A defensible record for every AI decision your bank makes
From credit and lending to KYC, AML and transaction monitoring, banks are putting AI into the decisions regulators scrutinise most. Aegis Trace captures one signed, independently verifiable certificate for every AI decision, ready the moment a regulator, ombudsman or auditor asks.
Defensible by design
Every AI-driven lending, credit, KYC or AML decision is captured as a signed, tamper-proof record at the moment it is made.
Ready when the regulator asks
Prove an individual credit or KYC decision was compliant months or years later, on demand, with no reconstruction scramble.
Mapped to your regimes
Each decision maps to the rules that govern it, across the jurisdictions your bank operates in.
Independently verifiable
Exports are signed and verifiable by anyone who holds them, so the evidence stands on its own.
The decision is instant. The reckoning comes later.
AI now runs the credit, KYC and AML decisions regulators scrutinise most, and they happen at machine speed. The defensible record is not created alongside them, so when one decision is questioned months or years later, the exposure is the scramble to reconstruct what the model did and why.
Decisions at machine speed
Lending, screening and monitoring decisions are made in milliseconds, far faster than any manual record can keep pace with.
The liability sits with the bank
When a decision is challenged, the duty to evidence it rests with the firm that made it, not with the model or its vendor.
The evidence is demanded later
A regulator, ombudsman or auditor can ask you to justify a single decision long after it was made, when the inputs and rationale are hardest to recover.
Under the EU AI Act, high-risk credit systems carry record-keeping obligations from 2 August 2026, with penalties up to €15M or 3% of global turnover. FCA rules (SYSC 9) require records to be kept for 5 years. Explore the regimes in Atlas.
The decisions that carry record-keeping duties
AI now shapes decisions that have always had to be evidenced. They happen at machine speed; the defensible record does not get created alongside them. Aegis Trace closes that gap across the decisions your bank makes.
Credit and lending
Approvals, declines and limits, each with the inputs and rationale behind them on the record.
KYC and AML
Onboarding, screening and financial-crime decisions, evidenced for the audits that follow.
Account and transaction decisioning
Decisions made at machine speed, captured with a defensible record created alongside them.
Affordability
Affordability assessments evidenced against the fair-outcome duties you report on.
The record already exists when the regulator asks
Aegis Trace captures one signed, independently verifiable, tamper-evident certificate for every AI decision, the moment it is made. There is no reconstruction scramble: the defensible record is produced on demand, and it stands on its own years later.
- One signed, tamper-evident certificate per decision
- Independently verifiable, with no Aegis Trace account
- Still verifiable years after the decision was made
- PII redacted at source, before any record leaves your network
Mapped to the obligations that apply to you
- FCA Consumer Duty
- EU AI Act (Annex III, high-risk credit)
- UK Data (Use and Access) Act 2025
- MiFID II
See it on the decisions you make
AI Credit Decisioning
An AI credit model declines a mortgage. The borrower appeals. One signed decision record, full provenance, defensible.
AML & Financial Crime
An AI monitoring system escalates, or suppresses, a suspicious-activity alert. The regulator asks the firm to evidence each call. Every decision is on record.
Algorithmic Trading
A trading algorithm acts through a volatile session. The FCA requests a full reconstruction, exportable in MiFID II format.
Prove every AI decision. Before the regulator asks.
See how compliance, risk and audit teams in banking use Aegis Trace, or talk it through with us.