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Task tsk_6fadc37e6e1498c1payments · api/payments/credit/decision
Regulator-ready audit trail
Credit / BNPL
Applicable regulation
ECOA Reg B § 1002.9 · Fair Lending (disparate impact)
Primary AI decision
Primary LLM: 'APPROVE — FICO 720, DTI 28%, clean profile.'
primary_claim: approve
TBV verifier re-reasoning
verdict: approveconfidence: 0.95
Standard approval. Within policy limits. No ECOA concerns.
Source data provenance
fico: 720
dti: 0.28
credit_line_requested: 5000
Final verdict
approve
Resolver tier
TBV verifier (agent)
Status
completed
Prompt
Primary LLM: 'APPROVE — FICO 720, DTI 28%, clean profile.'
Context
{
"fico": 720,
"dti": 0.28,
"credit_line_requested": 5000,
"primary_claim": "approve"
}Attempts
- agentverdict: approveconfidence: 0.95
Standard approval. Within policy limits. No ECOA concerns.
Final verdict: approve (via agent)
Provide feedback
Confirm the verdict, override it, or just leave a note. Leave verdict blank to confirm as-is.