Your AI features are now in scope for the bank examiner.

Tokto puts every AI capability your bank ships, every prompt it answers, and every model output it sends to a customer or a counterparty under one auditable trail the OCC, FRB, and FCA can read.

What you get with Tokto

• Every prompt and model output tied to a tenant, a customer, an account, a model version, and a session.
• A single audit log that satisfies the OCC, FRB, FCA, the customer GC, and the SOC 2 auditor on the same evidence.
• Policy applied at the prompt before tokens leave the boundary, with vendor and OAuth grants governed at the same plane.
• Defensibility under prudential examination, FCRA enforcement, and SEC class action at once.

How it works

Tokto sits at the AI control plane of the bank. Every customer-facing AI feature, every co-pilot used by a model risk team, every embedded vendor agent in a third-party SaaS becomes a record at the moment of output. The record carries the prompt, the policy applied, the model version, the human reviewer, the customer or account it touched, and the disclosure language active that day.

When the regulator asks how an AI denial was produced, when the bureau examiner asks how a credit decision was reviewed, when the D&O carrier asks what marketing claim was made about an AI feature, the answer is one query against the system of record. The CISO no longer has to assemble it after the fact.

What goes wrong without it

• An AI feature ships into customer environments without a vendor audit trail. The CISO loses a renewal call to the customer's CISO question.
• A model exfiltrates secrets through a hidden prompt-injection vector. CamoLeak-class loss before anyone reads the log.
• An OAuth grant on a CRM lets an attacker pull bureau-grade data with no record of consent or use limit. FCRA exposure the carrier did not price.
• The OCC arrives for an AI exam. The model team and the security team produce two different stories. The exam goes from routine to MRA.