When a credit decision is challenged by a borrower, the FCA, the FOS, or a legal team, you can prove exactly what happened, which model decided it, under which policy, and that the record has never been altered.
Provider logs tell you what happened inside their system. EraProve tells you what happened in the decision—and lets anyone verify it themselves.
UK and EU consumer lending, BNPL, and credit-decisioning platforms.
When an automated lending decision is challenged under Article 22 of the GDPR or FCA CONC regulations, pointing to fragmented application logs scattered across AWS CloudWatch and internal databases isn't enough. Internal logs can be altered.
Logs only prove what a specific microservice did at a specific time. They are strictly internal, fundamentally mutable by sysadmins, and do not tell the complete story of a regulatory decision.
EraProve captures the entire context of a decision (borrower inputs, model outputs, policy flags) at the exact moment it occurs, hashes it into a canonical Case File, and anchors it to an immutable public ledger. It is cryptographically tamper-evident.
Send us a standard JSON payload via our API immediately after your decision engine fires. We handle the canonicalization, hashing, cryptographic chaining, and long-term tamper-evident storage.
No heavy integrations. Just a single secure endpoint integrated into your existing decisioning workflow.
Our core API utilizes strict "Vertical Packs" to ensure data completeness. The UK Consumer Lending pack enforces 7 specific field groups mapped directly to FCA CONC and ICO ADM guidance requirements.
Unique references binding the decision to your internal application IDs and timestamps.
The exact state of the applicant's declared data at the millisecond the decision was made.
Specific scoring inputs derived from third-party CRA data or internal alternative data models.
The final binary or tiered outcome (Declined, Approved, Referred), alongside the specific policy version.
Crucial for GDPR Art. 22 compliance: recording whether the decision was fully automated or human-in-the-loop.
The primary reason codes or feature importance values that triggered a negative decision.
Integrate in days. Protect every decision in perpetuity.
Proof of value over 60 days in a staging environment.
Production-grade decision trust for consumer lenders.
For high-volume institutions needing custom data residency.