NYOMO

System of record / AI decisions / Europe

Your AI is deciding who gets the loan.
Keep the receipts for every decision.

Nyomo creates an audit-ready record of every automated credit decision including consent, decision factors, human review, model provenance, and regulatory evidence.

Consent Explanation Review Signed provenance Export

The regulatory question

She was declined. Can you tell her why?

When a regulator, a data-subject request, or an Article 22 challenge lands, it is indexed by the person—not the tool.

Nyomo keeps the whole decision reconstructable: the score, the bureau feed, the disclosure, the officer’s override, and the outcome.

GDPR Art. 22
Live
CCD2 Art. 18
2026
EU AI Act
Horizon

The compliance loop

Your records form while the decision moves.

Accountable moments written in-flow. We're there at each step, building the record.

  1. 01

    Register

    Register the capability and resolve the obligations that apply.

    Risk + obligations
  2. 02

    Capture

    Record consent and context before the decision proceeds.

    Before decision
  3. 03

    Explain

    Serve understandable reasons and a visible route to human review.

    In product
  4. 04

    Sign

    Bind inputs, outputs, and interventions into immutable provenance.

    Every event
  5. 05

    Defend

    Export the person-indexed evidence a challenge requires.

    On demand

How Nyomo fits into your stack

Compliance infrastructure inside the decision flow.

Easily connect Nyomo to your application, underwriting model, data providers, and review process you already use. It records the compliance events around each decision, then assembles them into a person-indexed evidence trail.

  1. Application flowConsent, notices, and explanation delivery
  2. Credit model + data providersInputs, model context, and decision outcome
  3. Human reviewIntervention, rationale, and final disposition

Nyomo / decision record

One continuous, person-indexed trail.
  • Events recorded as the decision happens
  • Signed provenance binds inputs, disclosures, outcome, and review
  • Export-ready evidence for a regulator or data-subject request

Nyomo does not replace your underwriting model or loan origination system. It makes the compliance evidence around their decisions durable, retrievable, and ready to review.

The standing record

A decision you can reconstruct years later.

Nyomo normalizes evidence across every system that touched the decision, then holds it against the affected person.

Subject
Applicant #4471
Systems
Bureau · model · officer
State
Signed and export-ready

Why Nyomo

We build your audit-ready records.

Person-indexed

Answers the question regulation actually asks.

Not “what does this model do?” but “what happened to this applicant?”

Written in-flow

Exists before the challenge arrives.

Evidence forms with the decision, so nothing critical depends on memory or manual reconstruction.

Regulation-aware

Knows what every artifact is there to prove.

Each signed event is already mapped to the obligation it satisfies — no dashboard to configure, no separate audit project.

Infrastructure, not overhead

You ship the product. Nyomo ships the proof.

Think of it the way you think about Stripe for payments — you don’t build the rails, you ship the product. The evidence report isn’t extra work. It’s a byproduct of making the decision in a better place.

Early access

Keep the trail before you need to defend it.

Early access is opening to a small group of companies.

We’ll use your details only to respond to this request and assess early-access interest. No newsletter. See our privacy notice.