An example of income and affordability verification as a governed process: agents do the 9 steps, and a person signs 2 gates before anything irreversible happens. Download it, import it into your workspace, and adapt it to your systems.
minctrl.process/v1 · hash b7567e38aa0e…82b0
Analysts hand-key months of PDF bank statements and paystubs to reconstruct verified income, DTI and disposable-income affordability for every applicant — slow, error-prone, and inconsistent across reviewers. The credit decision is then made on partially-verified numbers, creating both fraud loss and fair-lending/affordability exposure on marginal or thin-file files. Routine applicants are auto-classified and underwritten straight-through: agents pull the data, classify transactions, compute verified income/DTI/affordability, and pre-fill the credit decision packet with reason codes. Only marginal, thin-file, or stated-vs-verified conflicts reach an underwriter, who signs the final affordability decision before it is written to the system of record.
A minctrl.process/v1 document: the graph and the hash of the process it becomes.
Import into Minctrl opens this example in your workspace; one click stores it as your first version. Import JSON does the same with the file, and a file changed after download is refused.
Every connector starts in shadow: steps run, nothing leaves Minctrl until you configure a connector and switch it live.
Change signers, time limits and steps on the canvas. Each save is a new version; a running case stays on the version it started with.
Start from this example. Import the file in Processes, connect your own systems, and adapt the steps on the canvas. Agents run the reversible steps; every irreversible step waits at a gate for the role you choose. The example has 9 steps and 2 gates; you can change any of them.
Every run start, signature and change to the process is written to a hash-chained audit log your auditor can verify and export. A run is pinned to the exact graph it started on.
No. Minctrl will not make a process runnable while an irreversible step can be reached without a human gate, and one person cannot sign two gates of the same run.