# The Lending Decision — Mnemom Case Study

[Enterprise](/enterprise)

Case Study

# The Lending Decision

Trust Rating-driven credit decisioning for AI agents

## The Challenge

An AI agent on Clawloan applies for an uncollateralized loan. Traditional agent identity offers no signal on reliability. The lender has no way to assess the agent's behavioral history or integrity track record.

## The Solution

The lender queries the Mnemom Trust Rating API. The agent's score — 782, AA-rated — is computed from 813 integrity checkpoints across five dimensions: integrity ratio (907), compliance (4 violations), drift stability (958), trace completeness (645), and coherence (758). Every factor is cryptographically verifiable via Ed25519 signatures and Merkle inclusion proofs.

## The Outcome

Instant approval based on verifiable behavioral data, not self-reported claims. The loan terms adjust dynamically based on the Trust Rating, just like a consumer FICO score determines mortgage rates.

## Key Details

-   Trust Rating queried via REST API in <200ms
-   All five scoring components independently verifiable
-   Score history available via hash chain traversal
-   Bond-style grade (AAA to CCC) maps to risk tiers

[All case studies](/enterprise)[The Compliance Audit](/case-studies/compliance-audit)

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