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Task tsk_7662c81211aedeafpayments · 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: 'thin file + positive alt-data — decision ambiguous.'
primary_claim: ambiguous
TBV verifier re-reasoning
verdict: —confidence: 0.69
No traditional FICO, but alt-data positive. Policy allows manual review for thin-file applicants.
Source data provenance
fico: null
alt_data: positive
file_depth: thin
Final verdict
(pending)
Resolver tier
—
Status
human needed
Prompt
Primary LLM: 'thin file + positive alt-data — decision ambiguous.'
Context
{
"fico": null,
"alt_data": "positive",
"file_depth": "thin",
"primary_claim": "ambiguous"
}Attempts
- agentverdict: —confidence: 0.69
No traditional FICO, but alt-data positive. Policy allows manual review for thin-file applicants.