{ "$comment": "Silver Lake Financial Group — agent capability manifest (the 'Signal' surface: how a business gets found by, and safely transacts with, AI agents). Illustrative company; the governed crossing is real.", "schema_version": "0.1", "name": "Silver Lake Financial Group — LoanIQ", "description": "A governed agent interface to a 40-year IBM i lending decision engine. Every request — human or agent — crosses one governed border: identity, scope, decision, audit.", "provider": { "name": "Silver Lake Financial Group", "url": "https://www.silverlakefinancialgroup.com/" }, "governed_on": { "pattern": "Pegasus4i governed agent-crossing pattern", "url": "https://pegasus4i.ai" }, "identity": { "$comment": "KYA — Know Your Agent. KYC asks who the customer is; KYA asks what the agent may bind you to. Autonomy without identity is ungovernable.", "required": true, "scheme": "KYA", "envelope": [ "agent_credential", "scope", "correlation_id" ], "policy": "An agent must present a verifiable, signed agent credential. Unverified agents are refused at the door — the request never reaches the system of record.", "verifier": "pluggable — build readiness now, commit to a KYA provider (Visa Verified Agent ID / AP2 / Skyfire / ERC-8004) once the standard settles" }, "actions": [ { "name": "resolve_participant", "title": "Resolve participant", "description": "Establish the participant the agent is acting for. Read-only; establishes WHO before anything decides.", "scope": "prequal" }, { "name": "prequal_check", "title": "Prequalification crossing", "description": "The governed prequalification decision — returns APPROVED / DECLINED / REFER, not a lookup, and writes it append-only with the correlation id. Deterministic rule on IBM i (utilization, tenure, delinquency vs limit).", "scope": "prequal", "governed_door": "SP_ELIGCHK", "binds_anyone": false } ], "audit": { "ledger": "append-only", "correlation_id": "one id threads the request end to end", "reversibility": "compensate with a new appended entry — never erase", "gate": "override is structurally refused (SQLSTATE 75001 / 75002)" }, "system_of_record": "IBM i · Db2 for i", "boundaries": { "$comment": "Exposure principle: expose only what was assessed, within what governance allows, to agents whose identity was vouched for. Access is not training; no data fork.", "no_sql_or_tables": "agents call a named, scoped procedure — never a table, never raw SQL", "least_privilege": "enforced by the OS at the profile and object level, not promised by the application" }, "open_edge": { "$comment": "Honest: the one unsolved question industry-wide.", "q4_delegation": "No deployed protocol proves which human authorized which agent at the 3rd/4th delegation hop. Here the delegation chain is designed and recorded — contained, not claimed solved." }, "note": "Silver Lake Financial Group is a FICTITIOUS demonstration company — not a real lender, offering no products and accepting no applications. The governed crossing shown is real; any resemblance to an actual company is coincidental.", "planned_actions": { "$comment": "Home lending — designed and illustrated at /home-loans, NOT live. Listed so agents and reviewers can see the intended scope boundaries. None of these actions can be invoked today.", "status": "illustrative", "url": "https://www.silverlakefinancialgroup.com/home-loans", "agents": [ { "id": "agent://silverlake/intake", "scope": "mortgage.intake", "may": [ "read borrower-uploaded documents", "file extracted data via scoped procedure", "request missing items" ], "may_not": [ "waive a requirement", "edit filed data" ] }, { "id": "agent://silverlake/verify", "scope": "mortgage.verify", "may": [ "request employment, deposit and tax verifications with borrower authorization", "follow up within retry budget" ], "may_not": [ "accept an unverified source", "exceed retry budget (escalates to file steward)" ] }, { "id": "agent://silverlake/coordinate", "scope": "mortgage.coordinate", "may": [ "order appraisal, title, insurance binder, HOA documents", "update borrower status view" ], "may_not": [ "commit fees outside policy" ] }, { "id": "agent://silverlake/conditions", "scope": "mortgage.conditions", "may": [ "package file for underwriting", "translate conditions to plain language", "draft explanation letters for borrower signature" ], "may_not": [ "clear a condition", "make or change a credit decision" ] }, { "id": "agent://silverlake/closing", "scope": "mortgage.closing", "may": [ "reconcile fees across parties", "draft disclosures from LoanIQ figures", "quarantine suspicious payment instructions" ], "may_not": [ "release or redirect funds", "acknowledge on the borrower's behalf" ] } ], "human_gates": [ { "gate": "rate_lock", "owner": "borrower with loan officer" }, { "gate": "credit_decision", "owner": "named underwriter", "recorded_on": "IBM i system of record" }, { "gate": "closing_disclosure_acknowledgment", "owner": "borrower" }, { "gate": "release_of_funds", "owner": "funding desk", "control": "verified phone callback to number on file" } ] }, "commerce": { "$comment": "Marketplace agent checkout at the partner store. Runs live in test mode: nothing is really sold or lent and no real money moves. The walkthrough at /marketplace is illustrated; the store itself is live.", "status": "live_test_mode", "store_url": "https://shop.silverlakefinancialgroup.com", "about_url": "https://www.silverlakefinancialgroup.com/marketplace", "merchant": "Alder & Pine Home (fictitious partner merchant)", "protocols": [ "UCP", "ACP", "MCP" ], "planned_protocols": [ "Muse connector" ], "admission": { "credential": "a key per agent, issued by the shopper on the store's own consent page", "levels": [ "blocked", "browse", "transact" ], "without_key": "browse at most; never buys", "carries": [ "spending_limit", "end_date" ], "enforcement": "the store enforces the limit across every cart; splitting a purchase does not get around it", "planned": "signed agent credentials (Know Your Agent verification)" }, "actions": [ { "name": "search_products", "scope": "browse" }, { "name": "get_my_limits", "scope": "transact" }, { "name": "create_cart", "scope": "transact", "limit": "the shopper's spending limit" }, { "name": "request_approval", "scope": "transact", "effect": "hands the cart to the shopper; nothing is charged" }, { "name": "get_order_status", "scope": "transact", "returns": "paid (with order number), sent back (with reason) or expired" } ], "payment": "the agent never pays; the shopper reviews the cart on their own device and chooses how to pay", "financing": { "decided_by": "LoanIQ SP_ELIGCHK on IBM i", "crosses": "participant id and amount only; no SSN, no date of birth", "refer": "credit desk (a person)", "shown_to": "the shopper only; the agent never sees or accepts financing terms", "accept_terms": "shopper_only" }, "record": "append-only acceptance record, each entry hash-chained to the one before" } }