Artificial Decision Intelligence · Production v44.5

The decision engine your business already needed — deterministic, auditable, no generative AI

The decision governance engine for US-regulated finance — Banking, Credit, Insurance, Logistics. 55 industry pains, productized, each mapped to its regulator (FCRA, ECOA, BSA-AML, NAIC, FMCSA). Two products, one engine: SignalDeck Reports for SMBs, SignalDeck Enterprise for corporations.

Not a chatbot. Not a model. An API.

No credit card • Pilot data isolated • Cancel anytime
<200ms
From signal to verdict
100%
Reproducible — same input, same output
55+
Production pipelines across 6 verticals

Which product fits you?

Built on the standards your auditors already trust
FCRA ECOA Reg B BSA / AML OFAC GLBA NAIC 880 NAIC 759 FMCSA 49 CFR 395 HMDA SR 11-7
ONE ENGINE. TWO PRODUCTS.

Pick the product that fits your company

Same engine. Same 55 pipelines. Same audit log. SignalDeck Reports turns a CSV upload into regulator-ready reports for SMBs. SignalDeck Enterprise runs a dedicated real-time API instance inside a corporation's own environment. Use the switch above to see the one that fits you.

SIGNALDECK REPORTS For SMBs and small companies

SignalDeck Reports

  • Upload your data as CSV — no integration, no engineering team
  • The engine processes it and generates the regulator-ready reports that prevent penalties
  • All four verticals (Banking, Credit, Insurance, Logistics) in one web app
  • Multi-tenant cloud, logically isolated per customer
  • Monthly subscription · cancel anytime
USED BY
SMBs in lending, insurance brokerage and 3PL logistics across the US
See SignalDeck Reports pricing →
ANATOMY OF ONE DECISION

One HTTP call. One verdict. One audit log.

This is a real call to one of our 55 production pipelines, the way SignalDeck Enterprise is used in real time. Same input always returns the same output, with the policy version, reason code and audit identifier attached. SignalDeck Reports applies the same engine to CSV batch data instead of live API calls.

REQUEST
POST /api/v1/decide 
{
  "pipeline": "early_delinquency_risk.v1",
  "case_id":  "L-993",
  "fico":     692,
  "dti":      0.41,
  "income":   4500
}
118ms
RESPONSE
200 OK 
{
  "verdict":         "REVIEW",
  "reason_code":     "DTI_HIGH",
  "regulation":      "ECOA Reg B App C",
  "policy_version":  "v1.3.2",
  "audit_id":        "aud_8f3a2b",
  "latency_ms":      118
}

P95 latency < 120ms · Audit log retained 7 years · Replayable byte-for-byte

Try this decision live on ai.iquelo.com

Pick the decisions you want to automate

Drop-in pipelines for the four most heavily regulated industries. Each one ships with the regulatory mapping, reason codes and audit format you already file.

BSA • 31 CFR 1020 • OFAC
🏦 Banking & AML

KYC, CIP, OFAC screening, fraud probes and SAR triage with full BSA documentation attached to every alert.

⚡ 67% fewer false-positive alerts
  • ✓KYC decision in under 30 seconds
  • ✓OFAC + PEP + 314(a) screening
  • ✓SAR-ready audit log per alert
See pipelines →
FCRA • ECOA Reg B • SR 11-7
💳 Credit & Lending

Eligibility, limit and delinquency decisions with auto-generated Reg B Appendix C reason codes. Adverse action notices ready to send.

⚡ Adverse action notices: 4 days → 4 minutes
  • ✓Reg B reason codes auto-attached
  • ✓FCRA §615 adverse action format
  • ✓SR 11-7 model governance log
See pipelines →
NAIC 880 • NAIC 759 • SERFF
🛡️ Insurance Underwriting

Underwriting and claims decisions with NAIC-aligned declination codes, SIU referral triggers and the 15/30/45 claims timeline tracked end-to-end.

⚡ 4x faster time-to-quote
  • ✓NAIC declination reason categories
  • ✓Claims timeline 15/30/45 enforced
  • ✓SIU fraud referral indicators
See pipelines →
FMCSA • 49 CFR 395 • ELD
🚚 Logistics & Supply Chain

Route, reroute and customs decisions that respect HOS limits, ELD records and broker SLAs. Every decision logs the rule that triggered it.

⚡ 3.4x faster dispatch decisions
  • ✓Reroute approval/denial in <500ms
  • ✓Customs risk scoring with reason codes
  • ✓HOS-aware load assignment
See pipelines →
DESIGN PARTNER PROGRAM · Q2 2026
Now accepting 5 design partners

Limited to US-based teams running FCRA, ECOA, BSA-AML or NAIC decision flows. Joint case study + direct line to product in exchange for shaping the roadmap.

Apply now →
HOW IT WORKS

Signal in. Governed decision out.

Three steps. Every one of them logged, reproducible and mapped to a rule.

1

1. Send the signal

Enterprise customers POST each case to their dedicated REST API in real time. Reports customers upload their data as a CSV batch. Either way, the same engine evaluates it.

2

2. The policy decides

The right pipeline (KYC, eligibility, route, claims...) evaluates evidence, applies your policy and produces a verdict you didn't have to improvise.

3

3. The audit writes itself

You get the decision, the reason code, the exact rule that fired and a permanent log entry tied to the regulation. Reproduce the same input tomorrow — same verdict.

Explore all features →
COMPLIANCE & SECURITY

Compliance and security, by design

Every verdict is reproducible, explainable and auditable. Pipelines map to the U.S. regulations your examiners already test against.

⚖️

Mapped to U.S. regulations

FCRA, ECOA Reg B, BSA/CIP, OFAC, GLBA, NAIC Models 880/759, FMCSA 49 CFR 395, HMDA. Every rule is referenced inline in the audit log.

🔐

Security & data handling

TLS 1.3 in transit, AES-256 at rest, JWT + HMAC-SHA256 auth, multi-tenant row-level isolation, key rotation, full request log.

🏛️

Certifications roadmap

SOC 2 Type II in progress — target Q3 2026. ISO 27001 readiness in parallel. Architecture and policies available under MNDA.

⚖️ Fair-lending and bias monitoring

Daily cohort analysis on every credit and underwriting pipeline. Disparate impact detection on protected classes, with alerting and a full model governance log.

  • ✓Disparate impact detection (delta_seg metric)
  • ✓Daily cohort analysis and drift alerts
  • ✓Model governance log aligned to SR 11-7
Adverse action notices

Automatically generated whenever a verdict is unfavorable, with FCRA §615 + ECOA §701(d) language already in place.

FCRA §615 • ECOA §701(d)
📄 Read the privacy notice 🔒 View security overview

Stop improvising decisions. Start governing them.

Run a 30-day pilot in one vertical with your real data. Up to 1,000 governed decisions, defined success metrics, no commitment. We help you wire it up in under a week.

I'm an SMB · See SignalDeck Reports I'm an enterprise · Book a private demo
No credit card • Pilot data isolated • Cancel anytime