Frame / 03 · architecture contract
The intelligence fabric
Reliability comes from the architecture, not the model. Each layer has a job, a boundary and a visible owner.
SYSTEMS OF RECORD
LOS · CBS · LMS · CRM
↑
INTELLIGENCE FABRIC
Identity · Evidence · Knowledge · Policy · Reasoning · Risk · Research
↑
AGENT WORKFORCE
Credit · Project · Policy · Risk · Fraud · Adversarial
↑
HUMAN AUTHORITY
Officer · committee · accountable decision-of-record
Decision-of-record↔flows back to the system of record
Vocabulary discipline
An LLMinterprets
A toolacts
A policy enginedecides the rules — deterministic, not an LLM
An agentpursues an objective across steps
A workflowcontrols the sequence
An evidence engineproves provenance
A humanholds accountability
Accountability stays human
AI can surface evidence, recommend a path and expose a conflict. It cannot silently move a limit or turn a recommendation into a sanction.
Governance is part of the UI
The architecture stays legible under pressure: source systems record what happened; the fabric explains what is happening and what to investigate; the human decides.