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Continuous Decision Intelligence
Intelligence That Acts, Not Just Advises
Most underwriting teams are working with incomplete data and a manual review process that can't scale. Worth's Continuous Decision Intelligence turns verified identity, network intelligence, and risk signals into clear, confident decisions in real time, within the logic your team defines.
350M+
SMB profiles
200+
Countries & territories
1,200+
Data points per entity
Real-time
Perpetual monitoring
Underwriting Assistant and Agent Manager
Meet CODI
CODI is the conversational interface your underwriting and risk teams use to query the work Worth's autonomous agents do. CODI answers questions about case decisions, outstanding documentation, and portfolio changes by pulling directly from the reasoning the agents produce. The work happens in the background, and CODI provides you with an easy way to see into it.
How It Works
From Data to Decision
Your decision logic shouldn't live in spreadsheets, email threads, or an underwriter's institutional memory. Worth makes it autonomously actionable: from the rules you set to the portfolio signals you need, running continuously without manual intervention at every step.
1
Define Your Playbook
Set the decision criteria that reflect your institution's risk appetite: approval thresholds, required data points, escalation triggers, and workflow routing. No engineering required. If your requirements change, it's as simple as updating the rules.
2
Ingest & Crosswalk
Worth pulls business data from hundreds of sources and crosswalks entity identities across government registries, commercial databases, and real-time signals. A single search produces a unified, verified business profile.
3
Decide in Real Time
Every application is evaluated against your configured rules the moment it arrives. Approve, decline, or route to review — with reason codes that explain why, not just what.
4
Adapt & Improve
Decision patterns, portfolio performance, and emerging risk signals feed back into the engine. Your playbook stays current as your portfolio grows and conditions shift, without waiting for a scheduled policy review.
The Infrastructure Behind Continuous Decision Intelligence
Purpose-Built, Not Patched Together
Every capability in the Worth platform is built on top of a core foundational stack: owned data, proprietary crosswalking, end-to-end workflow, and perpetual monitoring.
Data Ownership Is the Moat
Most providers make one-time API lookups against databases they don't own. Worth owns its data lake, with global SMB coverage that's continuously expanding. That's the compounding advantage nobody can copy.
- 350M+ business profiles across 200+ countries and territories
- 1,200+ data points per entity from 350+ sources
- Continuously updated, not refreshed quarterly
- Direct integrations with SoS, IRS, Google, and dozens more
Proprietary Crosswalking Technology
Worth's AI/ML entity resolution unifies fragmented records into a single, accurate view of any business. Industry-leading match rates — reconciling inconsistencies with confidence-weighted outputs.
- Multi-source entity resolution with confidence scoring
- Catches ownership discrepancies that single-source searches miss
- Accelerates underwriting by resolving data conflicts automatically with the highest authority match
- Integrates first- and third-party data in one pass
End-to-End Onboarding & Underwriting
Most institutions string together point solutions for every check in their onboarding workflow. Worth consolidates them. From initial KYB through identity verification, AML screening, and fraud detection, every check runs in one platform with shared data and a single audit trail. No handoff gaps. No reconciliation between systems.
- Single integration covers KYB, KYC, IDV, AML, and fraud
- Configurable onboarding flows via SDK or API
- Case management with 360° business profiles
- Direct integrations with SoS, IRS, Google, and dozens more
Perpetual Monitoring & Tokenized PII
Ownership changes. Liens appear. UBO structures restructure. Business circumstances shift between your annual reviews — often without you knowing until it's too late. Worth monitors your portfolio continuously and surfaces material changes as they happen, so your risk picture reflects what's true now, not what was true at origination.
- Real-time portfolio risk alerts as signals change
- Tokenized PII — one-time verification, reused forever
- Re-underwrites automatically when risk signals shift
- Real-time alerts on material portfolio changes and between scheduled review cycles
Agents In Action
See Continuous Decision Intelligence Work
CDI agents don't replace underwriter judgment. They handle the work underwriters shouldn't have to do manually. Click any agent example below to watch it trace a real-world scenario — discovering hidden connections, making decisions, and adapting continuously inside your controls.
Story 1 · Research Agent
The Hidden Owner
A dental group lists one owner. The research agent discovers an unlisted holding company and the real beneficial owner — never listed on the application.
Research Agent
DISCOVERING
Story 2 · Decisioning Agent
The Phoenix
A logistics director traces back to three dissolved freight companies, all leaving creditors behind. The decisioning agent holds the application.
Decisioning Agent
ANALYZING
Story 3 · Risk Monitoring Agent
The Undisclosed Side
A clean business quietly opens a second storefront selling CBD. Infrastructure fingerprints give it away — surfaced over time, without anyone asking.
Risk Monitoring Agent
MONITORING
Story 4 · Decisioning Agent
Precision, Not Noise
A PEP alarm fires on a name match. The agent tries to build a connecting path, finds none, and clears it. No human had to touch it.
Decisioning Agent
DECIDING
Story 5 · Platform Agent · Codi
The New Owner
A machine shop changed hands. The SoS record is stale. Codi asks for the purchase agreement, verifies the transfer, and updates ownership — ahead of the public record.
Platform Agent · Codi
RESOLVING
Research Agent
DISCOVERING
Decisioning Agent
ANALYZING
Risk Monitoring Agent
MONITORING
Decisioning Agent
DECIDING
Platform Agent · Codi
RESOLVING
Governance · Know Your Agent
Accountable by Design
Worth's agents are held to the same standard as human underwriters, and their decisions are traceable, overridable, and explainable. Every agent acts only inside the authority you configure. Because Continuous Decision Intelligence was built around a Know Your Agent (KYA) mindset, regulator's question becomes a full trace in minutes.
Guardrails: Decisions Your Team Can Override
Every agent operates within boundaries your team configures. Risk limits, escalation thresholds, and mandatory human review triggers are set upfront, not bolted on afterward. Agents don't act outside their mandate, and when a decision falls outside defined parameters, it goes to a human.
Observability: See Exactly What the Agent Saw
Every decision surfaces the inputs, signals, and rules that produced it. When a file routes to review or a monitoring alert fires, your team sees the reasoning behind it. That transparency isn't a report you request, it's built into every decision the system makes.
Full Audit Trail: Compliance-Ready by Default
Worth logs every action, every decision, and every data source consulted. It's all timestamped, attributable, and complete. Whether you're responding to a regulator or reviewing an underwriting call six months later, the record is there, with consistent, repeatable outcomes across your portfolio.
Trusted By Leading Enterprises and Partners
Upgrade Your Workflow
Ready to See Continuous Decision Intelligence in Action?
See how CDI performs against your portfolio's actual risk profile, with governance your compliance team can stand behind, built in from the start. Request a demo.
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