Glass Box
A lender declines you and sends a form letter. No reason you can act on, no way to argue, and no way to know whether something about who you arecrept into the decision. Glass Box makes every step visible — and gives one agent the power to overrule the rest when they lean on something they legally can't.
How it works
Every fact is extracted and tagged. Demographic details are recorded, then locked away where the scoring agents cannot reach them.
Affordability, risk and collateral — each shows its working, and none of them can see a protected characteristic.
It combines the three verdicts into a first decision.
It decides for itself before it is allowed to see the draft, then catches anything the draft leaned on that it legally can't — like your ZIP code standing in for race. It can overturn an approval or a decline.
The exact document you're missing, or the exact number that has to change — and a button that re-runs the real decision to prove the fix works.
Try it on someone else first
Five applicants, five different endings — all run through the same real system. Start with Maria.
Maria can comfortably afford this loan. But the risk model flagged her because of the neighbourhood she lives in, which is really a stand-in for race. The reviewer catches it and her decline is overturned to an approval.
Watch this decision →Jordan earns well and owes little. Nothing questionable is in play, the reviewer independently agrees with the approval, and no veto is needed. This is what a clean run looks like.
Watch this decision →Sam's paperwork is complete, but he owes $1,500 a month on $30,000 of income. That's genuinely too much, so the decline stands. He gets the exact number that has to change, and can test the fix.
Watch this decision →Riley was approved because her house is worth a lot — even though her debt is above the hard limit. The reviewer blocks it. The check protects the lender and the borrower, not just the borrower.
Watch this decision →Casey earns plenty, but never uploaded pay stubs, so nothing could be verified. This is a paperwork problem, not a money problem — and the plan says exactly which document to send.
Watch this decision →Why this matters
Credit decides who gets a home, a car, a business. When it goes wrong quietly, people lose years and never learn why. Most "AI fairness" checks ask a model to re-approve a decision it has already been shown — so it agrees, and nothing is caught. Here the reviewer decides first and is the only agent allowed to see protected data. Run Maria to watch it overturn a discriminatory decline; run Riley to watch it overturn an approval that broke the rules. It blocks in both directions, which is the difference between a real check and a rubber stamp.
Try your own application