All use cases
Wealth Management
An AI suitability engine recommends reducing a client's position. Six months on, the FCA asks why. The signed certificate is already there.
The situation
A wealth manager's AI suitability engine recommends reducing a client's exposure during a market shift. Months later the FCA opens a review and asks the firm to evidence why that specific recommendation was made, the inputs, the model, the rationale, and that nothing was altered after the fact. With Aegis Trace, the signed decision certificate was sealed the moment the recommendation was issued.
The regulations
- FCA Consumer Duty
- MiFID II suitability
- SM&CR
- FCA SYSC
The evidence
The suitability engine records the decision as it is made.
POST /v1/decisions
{
"decision": "reduce_position",
"client_risk_profile": "balanced",
"inputs": { "exposure": 0.72, "volatility_signal": "elevated" },
"regime": "FCA_CONSUMER_DUTY",
"rationale": "Exposure exceeds target band for risk profile"
}Aegis Trace returns a tamper-evident certificate.
{
"certificate_id": "crt_wm_8f21",
"status": "sealed",
"decision": "reduce_position",
"regime": "FCA_CONSUMER_DUTY",
"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 certificate proving which inputs drove the recommendation, which model version produced it, the rationale at the time, and cryptographic proof the record was never modified.