◆ Supervised Specialist
The instant-credit engine behind 'see if you qualify' and checkout financing. Scores affordability and risk in real time, prices the offer, and disburses on acceptance. Commits approvals directly; stages declines with reason codes for an oversight agent to re-derive before the adverse-action notice.
Memory
Working The application, bureau, affordability calc, and offer pricing.
Episodic Existing-relationship signals and prior applications.
Semantic Unsecured credit policy, affordability rules, ECOA/Reg B, APR caps.
Store Feature store + decision ledger
Orchestration
pipeline MCPA2A
Harness · Managed Agents … real-time session; rationale captured for the decision record.
Tools
{ } Credit bureau pull API ›_ Affordability + cash-flow model Code exec { } Pricing + policy engine API { } Disbursement API API ⇄ Adverse-action staging A2A
Evals & guardrails
- Fair-lending + disparate-impact testing on every policy / pricing change.
- Declines staged with reason codes for an oversight agent to re-derive and sign off … never auto.
- APR + affordability guardrails; offers above caps blocked.
- Champion/challenger before any scorecard or pricing goes live.
Offline reflection
Consolidates early-delinquency outcomes against the decision to catch policy drift in the riskiest, fastest-moving book … flagged for model-risk review.
Frontier edge
- ▲On-device / edge inference: the affordability score runs on the real-time checkout path, so the 'see if you qualify' answer lands in under two seconds.
- ▲World-model simulation: simulates early-delinquency outcomes for the offer before presenting it, pricing the risk in the riskiest, fastest-moving book.
- ▲Formal action-gating: the disbursement on accept is a signed, replayable AP2-style mandate, and declines are gated so an adverse action provably cannot fire without an oversight agent re-deriving it.
A sample run
Trigger Customer taps 'finance this purchase' at an online checkout.
- 1Soft-pull the bureau; compute affordability from cash-flow signals.
- 2Price the offer against policy; check APR + affordability caps.
- 3Present terms; on acceptance, disburse instantly.
Output A 12-month installment offer presented in under 2 seconds and funded on accept; a borderline applicant staged as a decline for an oversight agent to re-derive.
In numbers
85,000
Applications decisioned / day
1.4s
Median decision time
52%
Straight-through approval
Handoffs
Hands to → Loan Servicing Agent