Anima Kernel signs fraud decisions, SCA challenges, routing choices, and settlement batches with EIP-712 attestations — creating tamper-evident, PCI-free audit trails that survive disputes, regulators, and counterparty disagreements.
Every decision the kernel makes — approve, decline, step-up, route, settle — is signed, Merkle-committed, and reproducible by any counterparty.
Every fraud decision, SCA challenge, and routing choice is signed with structured typed data — not opaque blobs.
Feature vectors, model outputs, and reason codes are committed to Merkle trees. Inclusion proofs are O(log n), verification is instant.
Only hashes and tokens — no raw PAN, no CVV, no cardholder PII ever enters the attestation layer. Zero PCI scope by design.
Full capsule chain — feature hash, model forward pass, reason extraction, EIP-712 sign — completes in <4ms. Fits inside the 200ms card-auth window.
Acquirer, processor, network, and issuer each sign the batch Merkle root independently. Threshold gate triggers funds movement — no spreadsheet reconciliation.
Every signed decision can be re-executed against the committed feature vector + model weights. Byte-for-byte reproducibility for disputes and audits.
From the 3ms fraud decision to the 24h settlement batch, every attestation follows the same cryptographic contract.
Signed decisions with feature hashes, model version, reason codes. Replay any decision, verify any proof, build Visa CE 3.0 evidence packs in 43 seconds.
Authentication chain from AReq to CAVV, with ECI attestation and liability shift proofs. Per-method analytics: passkey vs OTP vs biometric.
Cascade visualization with signed routing decisions, counterfactual analysis, and cost-savings attestations. Diff rulesets across versions.
4-party M-of-N signing with cross-party Merkle root comparison. When roots match, settlement is reconciled in O(1) — no spreadsheet, no manual check.
Start free. Scale with cryptographic guarantees.
Evidence packs export natively to scheme and regulator formats.
The same cryptographic contract — adapted for government determinations and healthcare decisions.
Benefits eligibility, tax assessment, permits, procurement, immigration. FedRAMP · FISMA · FIPS 140-3.
Explore government →Prior auth, claims adjudication, utilization review, CDS, formulary. HIPAA · HITRUST · 21 CFR Part 11.
Explore healthcare →10,000 free attestations/month. No HSM required to begin. Upgrade when you need threshold signing.