{"version":"2026-10-05","author":"Tarik Zahedi","publisher":"StratEdge Workflow Systems LLC","url":"https://www.stratedgeworkflow.com/research/specifications/guardroute-risk-routing","pdf":"https://www.stratedgeworkflow.com/research/specifications/guardroute-risk-routing/pdf","citation":"StratEdge Workflow Systems. \"Risk Routing Specification.\" Version 1.0, October 5, 2026. https://www.stratedgeworkflow.com/research/specifications/guardroute-risk-routing","csl":{"type":"techreport","title":"Risk Routing Specification","author":[{"literal":"StratEdge Workflow Systems"}],"publisher":"StratEdge Workflow Systems LLC","issued":{"date-parts":[[2026,10,5]]},"version":"1.0","URL":"https://www.stratedgeworkflow.com/research/specifications/guardroute-risk-routing","PDF":"https://www.stratedgeworkflow.com/research/specifications/guardroute-risk-routing/pdf","note":"Describes the GuardRoute.ai product model. Not an industry standard or a customer result."},"slug":"guardroute-risk-routing","title":"Risk Routing Specification","product":"GuardRoute.ai","productUrl":"https://guardroute.ai","summary":"How GuardRoute decides which control applies before a high-risk action, including an action requested by an AI agent, is allowed to execute.","sections":[{"heading":"Purpose","paragraphs":["GuardRoute controls what happens before it happens. It does not hold funds and it does not execute the action.","This specification is StratEdge's product model, version 2026-10-05. It is not a regulation and it does not replace fraud, compliance, or treasury judgment."]},{"heading":"Path","paragraphs":["Action request, then risk signals, then policy evaluation, then a decision, then human or automated control, then execution by the customer's own system, then an evidence record of the control decision.","When an AI agent attempts a sensitive action — moving money, changing a beneficiary, releasing information, or starting another high-risk workflow — the same path applies before execution."]},{"heading":"Outcomes","paragraphs":["The decision is one of ALLOW, ALLOW WITH LIMITS, REQUIRE APPROVAL, ESCALATE, HOLD, or BLOCK.","A public example is a $240,000 outbound wire to a new beneficiary, in an unusual geography, at elevated velocity. That illustration returns HOLD and names the reviewers and reason codes. The example is illustrative data."]},{"heading":"Boundary","paragraphs":["ProofAudit proves what happened. GuardRoute controls what happens before it happens. The document package, when the products are used together, is ProofAudit."]}]}