AI-assisted decisions your examiners can verify.
Underwrite, approve, and deny with AI — and preserve the evidence supervisors, auditors, and counsel will ask for.
BANKABIL binds every AI-assisted credit decision to a portable Ink Receipt: inputs, model context, issuer, and time, sealed into a record that can be reconstructed and independently verified long after the decision is made.
- DecisionApproval, denial, exception, override.
- InputsApplicant data, bureau pulls, policy version.
- Model contextProvider, version, parameters, prompts.
- IssuerBank, business unit, decisioning officer.
- VerificationIndependent integrity check, any time.
Evidence that survives independent review.
Adverse-action defensibility
Reconstruct the exact decision basis for any denial, months or years after the fact.
Model governance evidence
Show that AI-assisted decisions ran inside declared controls, not around them.
Examiner-ready bundles
Hand supervisors a portable evidence package, not a screenshot or a CSV export.
Vendor AI oversight
Capture verifiable records for third-party models embedded in regulated workflows.
Internal audit acceptance
Give second and third lines of defense evidence they can verify without the platform.
Litigation hold integrity
Tamper-evident records that survive scrutiny in disputes and enforcement actions.
Designed for banks.
Every decision reconstructible from the receipt alone.
Verifiable outside the originating system.
Moves cleanly between bank, auditor, insurer, regulator.
Evidence persists beyond models, vendors, and staff turnover.