FIN∫EGRAL
Use cases Coverage Verify Protect Govern Get access
Protect — step 04 of the pipeline

Signals with reasons attached.
The decision stays yours.

No opaque score. No shared blocklist. No vendor deciding who gets declined in a market it has never operated in.

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The decision, in the open

Same signals. Your policy decides.

Pick a real moment and a policy stance. The signals do not change — only your thresholds do, and the outcome moves with them. Nothing here is hidden inside a model.

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Signals observed — tap to mute one
Your policy stance

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Reason codes returned
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Signal families

Six things the connection can see that a document cannot.

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Reason codes

Every signal comes with something you can actually say out loud.

Adverse action letters, appeals and regulator questions all need a human sentence, not a score. Each code ships with the plain-language line and the evidence behind it.

See how the evidence is governed →
Code What it means What you tell the customer Appealable
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Every code carries the underlying observation, so an appeal is reviewed against evidence rather than re-run through the same model. Codes are stable across releases — we add, we do not redefine.

Where we stop

Five things a risk vendor should never do to your customers.

Especially in markets where being declined once can follow someone for years, with nobody to appeal to.

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The pipeline

Protect sits between understanding and moving money.

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Write your own policy. We will show our work.

Signals, reason codes and the evidence behind each one come with the connection — no separate risk contract.