llms.txt

# CreditAI

> On-prem credit decision platform — deterministic ML scoring, grounded AI narrative, immutable audit. LLM never scores.

## What it is

CreditAI is an **AI-assisted credit decision** stack for supervised lenders:

- Deterministic, versioned scoring (scorecards / ONNX) by segment (Consumer / SME / Corporate)
- Parallel data providers + specialized collection agents
- Local LLM narrative grounded on calculated numbers only (ADR-001)
- Optional [ContextMemory](https://github.com/Kortexio/ContextMemory) gateway (otherwise direct OpenAI-compatible LLM)
- F1–F5 compliance gates: GDPR human-in-the-loop, MRM, AML/solvency, Iberian CRC/CIRBE
- Append-only audit hash chain and homologation evidence dossier

## What it is not

- **Not an LLM score.** The model never produces PD, limit, rate, or approve/reject.
- **Not a SaaS credit bureau.** You self-host; CRC/CIRBE stay under your institutional contracts.
- **Not a black-box automl.** Model cards, promotion gates, and fairness checks are first-class.

## Quick start

- Repo: https://github.com/vitorcastro78/CreditAI
- Docs: https://github.com/vitorcastro78/CreditAI/blob/master/docs/README.md
- Architecture: https://github.com/vitorcastro78/CreditAI/blob/master/docs/ARCHITECTURE.md
- License: AGPL-3.0

## Stack

.NET 9 · PostgreSQL · Blazor Server · OpenAI-compatible LLM (optional) · ContextMemory (optional) · Tesseract (optional)

## License

AGPL-3.0-or-later — see LICENSE. Commercial terms: https://kortexio.io