RISK REVERSAL
The buyer's downside is bounded and on the record
CreditAxis publishes its risk-reversal posture so bank buyers know, in advance, what is bounded, what is fixed, and what the founder will personally stand behind.
Governance posture. AI is assistive only. Humans approve every deliverable. AI does not approve credit. AI does not send externally. Append-only audit ledger. Global kill switch governs external action.
Published reversal items (9)
Each item below is published in advance and stands on the record.
Buyer-Selected Files
Buyer selects which decisions to examine.
Scope limit: Sample choice is buyer-controlled.
Controlled Next Step
Next step is a controlled evaluation, not a long contract.
Scope limit: Controlled evaluation has its own governed scope.
Fixed Scope Clarity
$30,000 fixed scope. 10–15 business days. Up to three selected decisions.
Scope limit: Scope is fixed in writing; expansion requires founder approval.
Fixed Fee
Fixed-fee engagement. No hourly creep.
Scope limit: Discounts require founder approval per pricing lock.
No AI Credit Decisioning
AI does not approve credit.
Scope limit: Humans approve every deliverable.
No LOS / Core Replacement
CreditAxis is not a loan-origination or core-banking substitute.
Scope limit: Diagnostic is not an integration.
No Live PII Required
Diagnostic accepts redacted, synthetic, or bank-approved materials.
Scope limit: If PII is shared, buyer controls scope and retention.
No Production Access
Diagnostic does not require production access.
Scope limit: Optional read-only access only for later, governed engagements.
Synthetic or Redacted Option
Buyer may use synthetic or redacted materials.
Scope limit: Synthetic materials acknowledged as synthetic.
No guarantee. CreditAxis does not guarantee compliance, audit, examiner, or regulator outcomes. CreditAxis does not replace loan origination or core systems. AI is assistive only. The diagnostic produces findings; outcomes depend on bank-specific facts, data quality, and follow-on action.