Keel runs the full underwriting file — screening, scoring, evidence, signatures — as one decision record. AI recommends. Your team decides. Then your underwriters, your processor, and the sponsor bank all read the same file — same evidence, same policy, proven on the ledger.
A human underwriter is only as good as the files they've seen, and what one of them knows rarely reaches the next desk. Keel makes the decision itself the standard — same evidence, same scorecard, same policy version, read by your underwriter, your processor, and the sponsor bank. No forwarded PDFs, no "trust me," no knowledge trapped in one person's head.
Works the 3 judgment calls and signs the decision — with evidence, conditions and cohort benchmarks in front of them.
Sees activation-readiness, outstanding conditions, reserve and tier — without a phone call or a forwarded file.
Sees the policy version in force, the signature chain, exceptions and the replay hash. Examiner-ready on day one.
Every capability ships with the documentation your sponsor bank, auditor, and examiner will ask for. The examiner is a first-class user here — auditability is a product surface, not an export.
Every data pull, model output, and signature is chained at write time. Export the examiner package for any decision in one click.
Tier-based signature chains, enforced in code.
Our scoring engine decomposes every decision into weighted, cited factors — the patent-pending scorecard logic your team can tune and backtest.
Disparate-impact analysis on every release.
Underwritten against VAMP / ECP thresholds from day one — monitored after approval.
A team of underwriters is slow, and no two of them call a file the same way. Keel decides in minutes, consistently, against the same policy every time — then learns from the outcome. Every decision and its 12-month result feeds the next one, so the system compounds the experience your whole team has ever had, instead of losing it when someone leaves.
Keel calls your verification and risk vendors, attaches every result to the decision as cited evidence, and dedupes spend across checks. Bring your own contracts — Keel never resells data.
Send the application. Get back a recommendation, conditions, factor attributions, and the evidence trail — then route it to your humans for signature.
// underwrite a merchant application const decision = await keel.decisions.create({ application: "APP-0418", policy: "2026.Q2", mode: "recommend" // never "auto" }); decision.score // 62 decision.recommendation // "approve_with_conditions" decision.factors[0] // { mcc_risk: 0.92, cited: true } decision.ledger_root // "sha256:f2a8…91cd" decision.signatures // { required: 4, signed: 1 }
We run alongside your process — no rip-out, two-week start. You compare the outcomes and keep the examiner package on every file.