An agent that underwrites the way your bank does — trained on your history, your decisions and your policy.
The review queue — every application analysed on arrival.
Specialist agents work every file your engine refers to manual review — each pulling its own evidence, each writing back what it found.
Today, that means merchant underwriting — verifying category, ownership, adverse media and exposure on every application. The same agent framework extends to any manual-review workflow your policy requires.
Declared category tested against the merchant's real activity.
Entity, principal, ownership and documentary ID verified.
Screening hits investigated, then cleared or escalated.
Missing items identified and requested from the merchant.
Estimated exposure (MCE) re-derived from evidence, not assumption.
Your own relationship and transaction history brought in.
Why the risk moved, what was checked, what would change the call. Plain language in, answers sourced from the file's own evidence out.
Every estimate decomposes into the checks behind it.
Your decisions, reasoning and SOPs become the graph the agents reason against.
Thresholds, escalation and autonomy limits are yours to set and change.
We build the specialist agents you need that don't exist yet.
Sits behind Alloy, Payabli or any engine over an API. Nothing replaced.
The full agent stack deploys inside your own cloud boundary. No data to the open internet or a third-party model endpoint.
Written rationale and a traceable evidence chain on every decision, generated as the work happens.
The system recommends; your underwriter decides. Limits and thresholds are your configuration.
The same policy applied the same way to every file. Overrides captured and fed back.
For a product demo, reach out to our team at DiscreteKernel.
contactus@discretekernel.com