Cryptographically auditable AI for credit unions

Ship AI agents into regulated workflows. With examiner-grade audit trails. Built on Symitar.

CharterOS is the agentic operating system for credit unions. Every decision an agent makes is cryptographically signed, verifiable offline by examiners, and bounded by your institution's policy.

Talk to us How it works

"agent": "loan_decisioning", "member": "tok_8h3kf...9d2", "decision": "approved", "rate": 7.49, "policy_hash": "a1f3...7c2", "signed_at": "2026-06-07T...", "sig_ed25519": "3f8a...e1b", "sig_mldsa": "7c4d...9f6"

Why CharterOS

A platform built for what generic AI cannot do in regulated banking.

01 / Audit

Cryptographically auditable

Every agent decision is signed with Ed25519 and a post-quantum signature, then written to WORM storage with seven-year retention. Examiners verify decisions offline, without trusting our infrastructure.

02 / Depth

Symitar-native depth

Direct integration across SymXchange, jBASE, REPGEN, and PowerOn. Built from eighteen years of operator experience in regulated payments and core banking systems.

03 / Platform

One substrate, four agents

Loan decisioning, fraud detection, payment disputes, and anti-money laundering share the same governance, policy, and audit layers. Ship once, deploy across workflows.

The platform

Four agents on one substrate, shipping over twelve months.

Loan Decisioning End-to-end underwriting with signed decision envelopes.

Symitar · Bedrock · Vault

Live

Fraud Detection Real-time screening with examiner-verifiable evidence.

Symitar · Bedrock · NIM

Q4 2026

Payment Disputes Reg E intake, evidence assembly, and resolution at scale.

Symitar · Bedrock · Vault

Q1 2027

Anti-Money Laundering BSA monitoring with SAR-ready audit trails on the same substrate.

Symitar · Bedrock · NIM

Q2 2027

How it works

One loan decision. Six steps. Signed end to end.

Step 01

Load institutional policy

CharterOS loads the credit union's specific loan policy, rules, and risk tolerances into the agent's bounded reasoning scope.

Step 02

Pull from Symitar

Member account history, debt-to-income ratios, and credit signals are fetched directly from Symitar through SymXchange.

Step 03

Tokenize sensitive data

Sensitive fields are tokenized through HashiCorp Vault before the AI sees any raw member data. The model operates on tokens only.

Step 04

Reason

Claude on AWS Bedrock reasons over the institutional policy and the tokenized member record. Returns a decision with a full reasoning trace.

Step 05

Fail-closed governance gate

The proposed decision is verified against the credit union's policy. Out-of-bounds requests block here, before any commit to the core.

Step 06

Sign and store

The decision envelope is signed with Ed25519 and a post-quantum signature, then written to WORM storage with seven-year retention. NCUA examiners verify offline.

700+

Credit unions on Symitar

$700B

Member assets addressed

2sec

Per decision, signed

7yr

WORM audit retention

Talk to us

Building with credit unions on Symitar.

We are early. We are selective about who we work with. If you operate a credit union, lead a CUSO, or invest in vertical AI for regulated industries, we would value a conversation.

Who we are talking to

Credit union CIOs and lending officers on Symitar
CUSO and CU-adjacent venture investors
NCUA examiners interested in agent audit trails
Engineers building agentic infrastructure