Relationship-based, with delegated authority
| Month | Money in | Money out | Left over |
|---|---|---|---|
| Oct 2025 | $3,614 | $3,302 | $312 |
| Nov 2025 | $3,680 | $3,516 | $163 |
| Dec 2025 | $3,663 | $3,405 | $258 |
| Jan 2026 | $5,598 | $3,272 | $2,326 |
| Feb 2026 | $3,608 | $3,570 | $38 |
| Mar 2026 | $3,631 | $3,569 | $62 |
| Apr 2026 | $3,720 | $3,604 | $116 |
| May 2026 | $3,717 | $3,359 | $358 |
| Jun 2026 | $3,592 | $3,617 | -$25 |
| Jul 2026 | $5,580 | $3,593 | $1,987 |
| Aug 2026 | $3,657 | $3,496 | $161 |
| Sep 2026 | $3,712 | $3,484 | $228 |
Decided by deterministic rules (engine 0.1.0, Northgate Credit Union policy v1). Rates, limits and thresholds are illustrative.
The data going in is identical. Shaded rows are where the lenders disagree.
Relationship-based, with delegated authority
No offer
Decided against fixed policy
Approval is more likely once 90 days pass with no bounced payments.
Instant, automated, cash-flow only
No offer
Decided automatically, instantly
Approval is more likely once 90 days pass with no bounced payments.
Policy-driven, fixed thresholds
No offer
Decided against fixed policy
Approval is more likely once a full 12 months pass with at most 1 bounced payment.
Fictional institutions, synthetic data. Rates, limits and authority tiers are illustrative. Decisions are made by deterministic rules; see published test results.
Nothing else to suggest for this applicant.
Cleared automatically · time to verify 3.7 s
Identity documentPassed
Simulated drivers licence check: authentic and not expired.
Automated · 2.9 s
Name and date of birth matchPassed
Name and date of birth match the document.
Automated · 3.7 s
Sanctions screeningPassed
No match on the fictional sanctions list.
Automated · 2.7 s
Politically exposed person screeningPassed
No match on the fictional politically exposed persons list.
Automated · 2.7 s
Northgate Credit Union made no offer, so there is no repayment plan.
Northgate Credit Union made no offer, so there is nothing to fund.
Northgate Credit Union made no offer, so there is no loan to service.
Northgate is a provincially regulated credit union; coverage depends on its province. Each province's credit union deposit insurer sets its own limit (see the table).
Banks and federally regulated credit unions are CDIC members: $100,000 per eligible category, per member institution. CDIC
| Province | Insurer | Coverage |
|---|---|---|
| Alberta | Credit Union Deposit Guarantee Corporation | Unlimited (100% of deposits, including accrued interest) |
| British Columbia | Credit Union Deposit Insurance Corporation of British Columbia | Reported as unlimited |
| Manitoba | Deposit Guarantee Corporation of Manitoba | UnlimitedRegistered deposits included |
| New Brunswick | New Brunswick Credit Union Deposit Insurance Corporation | $250,000 per categoryEach registered plan type insured separately to $250,000 |
| Newfoundland and Labrador | Credit Union Deposit Guarantee Corporation | $250,000 per type of depositRegistered plans form one $250,000 category |
| Nova Scotia | Nova Scotia Credit Union Deposit Insurance Corporation | $250,000 per categoryEach registered contract insured separately to $250,000 |
| Ontario | Financial Services Regulatory Authority of Ontario (Deposit Insurance Reserve Fund) | Reported as $250,000; registered plans unlimited |
| Prince Edward Island | Credit Union Deposit Insurance Corporation | $250,000 per memberRegistered plans 100% |
| Quebec | Autorité des marchés financiers | Reported as $100,000 per deposit category |
| Saskatchewan | Credit Union Deposit Guarantee Corporation | Unlimited |
| Territories | No territorial credit union insurer found | Not applicable |
Limits checked against each insurer's site on 2026-10-11. Coverage rules have details (for example, registered plans); the insurer's site is the authority.
AI drafts the memo. The engine and a human make the decision.
Draft a memo from this lender's decision. Only the engine's structured output is used: no transactions and no personal details.
One input can track nationality: a foreign credit report. Programs cover only some countries, so whether a report exists depends on where someone has lived. Berry uses only the report's rating (good or better counts as credit history), never the country.
A test shuffles these across every applicant and checks that no decision changes. Large cash deposits are flagged for FINTRAC review but are never a credit factor.