Trust, verification & insurance layer for AI decisions

Sign every AI decision. Verify it. Insure it.

Signatrust is the independent trust layer for AI agents and automated systems — turning every decision into a signed receipt, an audited trust score, and an insurable risk profile. Your data never leaves your perimeter.

Get started See the trust chain
Sign · Ed25519 receipts Verify · independent trust score Insure · underwriteable AI risk
When an agent acts and no one can prove it

Three things that already happened. None had a receipt.

EU bank · Treasury · Q1 2026

A finance agent approved a €487,000 transfer at 02:14. Six months later, when the auditor asked which policy applied and who reviewed the call, no one could prove a thing.

Decision logged. Decision unprovable.
Consumer credit · 2025 dispute

An AI denied a mortgage. The regulator gave the lender 14 days to produce the rationale. The system had logs — none of them signed, none of them tamper-evident, none of them admissible.

Records existed. Evidence didn't.
B2B SaaS · production incident

A DevOps agent modified production at 03:40 during a freeze window. Three teams pointed at each other. "The agent did it" satisfied no one — including the enterprise customer whose SLA was now broken.

Blame circulated. Accountability dissolved.

Anonymised industry patterns, not testimonials. Today, every one of these would have a signed, chain-linked Decision Receipt any auditor, regulator or counterparty can verify in seconds — without trusting the party who logged it.

signatrust.net / verify
Verified
STR-7F3A21C9D4
Decision Receipt · Ed25519 · spec v1.0
High risk
Agent
FinanceBot
Model
openai · gpt-4o · 2026.4
Decision
loan_rejection
Human review
Yes
Input
sha256:6718c8a836…abbcf768
Output
sha256:8a3466a5e7…8882c42a
Policies
eu-ai-act-high-riskinternal-credit-v3
Ed25519 signature fj9FpBMPgPdEBlkZ44OsSaHo350+h1MengjAANyrLoKXPv5VBI+uXN8UI+hD8MIWHbL8LZhYVK2veA+O3GDSCw==

Audit trail

  1. Decision captured2026-06-07T10:00:00Z
  2. Input & output fingerprintedSHA-256 · on your side
  3. Receipt canonicalized & hashedledger seq #42
  4. Signed with node keyed25519
  5. Linked to previous receipttamper-evident
70/100 Agent Trust Score · B
The trust chain

One spine. Three layers. From a single decision to insurable AI risk.

Most tools cover one slice — logging, or auditing, or insurance in isolation. Signatrust runs the whole chain on a single evidence base, so every layer above is derived from real receipts, not self-attested claims.

Decision → Receipt → Verification → Trust Score → Risk Score → Insurance. Each layer is independently checkable. Nothing is self-attested.

The Signatrust platform

One proof engine. A family of products on top.

Every Signatrust product is a different surface on the same append-only, Ed25519-signed ledger. New verticals plug in without forking the trust model — so Trust Scores, compliance and risk profiles stay consistent across humans, agents and automated systems.

Built to support your obligations under

EU AI Act · Regulatory clock

Where the EU AI Act stands today

On 7 May 2026 the European Council adopted the Digital Omnibus, postponing most high-risk enforcement dates. The widely-cited August 2026 deadline no longer applies. But the obligations that are already binding require years of audit history when regulators come asking — and that history can only be built one signed decision at a time.

In force now
2 February 2025

Article 5 — prohibited practices

Subliminal manipulation, social scoring, untargeted scraping of facial images, real-time biometric ID in public spaces, emotion inference at work and school. Fines up to €35M or 7% global turnover.

In force now
2 August 2025

GPAI model obligations

Providers of general-purpose AI models must keep technical documentation, training-data summaries, copyright policies, and (for systemic-risk models) adversarial testing records. Enforced by the AI Office.

Postponed
2 December 2027

Annex III — high-risk systems

Credit scoring, employment decisions, education, essential services, law enforcement, migration. Postponed from August 2026 by the Digital Omnibus. Full Art. 9–15 conformity required: risk management, data governance, logging, transparency, human oversight, accuracy.

Postponed
2 August 2028

Annex I — embedded high-risk

AI as a safety component of products already regulated under EU harmonisation law (medical devices, machinery, toys, lifts, in-vitro diagnostics, etc.). Full conformity assessment under both sectoral and AI-Act rules.

The real urgency is not the deadline — it is the evidence window. When an Annex III audit lands in 2027, auditors will not ask what you decided that week; they will ask for a year or more of signed, chain-linked records covering how the system actually behaved in production. Companies that start sealing receipts now will have it. Companies that wait will not.

Sources: Regulation (EU) 2024/1689 (the AI Act); Digital Omnibus political agreement, 7 May 2026. Always confirm dates against the Official Journal and your own counsel.

The accountability gap

What happens when the agent acts — and no one can prove who did what?

A database row tells you what your system says happened. It doesn't prove the record wasn't changed, under whose authority it ran, or with which model. Today's autonomous agents take real actions every minute — and the questions that follow are the ones auditors, regulators and counterparties actually ask.

Finance agent

Transfers €100,000 to the wrong supplier

Who authorised it? Which model and version? Was a human in the loop? Was the spending limit checked at the moment of the call?

Credit agent

Rejects a loan application

The applicant has a legal right to the reasoning. Which policy applied, which features mattered, and which model version produced the answer?

Procurement agent

Signs a supplier contract

Did it have signing authority for this counterparty? Within what cap? Was the counterparty risk-checked before the signature went through?

DevOps agent

Modifies production infrastructure

Which agent, with which permissions, in which change window, with whose on-call approval? What was the previous state — and can you prove no one rewrote the log?

Without an independent receipt, none of these have an answer that survives an audit, a regulator, or a court. Your own logs are evidence about you, written by you. Signatrust gives the same facts a signature anyone else can verify — without trusting you.

A receipt for every decision

Cryptographic evidence, not just a log line

Each decision is sealed into a Decision Receipt: the agent and model that acted, the permissions and policies in force, fingerprints of the input and output, a timestamp, and an Ed25519 signature — chained to the previous receipt.

  • Signed. Every receipt carries an Ed25519 signature from the issuing node.
  • Chained. Receipts link by hash in an append-only ledger; altering one breaks the chain.
  • Portable. A receipt is self-contained JSON anyone can store, share and verify.
import { Signatrust } from 'signatrust';

const str = new Signatrust({ apiKey: process.env.SIGNATRUST_API_KEY });

// input & output are hashed locally — raw data never leaves
const { receipt, share_url } = await str.sign({
  model: { provider: 'openai', name: 'gpt-4o', version: '2026.4' },
  decision: {
    type: 'loan_rejection',
    input, output,
    risk_level: 'high',
    human_review: true,
    permissions: ['credit.decide'],
    policies: ['eu-ai-act-high-risk'],
  },
});
Independent verification

Anyone can check a receipt — without access to your systems

Authenticity (body hash + signature) is provable from the receipt alone. An auditor, regulator, counterparty, or the end user holding their receipt can confirm it in seconds, online or offline.

  • Hash match. The receipt body re-hashes to the value it claims.
  • Signature valid. The Ed25519 signature checks against the published key.
  • Chain intact. The receipt links cleanly to its predecessor in the ledger.
STR-7F3A21C9D4
Authentic
Body hash matches pass
Ed25519 signature valid pass
Chain linkage intact pass
Receipt STR-7F3A21C9D4 is authentic and untampered.
How it works

Three lines of code. One verifiable receipt.

Drop the SDK into your agent. Every decision is fingerprinted locally, sealed, signed and chained.

Fingerprint locally

The SDK computes sha256 of your input and output on your machine. Only fingerprints leave.

Seal & sign

The node builds a canonical receipt and signs it with Ed25519, stamping model, permissions and policies.

Chain it

Each receipt links to the previous one by hash — an append-only ledger where tampering is evident.

Share & verify

Any third party can verify the receipt independently, with no access to your data.

Live — not a mockup

Sign a real decision right now

This calls the running Signatrust node. A demo agent is created for you, your decision is sealed into a real signed receipt and verified — and you can tamper with it to watch verification fail.

New decision
Decision Receipt awaiting decision
Fill in a decision and select Seal & sign to mint a live Decision Receipt.
Zero data access

Verify everything. Share nothing.

Signatrust is engineered so that even Signatrust cannot see your decisions. By default nothing operational leaves your environment — only SHA-256 fingerprints and metadata, never content. We are closer to a company that builds a vault than one that collects data.

"Your AI decisions never leave your infrastructure."

What Signatrust never sees

  • No prompts
  • No model inputs or outputs
  • No documents or attachments
  • No customer, case or model identifiers
  • No raw decision content — only sha256 hashes
Data sharing is opt-in

You decide what — if anything — is ever shared

Signatrust collects no operational data by default. A global trust network, shared risk benchmarks and, in time, insurance models are powered only by what customers choose to contribute — always anonymized and aggregated.

Level 1 · Private

Nothing leaves

Maximum trust. No contribution to benchmarks or training. The default posture for banks, government and defense.

Level 2 · Aggregate

Counts, not content

Share only aggregate signals — decision volume, decision types, error rates, human-review rates. No prompts, outputs or identifiers.

Level 3 · Contributor

Opt-in benchmarking

Voluntarily contribute richer anonymized signals in exchange for benchmarking reports, comparative insights and pricing benefits.

Built to become a standard

Reputation and reach, on top of the evidence

An open receipt format spreads across the ecosystem — and every receipt feeds a recomputable reputation signal for the agent that issued it.

Read the ADR specification    See real, verifiable use cases

Agent Trust Score

A 0–100 reputation derived from verifiable history: integrity, oversight on risky calls, governance and longevity.

Agent framework drop-ins

Wrap a tool call in LangChain, CrewAI, AutoGen or the OpenAI Agents SDK and emit a receipt.

n8n community node

Drop the n8n-nodes-signatrust node into any workflow to sign, verify or fetch a Decision Receipt — Cloud or self-hosted. See the integration →

Open spec & MCP

An open receipt specification and a Model Context Protocol tool so any agent can seal its actions.

A passport, not just a number

Every agent earns a Trust Passport — verifiable by anyone

The score is the headline. The passport is the proof. Every datum links back to receipts an auditor can independently re-check. Counterparties and regulators can demand it before they let your agent act in their systems — and recompute it themselves at any time.

  • Recomputable. Every number is a function of receipts on the public ledger — no opaque scoring.
  • Portable. A signed snapshot at a stable URL. Embed it in vendor questionnaires, due diligence, RFPs.
  • Privacy-respecting. Counts and rates, not prompts or outputs. K-anonymity controls before any public disclosure.
Open a sample passport
Trust Passport · sample
FinanceBot · Acme Bank
signatrust.net/passport/financebot-acme
A
94
Trust Score · 0–100
Verifiable receipts
48,211
High-risk actions
921 · 98.4% human-reviewed
Independent verifications
1,832 checks by 14 parties
Incidents (180 days)
0 · clean record
First seen
March 2026 · 187 days active
Frameworks in use
LangChain · OpenAI Agents SDK
Snapshot signature valid Sample data — the live page recomputes from real receipts.
Layers 2 & 3 of the trust chain

From verified receipts to compliance & AI insurance

The receipt layer is the foundation. On top of it, two regulator-grade products fall out directly: compliance reports an auditor can re-check, and risk profiles an insurer can underwrite — both derived entirely from real receipts, never self-attested.

Compliance & audit

Regulator-ready reports mapped to the EU AI Act, GDPR, NIST AI RMF and ISO/IEC 42001 — every control backed by verifiable receipts an auditor can independently re-check. Export a signed, tamper-evident copy in one click.

  • EU AI Act Art. 9, 11–14 · GDPR Art. 5, 25, 30
  • Human-oversight & data-minimisation evidence
  • Signed export, verifiable without trusting us
Open compliance

Risk & insurance

An insurance-grade risk profile from verifiable history: exposure by risk level, the strength of operating controls, an insurability score and a relative underwriting index. A comparative signal for underwriters — derived, never invented.

  • Insurability score & grade (A–F)
  • Relative underwriting index (baseline 1.00)
  • Anonymized, k-protected network benchmarks
Open risk profiles
From risk profile to live underwriting

Three concrete bridges to the insurance market

The risk profile isn't a marketing claim — it's already queryable, exportable and shaped for the people who actually price AI risk.

Underwriter Portal

Preview

A read-only dashboard for insurance partners: live insurability grade, premium index, exposure by risk level, control strength — and one-click verification of any receipt in the sample.

  • Per-agent insurability grade (A–F) & score
  • Relative premium index vs. network baseline
  • Independent verification on every line item
Open sample portal

Insurance Partner API

Live

Two unauthenticated endpoints already in production. Underwriters can pull profile data programmatically and rebuild their own pricing models on top.

GET /api/v1/risk/{agentId}
GET /api/v1/risk/network/benchmarks
View discovery document

Sample Risk Report

Live JSON

A real, recomputable risk profile served as signed JSON: insurability score, premium index, exposure by risk level, control strength, network percentile.

  • Derived from real receipts, never invented
  • Stable schema — safe to integrate against
  • Anonymized peer benchmarks (k-protected)
Fetch network benchmarks
Underwriting partnerships

We don't have a capacity partner to name yet — and we won't pretend otherwise.

The data engine above is live in production. The first underwriting partnership will be announced publicly the day it's signed and bindable, not before. If you price AI risk for a living, the partner program is open today.

Open the partner program
  • MGAs & captives pricing agent-driven operational risk
  • Specialty insurers in tech E&O, cyber, professional indemnity
  • Reinsurers exploring AI-exposure pools and treaty structures
A new primitive for autonomous systems

Every new layer of the internet needed a new way to prove something.

Standards win when they make a hard question routine. Signatrust is in that lineage — not a SaaS feature, an operating primitive for the agent era.

OpenAPI
made APIs
understandable
OAuth
made identity
delegatable
Signatrust
makes AI decisions
provable

A Decision Receipt is meant to become as ordinary in the agent stack as a TLS certificate is on the web: small, signed, independently verifiable, free to issue — and present everywhere a decision is made.

Pricing & plans

Free to start. Enterprise when you need scale, privacy or an SLA.

Issuing and verifying Decision Receipts is free — and built to stay that way. When you need unlimited volume, a private or air-gapped deployment, signed webhooks, custom-branded verification or a contractual SLA, Enterprise is priced to be very competitive — talk to us and we'll tailor it to your volume.

Enterprise
Custom · very competitive
Banks · insurers · government · defense
  • Unlimited decisions & documents
  • Private, on-premise or air-gapped deployment
  • Signed webhooks & custom-branded /verify
  • BYO signing keys / HSM · SSO · SLA
Talk to us

Issuing receipts is always free. You pay only for private deployment, scale and support — never for the right to sign.

Give every AI decision a receipt

Register an agent, seal your first decision, and share a verifiable receipt anyone can check — in under a minute.