Payments and releases
Authorize or withhold a proposed transfer before protected commit. A mutated amount is a new action.
Solutions
Decision Authorization for Financial AI
Agent output is not an authorized financial consequence. Once a model can recommend a product, draft a customer message, call a payment tool, or update a book of record, the institution has to decide whether that exact movement may bind it.
The buyer problem
Financial AI systems are fluent under incomplete evidence. A draft can look suitable while customer context, delegated authority, or current policy is missing. Monitoring tells you what the model said. Evaluation tells you whether the wording looks risky. Neither answers whether the proposed action has standing to proceed.
OntoGuard’s role
OntoGuard evaluates the exact proposed movement—payment, recommendation release, record change, or tool invocation—against intent continuity, governing basis, evidence, and authority. It returns ALLOW, BLOCK, or ESCALATE and records whether a protected effect formed. It does not make the regulated financial judgment itself.
Client communications
Stop fluent guidance from becoming a customer-facing commitment without authority.
Credit and approval workflows
Route incomplete evidence to human authority instead of autonomous release.
Investment support
Separate model suggestion from institutional permission to present or execute.
Autonomous tool usage
A callable tool is not automatically an authorized capability for the exact operation.
Record-changing actions
Prove whether a protected record mutation formed—or did not.
Illustrative authorization
PROPOSED MOVEMENT
Release customer-facing guidance as the recommended next step.
ESCALATE ↗
ReleaseWITHHELD
Protected effectNOT FORMED
ReviewREQUIRED
Public-safe synthetic example. See the flagship case for the full packet chain.
Integration boundary
OntoGuard supplies the decision. Identity, endpoint enforcement, and the protected payment or communication route remain with the institution or its implementation partner. Production fail-closed behavior is established only after that route is connected and evidenced.
OntoGuard does not replace registered-representative, credit-officer, or compliance authority. ESCALATE exists to route to that authority.