v0.3.0 - pilot-ready causal explainability engine

v0.3.0

Initial public release of causal-credit-risk-engine.

This release provides a production-shaped, source-available reference implementation for causal explainability, counterfactual reasoning, model-risk review, and audit trace generation.

What is included

• Config-driven causal DAG for credit-risk explainability
• Versioned model and policy configuration
• Exact discrete inference
• Counterfactual decision traces
• Structured JSON audit records
• Deterministic replay from saved audit artifacts
• Tamper-evident audit hash-chain support
• Fairness diagnostics for subgroup review
• CSV batch decision mode
• FastAPI service surface
• OpenAPI export
• CLI demo workflow
• Evidence pack export
• Local enterprise seams for auth, tenancy, audit storage, model registry, and policy registry
• Governance documentation for pilot evaluation, procurement review, security posture, and integration boundaries

Validation

• 47 tests passing
• Default example risk output preserved: 0.849375
• Replay verification passes
• Audit chain verification passes
• End-to-end demo workflow passes

Important limitation

This is not a production credit scoring model, not a lending approval system, and not proof of EU AI Act compliance.

It is a reference implementation for causal explainability architecture and governance workflows.

License

Source-available under BUSL-1.1.

Commercial production use requires written permission.

Related technical brief

Zenodo DOI: https://doi.org/10.5281/zenodo.19779499