Banking · Deterministic · Certified · Auditable

Deterministic Policy Enforcement for Regulated Banking.

Compile banking policy into certified decision packages. Execute deterministically with full audit trail, traceable reason codes, and governed builds. Banking rules compile into the same certified decision packages used across the platform. AI assists at build time — runtime decisions are deterministic and reproducible.

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Zero AI at runtime. Deterministic. Auditable. Traceable.

The problem in banking

Lending decisions lack consistency

Loan officers apply guidelines differently. Identical applications receive different outcomes depending on who reviews them. Credit and underwriting rules should be deterministic and auditable — not dependent on which officer handles the case.

KYC/AML rules are fragmented

Compliance rules are spread across systems, spreadsheets, and manual processes. Sanctions screening and jurisdiction checks are enforced inconsistently. Sertainly compiles them into versioned, certified decision packages with traceable reason codes.

Regulatory audits require reconstruction

Reconstructing why a decision was made requires weeks of log archaeology across multiple systems. Every decision should carry a signed trace — not require forensic reconstruction after the fact.

How Sertainly Helps

Credit & Underwriting

Lending criteria compiled into deterministic decision packages. Applications evaluated against credit score thresholds, DTI/LTV limits, and risk-tier rules.

  • Credit score thresholds and risk-tier classification by product
  • DTI and LTV limit enforcement with traceable reason codes
  • needs_info returned when required disclosures are missing
  • Manual review triggers with structured escalation codes

KYC / AML Compliance

Sanctions screening, jurisdiction restrictions, and documentation requirements compiled into certified decision packages with full audit trail.

  • Sanctions screening rules with deterministic match criteria
  • Jurisdiction and country restriction enforcement
  • Required documentation checks with structured needs_info
  • Escalation thresholds with traceable reason codes for regulators

Rates, Fees & Product Rules

Interest rate tables, fee schedules, and product eligibility rules versioned and executed deterministically across all channels.

  • Interest rate tables by product type and customer tier
  • Fee schedules with state and jurisdiction-specific rules
  • Product eligibility determination by customer profile
  • Version-pinned rate logic with certified builds and provenance

Loan eligibility: mortgage pre-qualification

A mortgage application is submitted for evaluation. Sertainly checks DTI ratio, LTV, and credit requirements, returning a deterministic verdict with full trace.

evaluate_case input

{
  "package_id": "mortgage_policy",
  "version": "3.0.0",
  "case": {
    "applicant": {
      "annual_income": 125000,
      "monthly_debt": 2800,
      "credit_score": 742
    },
    "loan": {
      "amount": 450000,
      "property_value": 550000,
      "term_years": 30,
      "type": "CONVENTIONAL"
    }
  }
}

evaluate_case output

{
  "verdict": "compliant",
  "reason_codes": [
    "DTI_WITHIN_LIMIT",
    "LTV_ACCEPTABLE",
    "CREDIT_TIER_A"
  ],
  "derived": {
    "dti_ratio": 0.268,
    "ltv_ratio": 0.818
  },
  "trace_id": "tr_ln_3c7f…"
}

Ready to get started?

Enterprise plans include dedicated runtime, governance workflows, certified builds, VPC deployment, and full audit controls.

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Ready for deterministic, auditable banking decisions?

Compile policy into certified decision packages. Execute deterministically with full trace, provenance, and audit controls. Same decision layer across every use case.

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