Donovan Ratefison

Zotra turns a bank's credit policy PDF into a tested, live loan approval app, in minutes instead of weeks. Today, every new loan product needs an approval circuit built by hand: a specification, an IT build, tests in a spreadsheet, and an audit trail made after the fact. It takes weeks, and each policy change starts again. With Zotra, Muse Spark 1.3 drafts the steps, roles, data access and rules from the policy, and each rule cites its paragraph. The AI writes the test cases until every path is green, and explains a failed check. SAM 3.1 checks the signatures on the scans. Each role gets a branded app, with a hash-chained audit log and live supervision. In the demo, policy PDF to live app takes 4 minutes 7 seconds of real time, with live Meta model calls. The AI drafts and tests. Humans decide.