Flagship Pilot Use Case

Governed Mortgage Forbearance Decisions.

A practical demonstration of how TraceLogic governs customer-impacting decisions from intake to replay. Loan modification, arrears capitalisation, term extension, and rate changes are reviewed, approved, controlled, and replayable with evidence.

Book a Pilot Demo → Governance Controls
The Decision Type

Why mortgage forbearance?

Forbearance decisions are customer-impacting, regulator-watched, evidence-heavy, and reviewable. They touch policy, affordability, product structure, and operational risk. They also produce decisions that may need to be reconstructed later for audit or complaint review.

That makes them an honest test bed for a decision governance engine. If the model works here, it can be extended to other regulated decision types.

Decisions covered
Loan modification
Arrears capitalisation
Term extension
Rate changes
Forbearance arrangements
Split mortgage scenarios
The Lifecycle

From customer case to replayable proof

Nine controlled steps. Each writes into the same governed decision artifact, so the record at the end matches the record at the start.

01
Customer case comes in
A forbearance request enters the system, often as a mix of customer-facing intake and supporting documents (statements, ID, hardship letters).
02
Evidence is captured
RAG-assisted intake structures documents and case inputs. Each extracted value is linked to its source for later traceability.
03
Policy checks run
The case is evaluated against the active forbearance policy: eligibility rules, affordability checks, LTV brackets, and product-specific constraints.
04
Decision artifact is frozen
The proposed outcome (e.g. modification, capitalisation, term extension, rate change) is sealed with evidence, policy version, and rule path.
05
Manager reviews
A reviewer sees the artifact, evidence, and policy trace in one view. They approve, return, or reject.
06
Approval or return
On approval, the artifact is sealed and an execution token is minted against it. Returns go back with reviewer notes.
07
Execution token is minted
The token authorises a specific operator to execute the approved decision and only that decision.
08
Operator executes
The operator performs the action against the customer record, scoped by the token. Execution events are recorded against the same artifact.
09
Replay proves what happened
Months later, the decision can be replayed from frozen evidence: source documents, policy version, reviewer, approval, execution outcome.
Beyond Mortgage

The model extends

The mortgage use case is the pilot domain. The same governance model applies to other regulated decision processes where evidence, policy, review, approval, controlled execution, and replay are needed.

Other decision types the model fits
Insurance claims decisions
Credit operations exceptions
Regulated product approvals
Fraud and AML review outcomes
AI-assisted decision oversight
Compliance exception handling

Mortgage forbearance is the working pilot. Other domains are presented as a model fit, not a current deployment.

Next Step

See it run end to end

A pilot demo walks the lifecycle on a controlled case using synthetic or approved test data.

Book a Pilot Demo → Pilot Scope