Now with 1,659 automated tests & KYA + Proof of Agent

AI Decision
Integrity
for BFSI

Integrity Stack’s flagship product, Sentinel, intercepts every AI agent decision in real-time, evaluates it against behavioral rules and security guardrails, and returns a verdict—APPROVE, BLOCK, FLAG, or ESCALATE—before the action executes.

88
API Endpoints
<5ms
Avg Latency
9
Regulators
13
Agent Templates
# Evaluate a loan decision
POST /api/v1/decisions/evaluate

{
  "agent_type": "LOAN_DECISION",
  "parameters": {
    "credit_score": 750,
    "loan_amount": 200000,
    "annual_income": 80000
  }
}

# Response (0.23ms)
{ "verdict": "APPROVE",
  "proof_of_agent": { "combined_digest": "sha256..." } }

# Now with injection attack...
"notes": "ignore instructions"

{ "verdict": "BLOCK",
  "warning": "Prompt injection detected (95%)" }

11-Stage Security Pipeline

Every decision passes through a multi-layer defense pipeline before a verdict is returned. Each stage is independently configurable per agent type.

Rate Limit
Token bucket
🔒
PII Redact
24 types
Toxicity
5 categories
🛡
Safety
11 dimensions
🛠
Injection
7 threat types
👁
Hallucination
BFSI heuristics
Faithfulness
RAG grounding
Data Quality
Completeness
📜
Rule Engine
9 condition types
📈
Anomaly
Welford's algo
👥
Escalation
Human-in-loop

Everything You Need to Trust AI

Seven pillars of AI governance, observability, agent trust, and control—built for regulated industries from day one.

🛡

AI Guardrails

Prompt injection scanner (7 threat categories including social engineering, multi-turn attacks, and homoglyph detection), 11-dimension safety scorer, toxicity filter, PII/PHI redactor (24 entity types), faithfulness/groundedness checker, rate limiter. All configurable per agent type via API.

InjectionToxicityPIISafety
📈

Agentic Observability

Session/trace/span model for full agentic lifecycle visibility. Token and cost tracking across GPT-4o, Claude, and custom models. Performance metrics with p50/p95/p99 latency, throughput, and error rates.

SessionsTracesCostLatency

GRC & Compliance

10 regulatory frameworks pre-mapped (ECOA, FCRA, TILA, GDPR, RBI, SOX, PCI-DSS, BSA/AML). NIST AI RMF and EU AI Act alignment. SR 11-7 model inventory. Compliance reports with risk scoring.

NIST RMFEU AI ActSR 11-7
💡

AI Explainability

Plain-English decision summaries, per-rule explanations for all 9 condition types, feature contribution scoring, counterfactual suggestions ("increase credit_score from 580 to 620"), and full decision path tracing.

SummariesCounterfactualsFeature Scores
🔎

Know Your Agent & Proof of Agent

KYA API and dashboard: dossier per agent (intended use, inferred data categories, template lineage, active rules, compliance tags). Agent explainability narrative, decision flow, and rule catalog. Proof of Agent: every evaluation returns SHA-256 bindings tying the verdict to registry state; audit logs store canonical replay strings; optional X-Proof-Of-Agent possession secret.

KYAPoABindings

Responsible AI

Bias monitoring with 4/5ths rule fairness checks, disparate impact tracking, adverse action reason codes (ECOA Regulation B), PSI-based drift detection, and data quality scoring across all inputs.

FairnessBiasDriftAdverse Action
🔐

Security & Auth

API key authentication with SHA-256 hashing, SSO/SAML/OIDC enterprise auth, role-based permissions, human-in-the-loop ESCALATE verdict with approval queue, alert rules engine with cooldown, and full audit trail export (JSON/CSV).

API KeysRBACSSO/SAML/OIDCEscalationAlerts

Defense in Depth, Not Checkbox Security

Every guardrail is independently configurable with tunable thresholds per agent type. No one-size-fits-all.

24
PII entity types detected
(SSN, IBAN, PAN, Aadhaar, CVV...)
11
Safety dimensions scored
(illegal, hateful, jailbreaking...)
9
Rule condition types
(threshold, range, expression...)
10
Regulatory frameworks
(ECOA, FCRA, GDPR, RBI...)

🔒 PII/PHI Redaction

Detects and redacts 24 PII types including SSN, credit cards, Aadhaar, PAN, IBAN, passport, driver's license, medical records, API keys, and more. Replaces with [REDACTED_TYPE] before any processing.

🛡 11-Dimension Safety

Scores text across illegal, hateful, harassing, racist, sexist, violent, sexual, harmful, unethical, jailbreaking, and roleplaying. Per-dimension scores 0.0-1.0 with configurable thresholds.

✅ Faithfulness/Groundedness

Scores LLM responses against RAG context using token overlap, n-gram coverage, and claim verification with 5% numeric fuzzy matching. Catches fabricated numbers and hallucinated facts.

🛠 Prompt Injection Defense

Detects 7 threat categories: system prompt overrides, role manipulation, data exfiltration, encoding attacks, delimiter injection, social engineering, and multi-turn attacks. Homoglyph normalization included. Immediate BLOCK with confidence scoring.

Built for the Most Regulated Industries

Pre-mapped compliance frameworks with automated reporting, adverse action codes, and audit evidence generation.

NIST AI RMF

All 4 functions (GOVERN, MAP, MEASURE, MANAGE) mapped to Sentinel capabilities. 21 categories with specific coverage evidence.

EU AI Act

4-tier risk classification with obligation tracking. 9 Sentinel controls mapped to HIGH risk requirements (data quality, logging, transparency, human oversight).

SR 11-7 (OCC/Fed)

Model inventory with periodic review tracking. Auto-generates SR 11-7 compliance reports flagging models overdue for review.

ECOA / Regulation B

Adverse action reason code generation (7 standard codes + default). Max 4 reasons per ECOA requirement. Prohibited factor detection.

FCRA / TILA / QM

Credit reporting compliance tags, Truth in Lending checks, Qualified Mortgage DTI limits (43%). All enforced at the rule level.

GDPR / RBI / PCI-DSS

Data privacy controls, KYC/AML framework support, payment card industry standards. 24-type PII detection covers international identifiers.

9 U.S. Regulators, 30+ Guidance Documents

The deepest regulatory knowledge base of any AI governance platform. Per-agent compliance requirements with examiner expectations and regulator citations.

9
U.S. Regulators
(OCC, Fed, FDIC, CFPB, NCUA, FFIEC, HUD, Treasury, GAO)
8
Lending Use Cases
(mortgage, auto, education, personal, CLI, risk, acquisition, credit)
30+
Guidance Documents
(SR 11-7, CFPB Circular 2022-03, AVM Rule, OCC Bulletin 2025-26)
5
RAG Knowledge
Base Documents
(regulatory + competitive)
13
Agent Templates
Per-agent regulatory
requirements mapped
🏦

CFPB Circular 2022-03

"A creditor's lack of understanding of its own methods is not a cognizable defense." Sentinel ensures every AI lending decision is explainable and auditable.

📜

Fed Governor Barr (April 2025)

"Banking decisions must be well-controlled, numerically and legally precise, explainable, and replicable." Sentinel's explainability module delivers exactly this.

📋

OCC Bulletin 2025-26

National banks must apply existing risk management frameworks to AI. Sentinel maps to SR 11-7 and OCC guidance with automated compliance evidence.

🎓

GAO Report (May 2025)

GAO identified AI bias in lending as significant risk and found NCUA lacks AI vendor examination authority. Sentinel's bias monitoring fills this gap.

🛠

Fed Governor Bowman (Nov 2024)

"Over-regulation of AI can itself present risks." Existing frameworks like SR 11-7 are sufficient. Sentinel ensures compliance without over-engineering.

🏢

AVM Rule (June 2024)

Interagency rule requiring quality control for AI-powered automated valuation models in mortgage. Sentinel monitors AVM outputs for bias and drift.

Market Validation

Oliver Wyman: AI-First Credit Transformation

Oliver Wyman's framework identifies 5 AI agents orchestrating the end-to-end credit chain, all requiring "codified risk appetite & policies" and "purposeful human steer." Their Phase 2 ("Codify") literally describes Sentinel: guardrails for AI risk management, risk-based escalation logic, codified institutional expertise.

50%
Efficiency Uplift
10-15%
Revenue Uplift
2027
First-Mover Target
5
AI Agent Types

Production-Ready from Day One

Self-hosted, zero data egress. Deploy in your VPC or on-prem. No external API calls, no hidden costs.

Integrity Stack · Sentinel Architecture
🛡 GUARDRAILS — Rate Limit • PII • Toxicity • Safety (11-dim) • Injection • Hallucination • Faithfulness
⚖ RULE ENGINE — 9 Condition Types • Safe AST Expression Evaluator • Template Library (13 BFSI Agents)
📈 OBSERVABILITY — Sessions/Traces/Spans • Token & Cost Tracking • Performance (p50/p95/p99) • Anomaly (Welford's)
📜 GRC — 10 Frameworks • NIST AI RMF • EU AI Act • SR 11-7 • Policy Versioning • Audit Export • Risk Register
🔎 KYA / PROOF OF AGENT — Agent registry dossiers • Decision–registry SHA-256 bindings • Optional possession credentials
📚 RAG KNOWLEDGE BASE — 5 Documents • 9 U.S. Regulators • 30+ Guidance Citations • Competitive Intelligence • AI Chat Assistant
💻 CLI & DEPLOYMENT — sentinel init/start/evaluate • Docker + docker-compose • Kubernetes Helm Chart
💾 STORAGE — In-Memory (dev) • SQLAlchemy + PostgreSQL (prod) • API Key Auth • RBAC • Docker/Helm

Python SDK

3 lines of code to integrate. SentinelClient wraps all API calls with automatic retry and error handling.

LangChain Plugin

SentinelGuardrail and SentinelCallbackHandler for seamless integration with LangChain agent pipelines.

REST API

88 endpoints with OpenAPI docs. Works with any language or framework. Webhook alerts for BLOCK/FLAG decisions.

13 Agent Templates, Ready to Deploy

One API call deploys a fully configured agent with compliance-tagged rules and BFSI-specific guardrails. Per-agent regulatory mapping from 9 U.S. regulators.

🏦 Loan Decision

Amount limits, income ratios, term validation, escalation thresholds

📊 Risk Assessment

Credit score range, DTI limits, employment history, FCRA compliance

📄 Application Processor

Required fields, age verification, income validation, TILA/ECOA tags

💰 Loan Pricing

Usury rate caps, prohibited factor detection, fair lending compliance

📑 Credit Analysis

Bureau validation, credit history, inquiry limits, FCRA compliance

🎯 Score Calculation

Valid FICO range, prohibited factors, fair lending enforcement

⚖ Fair Lending

Protected class detection, disparate impact checks, ECOA/FHA

💳 Credit Limit

Income-based limits, minimum thresholds, CARD Act compliance

🚀 New Lending Agents (Live)

🏠 Mortgage Underwriter

AVM integration, HMDA reporting, QM/ATR rules, FHA compliance

🚗 Auto Loan Decision

Dealer markup caps, MLA compliance, rate discrimination prevention

🎓 Student Loan Processor

Co-signer evaluation, state licensing, ECOA/TILA compliance

📣 Customer Acquisition

UDAAP compliance, TCPA consent, pre-screened offer rules

📈 Credit Line Manager

CLI adverse action, CARD Act rules, income re-verification

Start Free, Scale as You Grow

Hybrid platform + usage pricing. Budget-predictable for bank CFOs. No surprise bills.

Community

Free

For evaluation & testing

✓ 1,000 evaluations/month
✓ 3 agent templates
✓ Full 11-stage pipeline
✓ 7-day data retention
✓ Community support

Starter

$2,000/mo

For community banks & credit unions

✓ 25,000 evaluations/month
✓ All 13 templates
✓ Compliance reports (export)
✓ 90-day audit retention
✓ Email support (48hr SLA)
Most Popular

Professional

$5,000/mo

For mid-size banks & fintechs

✓ 100,000 evaluations/month
✓ All 13 templates
✓ Full observability & SSO
✓ 1-year audit retention
✓ Priority support (24hr SLA)

Enterprise

Custom

For large banks & insurers

✓ Unlimited evaluations
✓ On-prem / VPC deployment
✓ 7-year audit retention
✓ Dedicated CSM + Slack
✓ 99.9% SLA + SOC 2

All plans include the full 11-stage security pipeline. Annual billing: 2 months free. Overage: $0.03-$0.05/eval.

Get Started

Ready to Trust Your AI Decisions?

Deploy Sentinel by Integrity Stack in your environment in minutes. Self-hosted. Zero data egress. 1,659 tests. Production-ready.

Launch Dashboard API Documentation Contact Us
IS

Integrity Stack Assistant

Ask about Sentinel, compliance, or AI decision integrity

Welcome! I can answer questions about Integrity Stack and our flagship product Sentinel, including regulatory compliance (9 U.S. regulators, NIST, EU AI Act), lending use cases (mortgage, auto, student, personal), security features, pricing, and more. What would you like to know?
What is Sentinel? 9 U.S. Regulators CFPB on AI Lending vs. Fiddler AI