DecisionReceipt
A compliance workbench that ingests any automated decision your AI system makes (loan denial, insurance rejection, hiring shortlist) and emits a plain-English, audit-ready receipt with a readable logic chain that a regulator or customer can challenge.
compliance officers at banks, insurers, and HR teams using AI for high-stakes decisions
- Plain-language receipt for every automated decision with the human-readable logic behind it
- Editable rule templates a compliance team can tweak without retraining the underlying model
- One-click export as an EU AI Act / SR 11-7 / ECOA-compliant disclosure document
- Audit trail that captures which version of the model approved or denied each case
EU AI Act enforcement, NY Local Law 144, and SR 11-7 updates are forcing regulated firms to justify every AI decision in writing, while most explainability tools still target ML engineers rather than the compliance and legal teams who actually own the audit.
Multiple 2026 buyer's guides, vendor comparisons (OneTrust, Credo AI, Holistic AI, IBM, Drata), and dedicated blogs confirm strong enterprise demand for AI Act / SR 11-7 audit tooling as enforcement deadlines approach.Best EU AI Act compliance tools for enterprise AI programs in 2026 ↗EU AI Act Compliance Software Tools Compared (2026) ↗
Space is crowded with AI governance platforms (Credo AI, Holistic AI, IBM watsonx.governance, OneTrust, Drata, Knowlee) that already cover model inventory, policy, and high-level explainability; a 'per-decision receipt' angle is differentiated but adjacent to incumbents' roadmaps.Best 8 AI Compliance Solutions for Business (2026) ↗AI Act Compliance Software: The 2026 Buyer's Guide for EU Enterprises ↗
Clear willingness to pay: IBM watsonx.governance lists $0.60–$0.64 per resource unit with a $38K/year SaaS bundle, and Credo AI / Holistic AI sell enterprise contracts gated behind 'contact sales' — proving banks/insurers already budget six figures for this category.IBM watsonx.governance Pricing (2026): Tiers, Costs & Alternatives ↗Credo AI vs IBM watsonx.governance (2026) ↗
Regulatory tailwinds (EU AI Act enforcement, NY Local Law 144, SR 11-7 updates) are multi-year and structural; compliance spend is among the most defensible SaaS categories.
Building model-agnostic per-decision receipts requires integrating with diverse model stacks (LLM, tabular, scoring engines), generating faithful plain-English logic chains, and meeting audit-evidence standards — non-trivial engineering, especially the 'readable logic chain' guarantee.