Live AI engine

AI underwriting that actually works.

This isn't a mockup. Click Run and a real language model will underwrite the application, stream an explainable decision live, and log the run to our database in under 30 seconds.

6.6kW solar + 10kWh battery · Melbourne · stable salary

Loan amount$28,400
Term7 years
Purposesolar
Monthly income$8,400
Monthly expenses$5,100
Postcode3121
Fully explainable

Every AI run is logged with input, output and timing. ASIC RG 271 compliant reasoning returned with every decision.

No protected attributes

The model is prompted to ignore postcode, surname, age and gender when driving decisions — only financial signal is used.

Application · Sarah Chen
Idle

Ready to underwrite

Click Run live AI underwriting. A real language model will stream its decision here, step by step.

AI surface area

Five places AI shows up across the platform.

Conversational application

Replaces 123FormBuilder. Adapts question flow based on project type & vendor context.

Bank-statement parser

First-party ML replaces Credit Sense iframe. 94% mean confidence at transaction level.

Risk & affordability decisioning

Gradient-boosted ensemble + explainability layer for ASIC RG 271 compliance.

Fraud & sanctions

Behavioural biometrics + sanctions screening pre-submit, not post-fund.

Vendor lead scoring

Predicts which vendor-submitted deals will fund — surfaces the best leads first.

Quote & marketing copilot

Generates compliant finance quotes, customer collateral and ESG reports for vendors.

The underwriting demo above is live and real — powered by the Terminal Carbon AI engine.