Data access for applications
A borrower's agent shares account data with the lender under a consent limited to the application and its duration.
Consumer finance
Lending and credit decisions
Credit decisions made with complex models still need reasons a person can read.
Lenders use AI models to assess applications, and agents now collect data and pre-fill applications for borrowers. The EU AI Act lists AI systems for evaluating the creditworthiness of natural persons as high-risk, and in the US the CFPB has stated that adverse action notices must give specific reasons even when complex algorithms are used. AgenticOpenFinance records each step so the decision and its reasons can be shown later.
What agents do
What you build on AgenticOpenFinance
Decision evidence
Every decision stores the model version, the data used, the verdict and the reasons given to the applicant.
Human review for edge cases
Declines near the threshold or with missing data are routed to an underwriter.
Repayment mandates
Borrowers can let an agent schedule repayments within set amounts and dates, visible in their bank app.
Dispute replay
When a decision is challenged, the sealed evidence is replayed step by step.
Value chain
The actors in this chain
AgenticOpenFinance connects them with one identity check, one mandate model, one policy and one evidence trail.
BorrowerBorrower's agentLenderUnderwriterCredit bureauBank
Typical flow
A governed agent flow, step by step
- Application started by agent
- Data shared under consent
- Model assessment
- Human review if needed
- Decision and reasons issued
- Evidence sealed
- Repayment mandate
Live demo
See it in the terminal
One agent payment: identity, mandate snapshot, verdict, approval and rail response, sealed (demo). Demo data
DemoAll companies, people, agents and amounts are fictional. Protocol names refer to public specifications; naming one is not a partnership or an endorsement.
Glossary