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.
- ✓ Article 12 (EU AI Act) automatic logging for high-risk credit and lending systems
- ✓ Fair-lending and explainability policy gates evaluated and recorded per decision
- ✓ Evidence bundles formatted for regulator and ombudsman submission
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. The Sovereign tier supports on-premise and private-cloud deployment where data cannot leave your environment.
- ✓ On-premise or private cloud deployment (Sovereign tier)
- ✓ NIST AI RMF and ISO 42001-aligned evidence structure
- ✓ 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 instruments a single AI call in under 60 seconds and integrates via REST API, webhook, or SDK — no retraining, no vendor lock-in, no changes to your model layer.
- ✓ REST API, webhook receiver, or Python/Node SDK integration
- ✓ Standard deployment live in 1–5 days; enterprise pilots run a structured 90-day track
- ✓ One evidence chain across every AI system in your stack