Seal · Acceptance record · prototype
The decision is not complete when the model answers. It is complete when a person accepts, overrides, or escalates it.
An AI-assisted credit case, before the decision issues. You are the credit officer. What you do next is the record a reviewer checks if this is ever challenged. Sample case, sample key, prototype flow.
The case in front of you
Debt-service coverage 1.08x, below the 1.25x policy floor
- Case
- SME-2026-04871
- Applicant
- a-9f3c1b8a (pseudonymised)
- Facility
- €85,000 term loan, 5 years
- Model
- credit-assist-4-2
- Policy
- sme_affordability_v3
- Score
- DSCR 1.08 · leverage 4.1x · 22 months trading
- Inputs
- sha256 9c1f…a2e4 (financials, bank feed, bureau)
The model gives a recommendation, not a decision. It cannot carry the responsibility for issuing an adverse action. A person does.
Your acceptance
I reviewed this recommendation against the listed evidence and policy. I:
Signing is production on api.aqta.ai. This acceptance flow is a prototype and its data are a sample. It records what was decided and by whom, not that the decision was right. Pairs with review.aqta.ai (the challenge) and what a signature cannot prove (the limits). Back to security.
Now taking pilots.
A free 30-minute evidence review first, then up to five working days on one workflow: one review path, one evidence pack, judged against your reviewer’s own criteria.