Lending & underwriting
Credit decisioning, limit changes, and collections, with the reasons and inputs on the record.
Underwriting, fraud, collections, KYC, cards, and suitability agents are entering the systems banks answer to RBI and SEBI for. Sakshi registers each one, witnesses every decision on a tamper-evident chain, bounds its autonomy, and generates the evidence your examiners ask for. This is our deepest coverage, and the arc you can explore live in the demo.
Where it applies
If an agent shapes a customer outcome, it needs an owner, a record, and evidence. Sakshi governs them without asking you to rewrite a thing.
Credit decisioning, limit changes, and collections, with the reasons and inputs on the record.
Transaction blocks and holds, witnessed with the model identity that made the call.
Document and identity agents, with extraction and access governed, raw identifiers never stored.
Authorization and dispute agents on real wire formats, every action accountable.
Advice and suitability agents, including third-party models, mapped to SEBI Reg 16C.
Claims triage and pricing agents, ready for IRDAI as its framework lands.
The instruments, encoded
Each instrument is data, scored against your live evidence. A readiness score you can act on, and signed packs you can submit.
RBI MRM
draft · comment filed
Model inventory, validation evidence, AI disclosure and human handoff, red-teaming, a drilled kill switch.
DPDP
Act 2023 + Rules 2025
Rule 13 SDF due diligence: DPIA from live evidence, minimization and localization screens, signed audit bundle.
SEBI 16C
binding · Feb 2025
Sole responsibility for AI/ML outputs, including third-party models. Vendor model identity, verified.
IRDAI
anticipated · ~Sept 2026
FREE-AI read-across skeleton, ready to re-cut the day the working-group report lands.
Explore the BFSI arc in the live demo, or get a private sandbox with synthetic banking data.