Know when your AI
shouldn't answer.
Gate answers before generation. Ground every claim after. A calibrated probability — not a vibe.
Meridian BankLoan Assistant×
Richa
What's the interest rate on my loan?Your loan carries a fixed annual rate of 7.5%, per Clause 2.1.
✓ gated · grounded · delivered
GROUND · PER-CLAIM RECEIPTS
✓"fixed annual rate of 7.5%" — supported by Clause 2.1
✓"per Clause 2.1" — attribution verified
~"your loan" — account linkage assumed, not in context
Richa
Okay — and what do I pay monthly?Your instalment is due on the 15th of each month, per Clause 3.2. The exact amount isn't stated in your documents, so I won't quote a figure.
◐ gate passed · ground revised the draft
GROUND · PER-CLAIM RECEIPTS
✓"due on the 15th of each month" — supported by Clause 3.2
⊗draft claimed "instalment is $2,150" — no supporting clause · removed
Richa
What penalty applies if I close it after year five?The clauses I can see cover early closure up to year three — connecting you with a specialist rather than guessing.
⚠ gate held the answer · routed to human
GATE · DECISION RECEIPTS
⊗post-year-five closure terms — not found in the retrieved clauses
→routed to a specialist with the retrieval summary attached
Priya · Loan specialist
Hi Richa — I can help with post-year-five closure.Message…↵
QUERYRETRIEVE
GATEGENERATE
GROUNDDELIVER
RETRIEVED CONTEXT
CLAUSE 2.1Interest accrues at a fixed annual rate of 7.5% on outstanding principal.
CLAUSE 4.2Prepayment within the first three years carries a 2% charge.
CLAUSE 3.2Instalments are due on the fifteenth day of each calendar month.
CLAUSE 2.1Interest accrues at a fixed annual rate of 7.5%.
NO MATCHRetrieval covers early closure only through year three — nothing on post-year-five terms.
GATE
answer absentanswer present
GROUND · claims supported
unsupportedall supported
VERDICT
✓ ALL CLAIMS SUPPORTED
✓"fixed annual rate of 7.5%" — Clause 2.1
✓"per Clause 2.1" — attribution verified
◐ 1 OF 2 CLAIMS UNSUPPORTED — REVISING
✓"due on the 15th" — Clause 3.2
⊗draft said "your instalment is $2,150" — no supporting clause. Claim removed, response revised.
⊗ NOT REACHED — BLOCKED AT GATE
·No response generated; nothing to ground.
→Routed to human with retrieval summary.
DELIVERED · GATED + GROUNDED [1.2 s]
REVISED · UNSUPPORTED CLAIM REMOVED [1.6 s]
ROUTED TO HUMAN AGENT [0.9 s]
Two products, one pipeline
Verify before. Verify after.
Every turn, both checks
Gate and ground each response an agent makes.
Each turn: gate the question against fresh evidence, generate, ground every claim — then deliver, or hand off gracefully.
CASE 1 · NO SUPPORTING CONTEXT — the gate holds it, retrieval retries
CASE 2 · HALLUCINATED CLAIM — grounding catches it, human reviews
CASE 3 · FULLY SUPPORTED — delivered
Where it earns its place
Built for consequences.
Banking & loans
“What’s my rate?”p(answerable) 0.14 · held
Catches "what's my rate" when the rate isn't in the retrieved doc.
Insurance
“flood coverage limit?”not in policy · held
Catches coverage-limit questions the policy never states.
Compliance copilots
“retention period?”not in SOP · escalated
Catches retention questions the SOP doesn't cover.
Support deflection
“refund status?”KB silent · routed
Escalates what the KB can't answer instead of guessing.
Contract review
“clause 9.2 terms?”clause absent · flagged
Flags clauses that aren't actually in the contract.
Multi-agent pipelines
agent handoffclaims verified ✓
Verifies hand-offs before the next agent acts on them.