How HALMAI Works

The AI Governance Kernel for autonomous AI agents. Every action is authorized, denied, or locked down before it reaches the real world.

Core Architecture

1

Agent Proposes Action

Your AI agent generates a proposed action — initiate a payment, move funds, approve a disbursement, execute a transfer. The proposal is captured with full context: agent ID, action type, parameters, metadata.

2

HALMAI Evaluates Policy

The proposal passes through the authorize() gate. Pure function evaluation against versioned policy rules. No side effects during evaluation.

3

Decision: ALLOW / DENY / HELD_FOR_VETO

The policy engine returns a deterministic decision:

ALLOW

Proceed to execution

DENY

Blocked with reason

HELD_FOR_VETO

Human review required

4

Secure Execution

If ALLOW, the action executes through the execute() gate. Exactly-once guarantees. Idempotency keys prevent duplicate execution. All side effects logged to hash-chained ledger.

Governance Score

A single metric (0–100) computed daily that reflects your runtime transaction governance posture. Used for internal tracking, certification programs, and insurer evidence.

How It's Calculated

Denial Rate

Percentage of proposals denied. Higher denial rates in high-risk action types improve score; excessive denials in low-risk areas may indicate over-restriction.

Replay Consistency

Percentage of decisions that produce PASS when re-evaluated under historical policy snapshots. High consistency indicates deterministic policy enforcement.

Anomaly Events

Count of critical incidents: lockdowns, hash chain failures, budget breaches, PII leaks blocked. Fewer anomalies improve score.

Policy Coverage

Percentage of action types covered by explicit policy rules. Higher coverage indicates comprehensive governance.

The score is not a compliance certification. It's an operational metric for internal tracking and continuous improvement.

Key Features

Policy Time Machine

Every rule change creates a versioned snapshot. Replay any historical decision under the policy state that was active at the time. Essential for audits and dispute resolution.

Automatic Lockdown

Critical anomaly detection triggers immediate execution halt. 3 critical events in 5 minutes = tenant-wide lockdown. Manual unlock required.

Live Enforcement Stream

Server-Sent Events (SSE) stream of all authorization decisions. Connect to dashboards, SIEM systems, or custom monitoring.

Replay Verification

Re-evaluate any past decision and compare results. Produces PASS (same result), FAIL (different result), or UNKNOWN (missing policy version).

Budget Circuit Breaker

Configurable spend and token caps per agent, action type, or time window. Prevents runaway payments and unauthorized spend from autonomous agents.

Hash-Chained Ledger

Every decision and execution linked by SHA-256 hash. Any tampering breaks the chain and triggers integrity alerts.

Ready to See Runtime Enforcement for Agentic Payments?

Run a risk audit or request access to explore the enforcement architecture for your transaction environment.