Solutions
Evidence infrastructure, by sector.
The Umbra Trust Protocol doesn't change per sector — Observe, Evaluate, Record, Prove stays the same. What changes is which regulatory framework your evidence needs to satisfy, and who's asking to see it.
Financial Services
Prove lending, credit, and risk decisions were made within policy.
Loan approvals, credit scoring, and fraud decisions increasingly run through AI models. When a regulator, ombudsman, or court asks why a specific decision was made, "the model said so" is not a defence — a cryptographically sealed record of the input, the policy gate it passed, and the output is.
- ✓ Automatic, tamper-evident recording of each decision event your system sends
- ✓ Policy results reported by your system recorded per decision, as reported
- ✓ Evidence bundles for independent hash, chain and timestamp checks. No regulator-specific format is provided
Insurance
Underwrite and defend AI-assisted claims and pricing decisions.
Underwriting, claims triage, and pricing models carry direct financial exposure when challenged. KairoNull gives insurers a continuous, tamper-evident record of what an AI system evaluated and why — evidence that stands up to a disputed claim or a regulator's inquiry, not a reconstructed log assembled after the fact.
- ✓ Claims and underwriting decisions sealed at the moment of generation
- ✓ Supports risk quantification for AI exposure in underwriting your own AI usage
- ✓ Independently verifiable without KairoNull backend access
Government
Meet public-sector transparency and accountability obligations.
Government use of AI in benefits determination, eligibility screening, and public services carries the highest bar for public accountability. Evidence needs to be independently verifiable by oversight bodies, not just internally logged. Hosting inside your own environment is not a standard service today; it would be scoped and agreed in writing before any commitment.
- ✓ Hosting location agreed in the contract (not a standard service today)
- ✓ A structured evidence record per decision. No claim of alignment with any framework
- ✓ Evidence verifiable by external oversight without vendor involvement
Enterprise
Fiduciary protection for AI-driven decisions at scale.
Any institution where AI decisions carry regulatory, legal, or reputational consequences needs a defensible answer to "what did the model actually do." KairoNull integrates via REST API, webhook, or the Python and Node.js SDKs, with no retraining and no change to your model; your integration code does change, and how much depends on the system.
- ✓ REST API, webhook receiver, or Python/Node SDK integration
- ✓ Timelines scoped per engagement and agreed in writing
- ✓ One evidence chain per organisation across the workflows you connect