Problem today
Lenders must trust internal decisions they cannot independently verify.
Auditors need evidence but cannot access customer earnings.
Sharing underwriting data creates privacy and compliance risks.
Credit decision verification
Prove a credit decision was made correctly without exposing customer earnings.
Connect earnings data, run a private credit policy, issue a decision, and generate a public proof that the required process was followed.
Input
Connect earnings data
Processing
Private credit policy runs
Output
Credit limit issued
Verification
Proof generated
With PrivateDAO
Decision remains private.
Verification becomes public.
Any third party can verify the process without seeing customer data.
Private
These values were used to make the decision but are not revealed.
User earnings
Internal thresholds
Policy formula
Reviewer notes
Risk model
Verifiable
The public proof shows the process happened correctly without showing the private values.
Membership was verified
Earnings were imported
Policy was applied
Credit decision was produced
Proof was generated
How verified
proof package recomputed
recomputed hash compared with original hash
match confirmed
Want to test this with your real workflow?
Request a private pilot.
We can map your current underwriting flow, connect to a sample API or redacted JSON, and generate a verifiable proof trail without changing your production system.