Glossary · Lokta concept vocabulary
Deterministic core
A deterministic core is the layer of a lending platform whose outputs are fully reproducible from inputs and policy: no probabilistic models, no LLM calls, no hidden randomness.
Interest calculations, repayment allocation, NPA classification, and the audit log all live here. A deterministic core gives the lender a system of record that auditors and regulators can interrogate. AI layers (workflow assistants, agents) sit above it and call into it; they never replace it. The architectural rule: the deterministic core is the truth, the AI layer is the help. Read as the sequence a single action runs through: AI proposes, the core decides, the record proves it.