[ Kontor / Govern / Console ]

Autonomy you can put in front of a regulator.

Console is where your risk, operations and compliance people run an Kontor programme. They write the policy, approve what agents propose, and answer any question about any decision.

See the regulatory map

Policy

Change control for credit policy

Rules, product config and agent permissions are versioned. A change needs a named approver, a test against historical traffic and a go-live date. Rolling back is a single action.

Queues

One queue for every handoff

Agent proposals, s.75 outcomes, default notices and flagged authorisations arrive with the full case attached: ledger history, conversation and the agent's rationale.

Replay

Any decision, exactly as made

Pick any decision from the last seven years and Console rebuilds it from the inputs, the rule version and the balance as known at that moment. Your answer to a complaint, an ombudsman or an examiner is a link.

Outcomes

Outcome reporting, built in

Outcome monitoring by cohort, including vulnerable customers, covering resolution times, hardship take-up and cure rates — shaped for UK Consumer Duty reporting and for board packs anywhere.

[ Audit trail ]

Agent, human and ledger on one timeline.

Every entry records who acted, under which policy clause, and with what result. The record is append-only and hash-chained, and you can export it on demand for auditors and regulators in any market.

14:02:11  hardship-agent   proposed  plan.reduced_payment  acct LN-20481
          rationale: I&E shows $212/mo surplus after priority bills;
                     3 months at $120 keeps the past-due from growing.
          policy:    aop_hardship_v14 §4.2  (agent may propose, not apply)
14:09:47  j.okafor (Ops)   approved  plan.reduced_payment  four-eyes ✓
14:09:47  ledger           posted    schedule.amended  eff 2026-03-01
14:09:48  servicing-agent  sent      confirmation  channel: app + email

[ Roles ]

Separation of duties, by default.

Role	Can	Cannot
Policy author	Draft rules and product config, run backtests	Approve their own change
Risk approver	Approve policy versions and set agent autonomy	Edit customer accounts
Operations	Work queues and approve agent proposals within limits	Change policy
Compliance	Read everything, replay decisions, export evidence	Take actions on accounts
Agents	Act or propose within the role granted	Approve, change policy or post directly

Kontor Ledger

Event-sourced, double-entry, bitemporal. The system of record for every balance, accrual and fee.

Decision Engine

Origination, limits and real-time authorisation, decided in milliseconds with reason codes attached.

Agent Runtime

Supervised agents for disputes, collections, hardship and servicing. They act inside your policy.

Run your credit book on Kontor.

Bring a product spec or a portfolio extract. We'll show you how the ledger, decisions and agents would run it, and what your regulator would see.

View demo Read the regulatory map