All use cases
AI Credit Decisioning
An AI credit model declines a mortgage. The borrower appeals. One signed decision record, full provenance, defensible.
The situation
An AI credit model declines a mortgage application. The borrower appeals and the lender must defend the decision, the inputs that drove it, the model version, and proof the record reflects what actually happened, not a reconstruction. Aegis Trace produces one signed decision record with full provenance, so the appeal is met with evidence rather than narrative.
The regulations
- FCA CONC
- Consumer Duty
- GDPR Article 22
- Equality Act
- ECOA (US)
The evidence
The credit decision is recorded with its full provenance.
POST /v1/decisions
{
"decision": "decline_mortgage",
"regime": "FCA_CONC",
"inputs": { "affordability_ratio": 0.61, "ltv": 0.92 },
"model": { "name": "credit-engine", "version": "7.4.0" }
}A defensible, signed decision record.
{
"certificate_id": "crt_cr_9e33",
"status": "sealed",
"decision": "decline_mortgage",
"regime": "FCA_CONC",
"issued_at": "2026-03-14T09:21:07Z",
"inputs_hash": "sha256:3f8a…c1d2",
"model": { "name": "decision-engine", "version": "4.2.1" },
"signature": {
"alg": "ed25519",
"value": "MEUCIQD…Qz9w",
"anchored": "rfc3161"
}
}What the regulator receives
A single signed record showing the affordability inputs, the model version, and tamper-evident proof of provenance, a decline that holds up on appeal.