> ## Documentation Index
> Fetch the complete documentation index at: https://docs.amlok.io/llms.txt
> Use this file to discover all available pages before exploring further.

# AMLOK Insights

> Underwriting priced per completed analysis, with a tier matched to your data and workflow.

AMLOK Insights supports the full underwriting workflow: organizing evidence, reconciling data, analyzing financial and risk information, and producing the agreed underwriting outputs.

## Rates per underwriting

| Tier | Rate | Typical workload |
| - | -: | - |
| Standard | CAD 5.00 | A routine application with a limited ownership structure, consistent evidence, and standard analysis. |
| Advanced | CAD 15.00 | More entities or evidence, variable income, deeper financial reconciliation, or expanded analysis. |
| Complex | CAD 35.00 | Extensive related-party structures, investigation-heavy evidence, or substantial reconciliation and reporting. |

> [!NOTE]
>
> **Rates are in CAD, before negotiated discounts.** Custom quotes use Standard, Advanced, or Complex with a negotiated rate and explicit workload limits. Your order form confirms the rates and workload limits that apply.

All eligible products draw from one workspace credit balance. Reporting identifies the product, assigned tier, and effective rate for each deduction.

## What an underwriting covers

The agreed workflow can include:

* Organizing and interpreting the application evidence supplied to AMLOK.
* Reconciling banking, payments, commerce, accounting, and other eligible data.
* Analyzing income, cash flow, liabilities, ownership, and relevant risk indicators.
* Evaluating exceptions and evidence consistency within the selected tier.
* Producing structured findings and the agreed underwriting summary or credit memo.

The exact scope depends on your lending product, available evidence, and contracted workflow. Third-party data access, verification, and document-provider fees are separate from the AMLOK processing rate.

## Billable event

The billing unit is **one completed underwriting for one application and an agreed evidence snapshot**. Completion means the contracted output has been completed and published together with its single usage deduction, regardless of whether the application is approved or declined. A run waiting for available credits has not published its final output or consumed its charge.

| Activity | Billing treatment |
| - | - |
| Complete a new underwriting | One debit at the agreed tier rate. |
| Read or download an existing result | No new underwriting debit. |
| Retry the same run because of an AMLOK processing failure | No additional underwriting debit. |
| Cancel or fail before producing the contracted output | No completed-underwriting debit. |
| Customer separately requests a new full underwriting for a new application or assessment scope | A separate Insights underwriting at the agreed rate. |
| Signal detects a change and reassesses existing evidence with new information | Included in Signal; no additional Insights debit. |

Your agreement confirms the required output and completion criteria. A run that does not produce that output has no completed-underwriting debit.

## Agree the tier before processing

Tier selection reflects the amount and complexity of work. A declined decision, a lower credit score, or a higher loan amount does not by itself determine the processing tier.

Banking analysis includes at least 12 months of statements and transactions within the total record allowance. Standard permits up to 75,000 records for the whole underwriting, not for each month of history. The assigned tier must cover every workload dimension.

Agree the evidence limits and output scope before the workflow runs. If a file needs work outside that scope, agree the expanded scope and price before proceeding. See [complexity tiers](https://docs.amlok.io/pricing/complexity-tiers.md).

## Example

At the base rates, **80 Standard** and **20 Advanced** underwritings use:

`(80 × CAD 5.00) + (20 × CAD 15.00) = CAD 700.00`

That amount is deducted from the same wallet used for [AMLOK Signal](https://docs.amlok.io/pricing/signal.md).


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