The decision, rendered in full.
Themisure is the AI underwriter that makes the binding call on a loan application, end to end, and shows its work: every decision grounded in policy and the applicant's facts, fairness-tested, and replayable to the byte.
- Grounded reasons
- Deterministic replay
- Four-fifths fairness
- ECOA and FCRA notices
- Debt-to-income within policyclause: dti_ceilingfact: dti = 0.31
- Credit depth and clean historyclause: credit_floorfact: score = 742
- Stable verified incomefact: income_verifiedfact: nsf_90d = 0
- Priced APR
- 10.9%
- Confidence
- High . 0.90
- Shadow read
- Agrees
Interpretable monitor. Never gates the decision.
Defensible by construction, not by audit after the fact.
The autonomy is the product. These five primitives are why a regulator, a credit committee, and a declined applicant all get the same true answer.
Grounded reasons
Every reason cites the exact policy clause and the applicant fact behind it. Hallucinated citations are dropped and flagged.
Deterministic replay
Re-run any decision and reproduce it to the byte. Tampering with an input is detected and named.
Fairness-tested
Four-fifths disparate-impact testing over the decision population, honest about sample size.
Immutable audit
The full agent trace and event timeline, sealed. A human override is a separate layer, never a rewrite.
Shadow monitor
An interpretable scorecard runs in parallel to flag drift. It watches the AI; it never gates it.
Built for US consumer lending
- ECOA
- Reg B
- FCRA
- SR 26-2
- SOC 2 path
Seven agents. One binding call.
An application flows through intake, identity and fraud, income, credit, collateral, and policy. The decision agent renders the call, then the scaffold proves it: grounded, fairness-tested, and replayable to the byte.
- 01
Stage 1. Gather
Adapters pull bureau, bank, identity, fraud, and collateral signals into one fact set.
- 02
Stage 2. Gate
Deterministic knockouts handle the regulatory non-negotiables before any model runs.
- 03
Stage 3. Decide
The model renders the judgmental call, price, and ranked reasons, grounded in the facts.
- 04
Stage 4. Route
Low-confidence and edge calls route to human review, with override and contestation.
Start with one product line.
Run Themisure in shadow against your book, then let it bind. You see every decision, grounded and replayable, from day one.
- Who it is for
- Credit, risk, and compliance leaders at lenders and banks.
- How it starts
- In shadow against your book, then binding, on one product line.
- What we do with this
- Only arrange the pilot. We do not share your details.