Policy engine
A versioned, deterministic rule set with explicit thresholds. Every run stores the policy and engine version that produced it, so a result can be reproduced months later.
Product
Decisioning and compliance infrastructure for policy-bound lending.
aeax sits between a loan file and a funding action. It is decision-support software: it does not lend, and it never commits capital.
Intake normalization
Loan files arrive from forms, APIs or public listings and are normalized into one schema. Fields that are absent are recorded as missing rather than defaulted silently.
Explainability layer
Score, risk band, reason codes, points contribution, and the calculation context behind each metric — coverage ratio, margin, debt service, trading history.
Exception routing
Incomplete or out-of-policy files route to a human review queue with the blocking conditions named. Reviewers act inside a recorded boundary.
Audit ledger
Append-only decision runs with input fingerprints and parent-run links for reruns. Users can create and read; nobody edits history through the app.
Operator portal
Pipeline, decision runs, data-source health, active policy version, exception queue and operator-reported capital actions in one institutional view.
Who it is for
Lenders, fintechs, community lenders and nonprofit capital providers who already have a written credit policy and need it executed consistently, explained clearly, and evidenced for their board, auditor or regulator.