Enterprise agentic decision intelligence
AI that earns
the right to decide.
Authentia puts governed reasoning agents beside your underwriting and credit teams, shows you exactly where human and agent decisions diverge, and hands over autonomy only at the pace you choose. A human stays in command of every consequential call.
- Built on IBM watsonx
- Human-in-command by design
- Replaces nothing in your stack
A real decision path — application to sealed, human-approved bind
IBM watsonx partner
Provisioned and running end-to-end on IBM watsonx today.
watsonx.ai
reasoning
watsonx Orchestrate
orchestration
watsonx.data
enrichment
watsonx.governance
audit & guardrails
Your moat isn't your systems.
It's your decisions.
Underwriting, credit, claims — the decision layer is where an insurer or bank wins or loses money. AI will price this risk; the market is already moving.The institutions that put a governed, human-supervised decision capability in place now will set the terms. The ones that wait will inherit someone else's.
Expert Bottleneck
Your best underwriters and credit officers are exceptional — and finite. Every growth plan in the book queues behind the same few calendars.
Authentia sits at the decision layer —
and replaces nothing.
It connects to the systems you already run, learns the way your institution actually decides, and gives every consequential decision a governed, auditable second opinion. Adoption is a dial, not a migration.
Your specialists keep deciding. Agents work the same cases in parallel, and you see every case where the two part ways — with the reason attached.
Your best people’s judgment becomes an institutional asset — written down, testable, and still there after they retire.
A human in the loop from day one. Autonomy is something the agents work up to.
Human × agent
Your experts are the champion.
Our agents are the challenger.
Champion/challenger is how risk teams have always proven a new decision strategy. Authentia applies it to agentic AI: a bench of reasoning agents runs in shadow on your live business, every decision is compared with your own specialists', and the drift between them becomes your adoption roadmap — including which agent has earned which decision.
See the drift
Every human–agent divergence is surfaced, explained, and traced to its source — a threshold, an appetite call, or missing context.
Bench the agents
Not one model — a bench. Every case is scored across several reasoning agents from the watsonx.ai catalog, and the gauges show which one decides most like your best people, decision type by decision type.
Close the gaps
Tune the guidelines and teach the agents how your institution actually decides — with evidence from your own book, not anecdotes.
Widen the mandate
An A/B test of your decision bottlenecks, not a big-bang migration. Nothing changes hands until you decide it should.
Trust here is a number on a board — and you set the bar it has to clear.
Bound with brush-clearance condition — long-standing client, mitigation verified on site.
> wildfire_score 82 > 80 → refer trigger · uw-guidelines/2026.1
bench · gpt-oss REFER · granite REFER · mistral REFER · llama ACCEPT
Drift source: threshold. Your book historically binds to 85 with verified mitigation; the guideline refers at 80. Seven similar cases this month — tune the rule, keep human sign-off.
Agents decide in parallel. Nothing changes hands.
Agent drafts, your specialist signs every case.
Earned per segment. Dialed back any time.
Click a case, or open the agent bench — sample data from a 30-day shadow run
Platform
Every layer does one job,
governed by construction.
Orchestration, reasoning, data, and governance — a multi-layer stack coordinated end-to-end on IBM watsonx, in an architecture an auditor can walk floor by floor.
Orchestration
One deployed flow runs every decision: reason twice, reconcile, price, route, seal. If the two reasoning runs disagree, the flow refuses to bind and hands the case to a person.
flow: authentia_underwrite · every step a visible, traceable node
Reasoning agents
Agents emit judgement — decision, coverage, codes, confidence. Never dollars, never dates. Below your confidence bar, the case goes to a human.
Data
A strongly-typed asset ontology is the contract between every layer — five high-value asset classes, versioned rules, enrichment from governed tables.
Governance
Every decision self-seals — payload hash, reasoning hash, consistency verdict, prohibited-factor scan. The examiner's evidence exists before the question.
Enterprise architecture
Four floors, each speaking only to the floor below. The gateway ships with no AI SDK at all — the trust boundary is verifiable by static inspection.
Adoption
Prove it in shadow.
Adopt at your pace.
A path you can stop at any step and still be better off. From first shadow run to autonomy, a person is in command the whole way.
same case, parallel decision — zero customer impact
Where it runs
Built for the assets
that can't be wrong.
One governed decision layer across high-value risk — underwriting, credit, and client intelligence on the same platform, the same ontology, the same audit trail.
Underwriting for the assets that resist automation
From jets to fine art: priced, routed, and sealed decisions on one governed contract built for five high-value asset classes — with automatic escalation the moment a case turns unusual.
Security & privacy
Your data never
leaves your building.
Security is where this platform's engineering started, not a chapter added for the sales deck. Authentia arrives as complete, dedicated infrastructure — we deliver it, we deploy it, and from day one you own it. The models do their thinking there too.
For a bank or an insurer, that distinction is the whole game: the questions your security and compliance teams will ask first are answered by the architecture, not by a vendor promise.
Local inference, in plain terms
Most AI products send your information to someone else's computers to be processed. Authentia works the other way around: we deliver and stand up a dedicated environment — servers, models, and platform — that is yours from the day it goes live. The reasoning models run inside it, so applications, client files, and every decision are processed within a perimeter you own, the way your core systems are. Nothing goes to a public AI service, and nobody outside that perimeter — including us — can see your book.
Your perimeterowned by you
Nothing crosses this line — not to a public AI service, not to us.Your book stays yours, byte for byte.
Your deployment, your keys
We build it, we deploy it, you own it — the network rules, the access controls, and the audit scope are all yours. Your security team can pull the plug at any moment, and no one needs to ask us first.
Zero-knowledge identity layer
Client identities stay cryptographically sealed even inside the platform. A cleared reviewer unseals a name only when a decision requires it — and the unsealing is itself part of the record.
· The reasoning engine holds no path to your data — the guarantees below are enforced in code
Governance
Trust, enforced
in code.
"It cannot go rogue" is an architecture, not a promise. These guarantees are enforced in the platform itself — and the IBM watsonx enterprise stack sits underneath all of it.
· Live end-to-end on IBM watsonx
· Model-neutral by design — swap models by configuration
· Versioned rules: past decisions stay reproducible
Deterministic money boundary
A wrong number from the model can never reach a policy. Premiums, dates, and routing come from rate tables — not tokens.
Self-consistency refusal
Every case is reasoned twice. If the two runs disagree, Authentia refuses to bind — confidence zeroed, human takes over.
Tamper-evident seal
Every decision is sealed with payload, reasoning, and record hashes. Any later edit is visible, forever.
Prohibited-factor guardrail
Every rationale is scanned for protected classes — provable to a regulator without exposing the model’s private reasoning.
One public door
The reasoning engine holds no path to your data. The boundary is verifiable by inspection — not by policy memo.
AI will make these decisions.
The only question is on whose terms.
Start in shadow, beside the people you already trust. What the agents take on next is decided by their record — and by you.