Sample record · Banking · consumer lending

A credit model's withdrawal goes to a lending officer first

After storm-related income disruption, a credit model recommends withdrawing a pre-approved loan offer. A lending officer checks with the employer and approves a smaller amount instead.

Fictional scenario, real seals. No company, person or transaction here is real. Each record was sealed on Verdict’s public sandbox and logged on Sigstore Rekor, a public log Verdict does not run. This chain was sealed in one sitting, so its log times are seconds apart; in a live deployment each step is logged when it happens.
What the log time settles in a real case

That a person reviewed the model's recommendation before any message went to the customer.

  1. Step 1 of 2 · Credit model recommends withdrawalAwaiting human review

    Model flags a drop in the customer's salary deposits over the last 60 days and recommends withdrawing the JMD 1,500,000 pre-approved offer. Routed to a lending officer before any message goes to the customer.

    Logged on Rekor
    2026-10-14 02:19:05 UTC
    Log index
    3247822463
    Record id
    ser_a383778f88ae4f060279d8ba137926f8
    Verify in your browser →Open the Rekor entry ↗Download the record
  2. Step 2 of 2 · Lending officer approves a reduced amountHuman approved

    Lending officer (fictional) confirms with the employer that the workplace reopened on 2026-09-21 and salary has resumed. Approves JMD 900,000 instead of 1,500,000, priced to the updated risk grade, with a 60-day review. Reason recorded. The customer is told the decision the same day.

    Logged on Rekor
    2026-10-14 02:19:06 UTC
    Log index
    3247822472
    Record id
    ser_5086c93c22af206a567fa06cf634682e
    Verify in your browser →Open the Rekor entry ↗Download the record

How to check the time yourself. Open the Rekor entry and compare its logged hash with the SHA-256 of the record’s commitment, which the verifier shows. If they match, the entry’s integrated time is the earliest moment this content is proven to have existed. Log times above were read from Rekor on 2026-10-15.

A record proves what it says has not changed since it was logged. It does not prove the event happened as described, or who made the record. What Verdict proves, and what it doesn’t →

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