How usertrust governs every LLM call — the banking patterns, cryptographic proofs, and policy engine under the hood.

usertrust combines financial accounting patterns with cryptographic verification to make every AI agent call auditable and budget-safe. These pages explain the core mechanisms.

Two-Phase Spend

Banking-style authorization holds for atomic budget enforcement

Audit Trail

SHA-256 hash-chained, append-only log for every governed call

Merkle Proofs

RFC 6962 inclusion and consistency proofs for public verifiability

Policy Engine

12 field operators, scope globs, and time windows for rule-based governance

Pattern Memory

Cost-optimal model selection via SHA-256 prompt hash routing

Circuit Breaker

Per-provider failure isolation with automatic recovery