SOVIGL - AI Payment Governance

Decisions Made

—

All time

Approved

—

Auto-approved

Waiting for Human

—

Awaiting approval

Blocked

—

Policy violations

AI Agent Decisions

—

AI decisions observed

Decision Speed

—

ms to control outcome

Fraud Stopped

—

Flagged by SOVIGL

What Your AI Just Did

AI Agent: —

Last Action: —

Last decision at: —

Decision: —

Reason: —

All times in UTC (UTC)

Waiting for Approval

ID	User	Amount	Type	Status	Reason	Role	Created	Action
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All times in UTC (UTC)

Current Policy

Policy v—

Role	Auto-Approve Below	Require Approval Below
Loading policy...

Edit Thresholds

Employee

Manager

Admin

Policy History

No policy history yet.

ID	Reference ID	User	Amount	Type	Role	Status	Why it's waiting	Stage	Created	Action
Loading...

All times in UTC (UTC)

Problem

AI agents can trigger payments autonomously at machine speed.
Without policy controls, high-risk payments can execute before human review.
Many systems lack clear decision reasons for each action.
Audit trails are often incomplete for compliance and post-incident checks.

What SOVIGL Does

APPROVED

Payment proceeds immediately when it stays inside approved policy boundaries.

WAITING FOR APPROVAL

Payment pauses and waits for explicit human approval when thresholds require it.

BLOCKED

Payment is stopped when policy, mandate, or meta rules are violated.

How It Works

1. Request sent

2. Policy, mandate, and meta_rules checked

3. Decision made (allowed, pending, or blocked)

4. Decision logged with status, reason, and policy version

5. System acts (execute, wait for approval, or stop)

Why It Matters

Permanent audit logs provide defensible traceability for every decision.
Policy version tracking shows exactly which controls were active.
Regulatory explainability is built-in through explicit decision reasons.

What SOVIGL Is / Is Not

Is

The layer between AI and action
Checks every action before it happens
Records every decision, permanently

Is Not

Payment processor
AI decision-maker
Banking core or ledger

Decisions happening right now

—

Loading feed...

Approved / Blocked / Waiting for approval
All times in UTC (UTC)

Timestamp	Event	Decision ID	User	Role	Status	Reason	Policy
Loading logs...

All times in UTC (UTC)

Actions seen

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From decision logs

Rules configured

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Policy type_rules keys

Actions without rules

—

These need rules

Coverage check

Strict mode: —

Actions seen

—

Rules configured

—

Actions without rules

—

🇪🇺 EU AI Act

✔

Art. 9 | Risk classification system

risk_score + risk_level on every decision

✔

Art. 12 | Audit trail for every decision

decision_id + Policy v + timestamp logged

✔

Art. 13 | Explainability of AI decisions

explanation_registry with plain_english on every decision

✔

Art. 14 | Human oversight before execution

pending approval workflow with human-in-loop

🇸🇬 MAS FEAT

✔

Accountability | Who made the decision

user_id + AI Agent + role logged on every action

✔

Traceability | Full decision trail

complete audit log with decision_id + timestamps

✔

Transparency | Why the decision was made

reason + plain_english explanation on every decision

✔

Separation of Duties | Role-based approval chain

employee → manager → admin approval workflow

🇺🇸 NIST AI RMF

✔

GOVERN | Policy version controls

policy versioning + mandate controls per org

✔

MEASURE | Quantify AI risk

risk_score 0.0-1.0 + risk_factors on every decision

✔

MANAGE | Respond to risk outcomes

approved / pending / blocked enforced before execution

✔

MONITOR | Ongoing operational oversight

live feed + health endpoint + reconciliation

🇮🇳 RBI FREE-AI

✔

REC 04

Role thresholds enforce allowed/pending/blocked outcomes

✔

REC 07

Audit logs include decision_id, Policy v, reason

✔

REC 11

Human-in-loop stage approvals for high-risk actions

✔

REC 12

Separation of duty via approver role + identity tracking

✔

REC 16

Policy version visibility via API and dashboard

✔

REC 18

Lifecycle control: pending → approved/rejected → executed

✔

REC 21

Model explainability via explanation_registry on every decision (API + audit)

✔

REC 24

Independent risk scoring via risk_assessment on every decision (API + audit)

✔

REC 26

Operational monitoring with live feed + API health

Live evidence — All controls verified against demo_fintech in real time

Live evidence (demo_fintech)

REC	Control	Status	Evidence
Loading proof...

Controls support compliance. Certification requires independent audit. Contact sovigl100@gmail.com for enterprise compliance documentation.

Live Demo

Decide once. Enforce everywhere.

We make one decision. Everyone else simply follows it.

Pick a scenario, run once, and see the decision clearly.

Choose scenario

Decision

READY

Choose a scenario and click Run Demo.

Reference ID: —

Full audit trail saved automatically.

Single test

User ID

Role

Amount

Type

AI Agent

Description / Note

Vendor (optional)

Category (optional)

Select role to view policy limits.

Run multiple tests

Transactions

Delay (ms)

Result

// SOVIGL Control Plane ready

> Send a transaction to begin