Integrity verified
ac217fc5-ad7c-45e3-baae-f8e517e591ea
credit risk assessment
Artifact lineage
🧭
credit risk assessment
ac217fc5…
verified
signed by
🔑
Ed25519
ed25519-prod-2025-02
This decision record has verified integrity. The decision "credit risk assessment" selected "CONDITIONAL APPROVAL". The record is signed with Ed25519 and appears in the public decision chain.
- credit risk assessment → Ed25519 (signed by)
Decision ID
ac217fc5-ad7c-45e3-baae-f8e517e591ea
Decision label
credit risk assessment
Selected outcome
CONDITIONAL APPROVAL
Integrity status
verified
Timestamp
July 12, 2026 at 10:42 AM UTC
Signature algorithm
Ed25519
Policy ID
credit-risk-policy
Policy version
v4.1
Model version
v2.3
Human override
No
Reason codes
payment_history_cleanincome_verifieddebt_ratio_within_thresholdrecent_derogatory_mark
Rationale summary
Referred to manual review: borderline risk score requires human judgment.
Cryptographic proof
Payload hash (SHA-256)c9e5ac6e8539e4342ae7852e…✓ verified
Previous hash6b461c305996391250d42aa1…
Record hashc460e7ce6d0b535afc296a46…
Signature (Ed25519)JxhcQHpGT5ylLweGEuTLr20D…✓ verified
Key IDed25519-prod-2025-02