The audit layer
Write six records for every agent action: trigger, inputs, output, who confirmed it, what they changed, and what it refused to do.
In every offerIt goes into every build.
The four answers
- Who buys it
- Regulated firms, and anyone whose work is adjudicated after the fact: deposit disputes, redress schemes, professional indemnity.
- What stays human
- Everything the records are about. This offer does not act; it makes acting defensible.
- How it is charged
- Included in every other offer, and specified in the statement of work rather than an annex. Sold separately only where somebody else built the agents.
- The system behind it
- None of ours yet. It is built on your systems and the model provider’s, and saying otherwise would imply a platform we have not written.
Before you buy it
The refusal record is the one nobody asks for and the only evidence that a guardrail is load-bearing rather than decorative.
And the general test, which applies to this offer as much as any other: six questions that settle whether a task should be automated at all. Five of its eight verdicts are some form of no.
What it leaves behind
Six records for every action: what triggered it, what it read, what it produced, who confirmed it, what they changed, and what it refused to do. Read a record being written: an illustration, replayed, that downloads as a CSV.
Checked 8 September 2026. Any figure on this page is restated from In a regulated firm, the audit trail is the product and Can an IFA use AI to write suitability reports without breaching Consumer Duty, where it carries its source, its weight and the date it is next due, and where it is listed on the public register with every other number on this site. If one has gone stale before we got to it, tell us.
One job, named. Tell us which.
Not “automate the back office”. The specific thing that is eating the hours, with the six audit records written into the statement of work before anything is built.