Integrity verified
c1710c3e-307d-42cd-b2a2-3cdfeb9c8ee3
credit risk assessment
Artifact lineage
🧭
credit risk assessment
c1710c3e…
verified
signed by
🔑
Ed25519
ed25519-prod-2025-02
This decision record has verified integrity. The decision "credit risk assessment" selected "DECLINED". The record is signed with Ed25519 and appears in the public decision chain.
- credit risk assessment → Ed25519 (signed by)
Decision ID
c1710c3e-307d-42cd-b2a2-3cdfeb9c8ee3
Decision label
credit risk assessment
Selected outcome
DECLINED
Integrity status
verified
Timestamp
April 12, 2026 at 03:22 PM UTC
Signature algorithm
Ed25519
Policy ID
credit-risk-policy
Policy version
v3.0
Model version
2025.09
Human override
No
Reason codes
thin_credit_fileincome_verifieddebt_ratio_within_thresholddti_marginal
Rationale summary
All primary risk indicators within policy thresholds. Score above approval floor.
Cryptographic proof
Payload hash (SHA-256)3bedc278a33c6bb68d9deb40…✓ verified
Previous hashdec54e2d979ef8e8006b8ac8…
Record hash75c60feb43928b0b3536f93f…
Signature (Ed25519)UxfhymUQHncV6C6gLvl339/L…✓ verified
Key IDed25519-prod-2025-02