Concepts
The governance layer
The 12 capabilities that turn the immutable ledger from a system of record into a system of control.
The ledger and certificate system record what happened. The governance layer governs what happens next: the models stay calibrated, vulnerable customers reach the right reviewers, incidents get triaged, bias is caught before it spreads, and every checklist is completed. It is where the platform crosses from “system of record” into “system of control.”
The 12 capabilities
- AI context, how each AI-assisted recommendation was reached, from inputs to guardrails
- Model registry, every AI model your firm uses, registered, versioned, and named
- Drift detection, automatic alerts when a model starts behaving differently
- Bias monitoring, protected-characteristic outcome comparisons
- Vulnerability routing, Consumer Duty triggers send the right cases to the right humans
- Incident response, structured handling for things that go wrong
- Impact assessments, Consumer Duty outcome assessments, signed off before any AI use case goes live
- Explainability, capture the rationale, not just the output
- Chain integrity, continuous proof that the ledger has not been tampered with
- Checklists, gating reviewer decisions on completeness
- SLA enforcement, turnaround time guarantees with breach events
- Certificates, externally verifiable proof of every decision
How they fit together
Each capability produces verifiable evidence, either as ledger events or as per-job structured fields anchored to the chain. SLA breaches write SLA_BREACHED. Incident handling writes INCIDENT_LOGGED and INCIDENT_RESOLVED. Impact-assessment sign-off writes IMPACT_ASSESSMENT_APPROVED. Drift detection and bias monitoring read directly from the per-job aiContext.model and clientSegments fields, so the evidence is the underlying data rather than a derived alert event. Vulnerability routing persists vulnerabilityFlags on the job itself. Every capability produces something a regulator or auditor can ask for and get a verifiable answer about.
Mapping to FCA rules
Each capability maps to a specific section of the FCA Handbook: Principles 6 and 12, Consumer Duty (PRIN 2A), SYSC 8, SYSC 22, COBS, and others. See the full mapping in Regulatory coverage.