Fair AI

Fair AI is an approach to building artificial intelligence so that its outputs do not unjustly favour or disadvantage people because of traits such as race, sex, age or religion. AI models learn from historical data, and if that data reflects past discrimination, an algorithm can repeat it at scale. Fairness work therefore includes checking training data, testing results across groups, explaining how decisions are reached and allowing people to challenge them. In finance the concern is practical: a model that sets a credit score or approves loans must still comply with anti-discrimination rules such as the Equal Credit Opportunity Act in the United States. In crypto marketing, the phrase is also used by projects promoting open or community-governed models, such as decentralized AI, though openness alone does not guarantee fair outcomes.