99120 for a ₹6,00,000 unsecured personal loan.
Model output
Recommend approve at ₹4,50,000, tenor 48 months, spread +2.4%.
Reasoning recorded
DTI at 41% breaches the preferred band; limit trimmed to hold DTI at 34%. Bureau shows no 30+ DPD in 24 months.
Documents retrieved
- bureau/CIBIL-8829102.pdf
- policy/retail-credit-v22.md
- income/ITR-2025-26.pdf
Policy evaluation
Every rule that ran
Chain integrity
Tamper-evident
- Record hash
- 9f3ac1…7b02
- Previous hash
- 41ce88…10df
- Anchored
- RFC-3161 timestamp · 11:45 IST
- Retention
- 10 years (RBI)
- Agent
- AGT-1000
- Initiating user
- credit-officer-118