The FCA letter names a person. Not the firm. Not the model. The accountable person.

Use Provenance Kernel when a critical decision has to be proven. It reads your documents once, locks the evidence base, and returns exact source sentences with a verifiable audit trail.

127.0.0.1 — local vault

Active Vault: /Users/user/Desktop/FCA data
FactPacks Folder: /Users/user/Desktop/FCA data/FactPacks

Change Vault (requires restart)

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Why Provenance Kernel?

Defensible decisions

Every conclusion is backed by explicit evidence, not AI-generated opinion.

Confidence

Same question. Same documents. Same evidence. Every time.

Lower operating costs

Read once. Question forever. Zero token costs.

Complete confidentiality

Your documents never leave your own environment.

Full traceability

Every piece of evidence links directly to its original document and location.

Independent verification

Evidence can be cryptographically verified to detect any alteration.

Munich Court · June 2026

The verification burden does not transfer to the user. The producer owns the output.

Insurance Market · 2026

Major carriers now excluding AI liability from D&O, E&O and cyber policies without a demonstrable evidence record.

FCA · SM&CR · In force now

Named Senior Managers are personally accountable for the evidential basis of AI-assisted decisions.