Immutable Audit Logs: Cryptographic Accountability

ACRGA-AUDIT uses write-once, append-only audit logs with cryptographic hashing.

For every credit decision, the log captures:

• Timestamp

• Loan ID

• Model version

• Model inputs

• Model outputs (risk weights, probability of default)

• Credit decision (approved/declined)

• Decision maker

• Whether override was applied

• Cryptographic hash linking to previous event

The result: immutable record. Can't be modified or deleted. Can be queried by regulators.

This solves the ghost problem: regulators can ask "why was this loan approved?" and you can produce:

• Exact version of model that made the decision

• Exact inputs the model saw

• Exact outputs the model produced

• Who reviewed the decision

• Full reconstruction of the decision path

Accountability through cryptography. Not optional.

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