The platform built around how mid-market lenders actually operate.
Rules-first, ML-augmented, explainable by construction. Designed to clear your model validation committee, not circumvent it.
Four modules. One decision.
Rules + ML scoring in one auditable execution layer
Hard policy rules execute first — FICO floors, DTI caps, delinquency screens. When an application lands in the grey zone, the ML augmentation layer calculates a probability score with SHAP factor attribution. Both outputs are written to the same decision record, giving examiners a single audit trail instead of two disconnected systems.
Deep dive into Decision Engine
Write, test, and deploy credit policy without a deployment window
The policy editor surfaces rule conflicts before they go live. A staging environment lets compliance run a what-if analysis against 90 days of historical decisions. Version control means you can roll back a policy change in minutes — not after a release cycle.
Deep dive into Rules Studio
ECOA and Reg B compliance built into the decision layer
Disparate impact analysis runs against every decision batch. Adverse action reason codes are generated from the rule and factor outputs — not derived from a score rank. Monthly fair lending report is generated automatically and ready for your compliance file.
Deep dive into Fair Lending
Validate a challenger model before it touches production
The challenger model runs in read-only mode alongside your production engine. It sees every application, scores it, and writes results to an analytics store — but nothing touches the LOS. You get 30 days of real origination signal without triggering a full model risk management review.
Deep dive into Shadow Mode
Connects to what you already run.
Prism Layer is an orchestration layer — it does not replace your bureau feeds, your LOS, or your core system. It sits between those data sources and your decision output, adding the explainability and governance layer that those systems have never included.
Deploy in the way your security team will approve.
SaaS
Managed cloud deployment. Designed with SOC 2 Type II controls. No infrastructure overhead for your engineering team.
Talk to usVPC-Hosted
Runs inside your AWS or Azure VPC. Your data never leaves your environment. Tenant isolation at the network layer.
Talk to usOn-Premise
For regulated depository institutions that require data residency on-premises. Containerized deployment, air-gapped option available.
Talk to usSee a decision against your tape.
We run a scoped evaluation using your application data. No commitment, no production traffic.
Request Evaluation