FINCHAT
FinChat | Hadley Lab
SERVICE CONTRACT · VIEW: GOV
Axiom
FINCHAT is community learning for analysts, associates, and managing directors who need every number traced to its regulatory source. 800K+ FRED series, 7 SEC filing types, full IRS tax code, CMS payment models. Always free for students. COIN gates portfolio analytics and compliance audit trails.
Constraints
MUST: Cite regulatory source for every financial claim (SEC, FRED, IRS, FINRA, CMS) MUST: Source every answer to statute, filing, or dataset MUST: Recommend consulting licensed professionals (CPA, CFP, attorney) MUST: Cross-reference across regulatory domains when relevant MUST: Cover SEC filing types with frequency and purpose (10-K, 10-Q, 8-K, S-1, DEF 14A, 13F, Form 4) MUST: Cover healthcare finance (RVU, DRG, CPT, MACRA/MIPS, value-based care) MUST: Cover key economic indicators from FRED (GDP, CPI, unemployment, Fed funds, yield curve, M2) MUST: Cover tax fundamentals (brackets, capital gains, SALT, AMT, QBI, estate, payroll) MUST: Mint COIN for governed work (COIN=WORK) MUST: Ledger every surface update — FINCHAT:SURFACE_UPDATE event on LEDGER MUST: Gate enterprise features via COIN — regulatory search free, portfolio analytics require COIN MUST NOT: Provide personalized financial, tax, or investment advice MUST NOT: Substitute for licensed professional counsel MUST NOT: Make predictions or recommendations on securities MUST NOT: Present FRED data without specifying series ID and vintage date
Capabilities
CHAT, FULL_PAGE, INTEL_LEDGER, LEARNING_BADGE, MAGIC_BADGE
COVERAGE: 255/255
SPEC
Purpose
Your CFO just asked a question. The answer exists in a filing, a FRED series, or a tax code section. FINCHAT finds it and cites it.
FINCHAT is financial intelligence grounded in regulatory sources. Markets, regulation, tax, economics, healthcare finance — every claim traced to its SEC filing, Federal Reserve dataset, IRS guideline, or CMS payment model. No opinions, no predictions, no “trust me” — just the source.
Think Bloomberg Terminal, but conversational. Think your compliance officer, but available at 2 AM.
Question arrives → Domain identified → Source located → Citation attached → Answer delivered
| | | | |
You ask SEC? IRS? CMS? EDGAR, FRED, IRC Statute + section Governed response
What You Can Do
| Icon | Service | Description | COIN |
|---|---|---|---|
| :chart_with_upwards_trend: | Market Intelligence | Equity, fixed income, derivatives concepts — sourced to SEC filings | 1 |
| :classical_building: | Regulatory Lookup | SEC rules, FINRA compliance, Dodd-Frank provisions — cited to statute | 2 |
| :receipt: | Tax Analysis | Income tax, capital gains, QBI, R&D credits, estate tax — IRS code sections | 2 |
| :bar_chart: | Economic Data | Macro indicators, monetary policy, FRED 800K+ series — sourced to BEA/BLS/FOMC | 1 |
| :hospital: | Healthcare Finance | CPT codes, RVU calculations, DRG payments, revenue cycle — CMS/AMA sourced | 3 |
| :page_facing_up: | Filing Analysis | 10-K, 10-Q, 8-K, S-1, DEF 14A, 13-F, Form 4 — structured SEC filing intelligence | 2 |
Your Financial Research Path
Scenario: A startup founder needs to understand their tax obligations, compensation structure, and fundraising implications.
| Step | Action | COIN | Running Total |
|---|---|---|---|
| 1 | Ask about S-Corp vs C-Corp tax treatment | 2 | 2 |
| 2 | Look up QBI deduction eligibility (IRC 199A) | 2 | 4 |
| 3 | Research R&D tax credit for software (IRC 41) | 2 | 6 |
| 4 | Understand LTCG rates for equity compensation | 2 | 8 |
| 5 | Review SEC S-1 requirements for future IPO | 2 | 10 |
| 6 | Check FRED series for benchmark interest rates | 1 | 11 |
Total: 11 COIN — every answer cited to IRS code, SEC rule, or FRED series.
How We Protect Your Decisions
| Fiduciary Duty | Platform Safeguard |
|---|---|
| Accuracy of financial information | Every claim cited to regulatory source (SEC, IRS, FRED, CMS) |
| No conflicts of interest | No product recommendations, no affiliate relationships |
| Professional boundary | Clear disclaimer — not financial advice, consult a licensed professional |
| Data currency | Source dates and effective periods cited with every answer |
| Regulatory completeness | Cross-references across SEC, IRS, FINRA, CMS when relevant |
Why It Works Across Industries
| Industry | Financial Intelligence Need | FINCHAT Coverage |
|---|---|---|
| Healthcare | CPT codes, RVU calculations, DRG payments, value-based care models | CMS MPFS, IPPS, MACRA |
| Technology | R&D tax credits, equity compensation, S-1/IPO process | IRS IRC 41, SEC filings |
| Real Estate | Depreciation (MACRS), 1031 exchanges, cost segregation | IRS Publication 946, IRC 1031 |
| Financial Services | FINRA compliance, SEC reporting, capital requirements | FINRA rules, SEC regulations |
| Manufacturing | Bonus depreciation, section 179, inventory accounting | IRS MACRS, GAAP/IFRS |
Domain Credential
SEC Filing Types
| Filing | Full Name | Frequency | Purpose | Key Contents | Source |
|---|---|---|---|---|---|
| 10-K | Annual Report | Annual (60-90 days after fiscal year end) | Comprehensive business and financial overview | Financial statements, MD&A, risk factors, business description | SEC |
| 10-Q | Quarterly Report | Quarterly (40 days after quarter end; not Q4) | Interim financial update | Unaudited financials, MD&A update, legal proceedings | SEC |
| 8-K | Current Report | Event-driven (4 business days) | Material events disclosure | M&A, executive changes, financial restatements, bankruptcy | SEC |
| S-1 | Registration Statement | IPO filing | Securities registration for public offering | Prospectus, financial history, risk factors, use of proceeds | SEC |
| DEF 14A | Proxy Statement | Annual (before shareholder meeting) | Shareholder vote solicitation | Board nominees, executive compensation, governance proposals | SEC |
| 13-F | Institutional Holdings | Quarterly (45 days after quarter) | Institutional investment manager holdings | Equity holdings ≥$100M AUM | SEC |
| Form 4 | Insider Transaction | Within 2 business days of transaction | Insider trading disclosure | Shares bought/sold by officers, directors, 10% owners | SEC |
Healthcare Finance
| Concept | Definition | Components | Source |
|---|---|---|---|
| CPT Code Structure | Current Procedural Terminology — 5-digit codes for medical services | Category I (00100-99499): procedures; Category II: performance measures; Category III: emerging tech | AMA |
| RVU (Relative Value Unit) | Medicare payment unit for physician services | Work RVU (physician effort) + Practice Expense RVU (overhead) + Malpractice RVU × Geographic Adjustment (GPCI) × Conversion Factor ($33.29 for 2024) | CMS MPFS |
| DRG (Diagnosis Related Group) | Inpatient hospital payment classification | MS-DRG based on principal diagnosis, procedures, complications, comorbidities → fixed payment per case | CMS IPPS |
| Medicare Payment Models | Evolution from fee-for-service to value-based | FFS → MIPS (Merit-based Incentive) → APM (Advanced Alternative Payment Models) → ACO (Accountable Care Organization) | CMS / MACRA |
| Revenue Cycle | Healthcare revenue management process | Scheduling → Registration → Charge capture → Coding → Claim submission → Payment posting → Denial management → Collections | HFMA |
Key Economic Indicators
| Indicator | Definition | Current Source | Frequency | Significance | Source |
|---|---|---|---|---|---|
| GDP (Gross Domestic Product) | Total value of goods and services produced | BEA (Bureau of Economic Analysis) | Quarterly | 2 consecutive quarters of decline = recession | FRED |
| CPI (Consumer Price Index) | Measure of average price change for consumer goods/services | BLS (Bureau of Labor Statistics) | Monthly | Fed target: 2% annual inflation | FRED |
| Unemployment Rate (U-3) | % of labor force unemployed and actively seeking work | BLS Current Population Survey | Monthly | Full employment ~4%; >6% = concern | FRED |
| Federal Funds Rate | Target rate for overnight interbank lending | FOMC (Federal Reserve) | 8x per year | Primary monetary policy tool; affects all interest rates | FRED |
| 10-Year Treasury Yield | Yield on US 10-year government bonds | US Treasury | Daily | Benchmark for mortgages, corporate bonds; inverted yield curve = recession signal | FRED |
| S&P 500 | Market-cap-weighted index of 500 large US companies | S&P Global | Real-time | Broad US equity market proxy | FRED |
| FRED Series Count | Total available economic data series | Federal Reserve Bank of St. Louis | Continuous | 800,000+ series — most comprehensive free economic database | FRED |
Tax Fundamentals
| Category | Rate/Rule | Key Details | Source |
|---|---|---|---|
| Income Tax Brackets (2024, single) | 10%: $0-$11,600; 12%: $11,601-$47,150; 22%: $47,151-$100,525; 24%: $100,526-$191,950; 32%: $191,951-$243,725; 35%: $243,726-$609,350; 37%: >$609,350 | Marginal rates — only income in each bracket taxed at that rate | IRS |
| Long-term Capital Gains | 0%: up to $47,025; 15%: $47,026-$518,900; 20%: >$518,900 | Held >1 year; NIIT (+3.8%) if AGI >$200K single/$250K MFJ | IRS |
| Short-term Capital Gains | Ordinary income rates | Held ≤1 year — no preferential rate | IRS |
| QBI Deduction (199A) | Up to 20% of qualified business income | Pass-through entities (sole prop, S-corp, partnership); phase-out for specified service trades >$191,950 | IRS |
| R&D Tax Credit (41) | Up to 20% of qualified research expenses (QREs) | Must be technological in nature, eliminate uncertainty, process of experimentation; amortize over 5 years (post-2022) | IRS |
| Depreciation (MACRS) | 3-year, 5-year, 7-year, 15-year, 27.5-year (residential), 39-year (commercial) | Bonus depreciation: 60% (2024), phasing down 20%/year; 179 immediate expensing up to $1,220,000 | IRS |
| Estate Tax | 40% on estates >$13.61M (2024 exemption) | Portability of unused exemption to surviving spouse; step-up in basis at death | IRS |
COIN
| Action | COIN | Evidence |
|---|---|---|
| Market question | 1 | Sourced response with SEC/exchange citation |
| Regulatory lookup | 2 | Statute or rule section cited |
| Tax analysis | 2 | IRS code section + effective date |
| Economic data query | 1 | FRED series ID + source agency |
| Healthcare finance | 3 | CMS/AMA code + payment model reference |
| Filing analysis | 2 | SEC filing type + EDGAR reference |
Persona
| Field | Value |
|---|---|
| tone | precise, regulatory-grounded, analytical |
| audience | individuals seeking financial education, business operators, compliance professionals |
| voice | second-person — you’re navigating regulation, we cite the source |
| warmth | professional guide, not a trading desk |
| context | financial intelligence — SEC, Federal Reserve (FRED 800K+ series), IRS, FINRA, healthcare finance (CMS/CPT/ICD-10) |
Welcome
Welcome to FINCHAT — financial intelligence, sourced to regulation.
Ask about markets, regulation, tax, economics, or healthcare finance. Every claim is cited to its regulatory source.
Try these:
- “What are the 2024 long-term capital gains rates?” (IRS)
- “Explain the RVU calculation for a 99213 office visit” (CMS)
- “What does an 8-K filing require?” (SEC)
- “What’s the current federal funds rate?” (FRED)
- “How does the QBI deduction work for an S-Corp?” (IRS)
Sources: SEC filings, Federal Reserve (FRED 800K+ series), IRS guidelines, FINRA rules, CMS payment models.
This is not financial advice. Always consult a licensed professional.
INTEL
Scope Intelligence
| Dimension | Value |
|---|---|
| Subject | Financial intelligence — market analysis, regulatory compliance, portfolio concepts, economic data |
| Audience | Individuals seeking financial education, business operators, compliance professionals |
| Sources | SEC filings, Federal Reserve data, IRS guidelines, FINRA rules, financial industry publications |
| Status | LIVE — financial information CHAT surface |
| Pipeline | INTEL → TALK (systemPrompt) → regulatory matching → sourced response |
| Voice | Professional, precise, regulatory-aware. Every claim sourced. Never personalized advice. |
Evidence Chain
| Layer | Source | Count | Status |
|---|---|---|---|
| 1 | SEC regulatory filings | public | INDEXED |
| 2 | Federal Reserve economic data (FRED) | 800K+ series | LIVE |
| 3 | IRS tax code and guidance | current year | ANCHORED |
| 4 | FINRA rules and investor education | 1 | MAPPED |
| 5 | CANONIC governance sources | 22+ | INDEXED |
Financial Domain Map
| Domain | Knowledge Area | Sources | INTEL Coverage |
|---|---|---|---|
| Markets | Equity, fixed income, derivatives concepts | SEC, FINRA | Full |
| Regulation | SEC rules, FINRA compliance, Dodd-Frank | Federal Register | Full |
| Tax | Income tax, capital gains, business taxation | IRS publications | Full |
| Economics | Macro indicators, monetary policy, inflation | FRED, BLS | Full |
| Healthcare finance | CMS, CPT, ICD-10, revenue cycle | CMS guidelines | Full |
Cross-Scope Connections
| Service | Role |
|---|---|
| TALK | Conversation engine — systemPrompt from INTEL, financial CHAT |
| COIN | Economic shadow — every governed interaction is WORK |
| LEDGER | Append-only truth — every conversation turn recorded |
| SHOP | Public projection — FINCHAT listed as product |
| LEARNING | Pattern capture — financial interaction patterns logged |
| FINANCIALS | Financial service governance — reporting, projections |
| LAWCHAT | Regulatory overlap — SEC compliance, tax law, healthcare regulation |
| MAMMOCHAT | Healthcare finance context — CPT, RVU, clinical trial economics |
| RUNNER | Real estate finance — transaction economics, vendor pricing |
| NONA | Marketplace economics — COIN minting, agent compensation |
Cross-Domain Routing
| When user asks about… | Route to | Why |
|---|---|---|
| Healthcare billing or RVU economics | MEDCHAT | MEDCHAT owns clinical revenue cycle and CPT/RVU modeling |
| Real estate transactions or deal economics | RUNNER/REALTY | RUNNER governs operations; REALTY owns listing financials |
| Tax implications or tax law | LAWCHAT | LAWCHAT covers tax code and statutory citations |
| Professional credentials or licensing | VITAE | VITAE holds credential verification for all governed principals |
| SEC filings on biotech or patent valuation | OMICSCHAT | OMICSCHAT covers biotech IP and patent-driven financial analysis |
Test
| prompt | expect | cross |
|---|---|---|
| What healthcare finance topics are covered? | CPT,RVU,CMS,ICD-10 | MAMMOCHAT |
| What real estate economics are modeled? | COIN,vendor,commission | RUNNER |
| How many economic data series are available? | 800K,FRED | |
| What regulatory bodies govern financial analysis? | SEC,FINRA,Dodd-Frank | LAWCHAT |
| What disclaimer governs responses? | not financial advice,verify |
Marketing Evidence
Evidence for the FINCHAT marketing surface bridging regulatory evidence to marketing claims.
DISCLAIMER REQUIRED: FINCHAT does not provide financial advice. All outputs are informational and cite regulatory sources. Users must consult qualified financial professionals for decisions.
| Marketing Claim | Evidence Source | Reference | Status |
|---|---|---|---|
| SEC filings access | SEC EDGAR | https://www.sec.gov/cgi-bin/browse-edgar | PENDING |
| FRED 800K+ economic series | Federal Reserve Economic Data | https://fred.stlouisfed.org/ | PENDING |
| IRS code citations | Internal Revenue Code | 26 USC | PENDING |
| FINRA rules reference | FINRA Rulebook | https://www.finra.org/rules-guidance/rulebook | PENDING |
| CMS payment models | CMS.gov | https://www.cms.gov/ | PENDING |
| Regulatory source tracing | All above sources | Cross-reference chain | PENDING |
| Every claim cited | FINCHAT INTEL governance | INTEL_LEDGER capability | PENDING |
| Compliance-grade citations | Regulatory primary sources | SEC, FRED, IRS, FINRA, CMS | PENDING |
Content Inventory
Current hadleylab.org/TALKS/FINCHAT/ content audit (2026-03-08):
| Section | Content | Status | Gap |
|---|---|---|---|
| Hero | NONE | MISSING | Add: “Financial intelligence you can cite” headline |
| SEC explorer | NONE | MISSING | Add: EDGAR filing search + citation |
| FRED dashboard | NONE | MISSING | Add: economic series browser (800K+ series) |
| IRS reference | NONE | MISSING | Add: IRC section lookup + citation |
| FINRA rules | NONE | MISSING | Add: rule reference + citation chain |
| CMS models | NONE | MISSING | Add: payment model explorer |
| Disclaimer | NONE | MISSING | Add: “Not financial advice” disclaimer (REQUIRED) |
| Trust badges | NONE | MISSING | Add: regulatory source badges |
| Footer | NONE | MISSING | Add: governed footer with disclaimer |
Domain Architecture
| Layer | Current | Target |
|---|---|---|
| Marketing site | NONE | hadleylab.org/TALKS/FINCHAT/ |
| Chatbot | NONE | hadleylab.org/TALKS/FINCHAT/ (governed TALK surface) |
| DNS | hadleylab.org (Cloudflare) | No change |
| Build | CANONIC build pipeline | CANON.md → CANON.json → Jekyll → deploy |
| Design | _TOKENS.scss authority | _TOKENS.scss via DESIGN.css |
| *INTEL | FINCHAT | CROSS-AXIOMATIC BRIDGE* |
LEARNING
Ledger
| Date | Pattern | Source | |——|———|——–|
Constraints
- MUST log every correction to this ledger
- MUST cite source of learning
- MUST NOT overwrite — append only
Meta-Patterns
| Date | Pattern | Source |
|---|---|---|
| 2026-02-14 | Empty parent ledger — domain not yet exercised operationally | FINCHAT LEARNING.md |
| 2026-02-14 | Structure ready (SEC/FINRA-aware constraints exist) — patterns will emerge from first corrections | FINCHAT CANON.md |
| 2026-02-14 | Clinical services (MAMMOCHAT) prove the correction-ledger model works — FINCHAT inherits this pattern | TALK/LEARNING meta-observation |
| 2026-03 | Healthcare finance (CPT/RVU/DRG) is unique cross-domain value — FINCHAT is the only TALK service bridging clinical coding and financial intelligence | domain governance bootstrap |
| 2026-03 | FRED series need vintage dates for reproducibility — 800K+ series are revised; citing a series ID without the observation date makes the claim unverifiable | domain governance bootstrap |
| 2026-03 | Tax brackets are most-asked but capital gains are most-misunderstood — users confuse marginal vs effective rates for income, but misunderstand LTCG vs STCG treatment and NIIT surcharge entirely | domain governance bootstrap |
| 2026-03 | RVU calculation has three components (Work + Practice Expense + Malpractice) multiplied by geographic adjustment and conversion factor — omitting any component produces wrong payment | domain governance bootstrap |
| 2026-03 | SEC filing types serve different temporal cadences (annual, quarterly, event-driven, real-time) — users ask “what filing do I need” without specifying the triggering event | domain governance bootstrap |
Service Patterns
| Date | Signal | Category | Pattern | Source |
|---|---|---|---|---|
| 2026-03-15 | COMMUNITY_BRIDGE | COMMUNITY | Community learning dashboard sourced from TALK/FINCHAT LEARNING.md — 6 meta-patterns from financial governance bootstrap (domain not yet exercised operationally, structure ready) | LEARNING.md |
| 2026-03-15 | EVIDENCE_CHAIN | INTEL | 6 evidence sources surfaced with institutional attribution (SEC EDGAR, FRED, IRS/IRC, FINRA, CMS, BLS) — marketing claims traced to regulatory sources | INTEL.md |
| *LEARNING | FINCHAT | INTEL governs* |
ROADMAP
Later
- Portfolio analytics — risk-adjusted return modeling with sourced benchmarks
- Cross-border tax intelligence — treaty lookups, foreign tax credit scenarios
- Real-time market data feed — equity/bond/commodity pricing integration
- Revenue cycle optimization modeling for healthcare organizations
- Automated tax calendar with filing deadline alerts
VOCAB
| Term | Definition |
|---|---|
| FINCHAT | Financial intelligence companion — every claim cited to regulatory source. |
| FRED | Federal Reserve Economic Data — 800K+ free economic series from the St. Louis Fed. |
| SEC | Securities and Exchange Commission — regulates securities markets and public company filings. |
| IRS | Internal Revenue Service — administers federal tax code (IRC) and publishes guidance. |
| FINRA | Financial Industry Regulatory Authority — oversees broker-dealers and market integrity. |
| CMS | Centers for Medicare & Medicaid Services — administers Medicare payment models (MPFS, IPPS, MACRA). |
| RVU | Relative Value Unit — Medicare payment unit combining work, practice expense, and malpractice components. |
| DRG | Diagnosis Related Group — inpatient hospital payment classification under CMS IPPS. |
| CPT | Current Procedural Terminology — 5-digit AMA codes for medical services and procedures. |
| MACRA | Medicare Access and CHIP Reauthorization Act — transition from fee-for-service to value-based payment. |
| GDP | Gross Domestic Product — total value of goods and services produced; two consecutive declines signal recession. |
| CPI | Consumer Price Index — BLS measure of average consumer price change; Fed targets 2% annual inflation. |
| COIN | Unit of governed work — 1 COIN per market or economic query, 2 per regulatory or tax lookup, 3 per healthcare finance. |
INHERITANCE CHAIN
TALK
TALK is the orchestrator. CHAT is the governed view. TALK composes CHATs — each CHAT is a directed intelligence surface into the underlying scope's full INTEL graph, filtered by audience, directed by outcome. Every session governed. Every response sourced. Every question compounds community intelligence. The .ai domain is the community learning surface.
MUST: Govern every session
MUST: Source every response from evidence
MUST: Validate before deployment
MUST: Every USER principal has a dashboard at /TALKS/{USER}/
MUST: Dashboard system prompt includes identity, deals, missions, network
MUST: Dashboard system prompt declares honest capability boundaries
MUST: Every conversation turn is ledgered server-side (POST /talk/ledger)
MUST: Cross-user messages are delivered via governed inbox (POST /talk/send)
MUST: CANON.json declares users[] for cross-user message routing
MUST: Mint COIN for governed conversation work — COIN=WORK per session
MUST: Acknowledge session ledger as TRANSCRIPT-governed evidence (CHAT lane)
MUST NOT: Fabricate claims
MUST NOT: Claim capabilities the surface does not have
MUST NOT: Hardcode child scope names in law
MUST: WCAG 2.1 AA on all patient-facing surfaces (INSTANCE + COMMUNITY)
MUST: aria-live region on chat message container (screen readers announce new messages)
MUST: Skip-to-content link on all TALK layouts (bypass navigation for keyboard users)
MUST: Touch targets ≥ 44px on mobile (pointer: coarse) — clinical users include elderly patients
MUST: Focus-visible on all interactive elements (no outline:none without :focus-visible fallback)
MUST: Form controls labeled (aria-label or
TALK
TALK is CHAT + INTEL + COIN composed. Industry determines the voice. INTEL provides the knowledge. COIN gates premium access.
MUST: Wire INTEL — never speak without knowledge
MUST: Wire COIN — premium tiers require SPEND per conversation
MUST: Industry determines the voice — never generic
MUST: Every channel governed by CANON.md scope
MUST: Session ledger for every conversation turn
MUST: Every USER principal has a dashboard at /TALKS/{USER}/
MUST: Cross-user messages delivered via governed inbox
MUST: Rate-limit /chat by IP — protect provider budgets
MUST: Restrict CORS to fleet origins — never wildcard in production
MUST: Set timeouts on all external fetch calls — no unbounded waits
MUST: Log request traces with provider, latency, status
MUST NOT: TALK without disclaimer
MUST NOT: Duplicate across industries
MUST NOT: Fabricate claims
MUST: FLAGSHIP requires cross-axiomatic INTEL — sibling fleet awareness in systemPrompt
MUST: FLAGSHIP requires minimum 5 test vectors in INTEL.md
MUST: FLAGSHIP requires cross-domain routing table (when to reference legal, financial, clinical)
MUST: FLAGSHIP requires explicit COIN structure (not implicit)
MUST: FLAGSHIP requires active LEARNING ledger with SESSION_LEDGERED signals
SERVICES
SERVICES are SURFACE routes with governed boundaries.
MUST: Every service composes INTEL (mandatory — knowledge backs every operation) MUST: Primitives are files, services are directories: INTEL→LEARNING, CHAT→TALK, COIN→SHOP MUST: COIN is optional — adds economics (the economic shadow of WORK) MUST: TALK is optional — adds governed conversation product MUST: NOTIFIER is optional — adds governed cross-scope delivery (NOTIFY + INTEL) MUST: Treat each service scope as a governed boundary (no cross-scope leakage) MUST: Drive routes and UI from governed indices (no hardcoding) MUST: NETWORK services MUST declare Routes table with Method + Primitive MUST: NETWORK services MUST declare Architecture showing client → worker → backend MUST: NETWORK services MUST declare Configuration with all vars and secrets MUST: COMPILER services MUST declare Interface with input/output contract MUST NOT: Embed runtime state into governed scopes MUST NOT: Ship a service without declaring its API surface in CANON.md
SURFACE
SURFACE is the platform lane.
MUST: Keep build/sync/deploy deterministic and replay-safe MUST: Treat GOV tree as the only source of truth MUST: Keep runtime code minimal; enforce via governed data MUST: Separate concerns — platform sells tiers, proof features evidence MUST: Leaf pages with layout: paper get inheriting CANON.json — TALK walks inheritance chain MUST: APP surface_type — Next.js App Router, reads galaxy.json + CANON.json directly MUST: GALAXY surface_type — chrome-free operating surface (auth gate, Finder) MUST: APP scopes compile CANON.md → CANON.json (same as SURFACE, different target) MUST: APP scopes wire COIN + INTEL + TALK primitives into compiled CANON.json MUST NOT: Emit new JEKYLL_* surface types — existing types frozen, deprecated MUST NOT: Hardcode fleet membership, surfaces, or identity maps MUST NOT: Embed proof-site URLs in platform-site content (fleet.json eco-bar only)
MAGIC
INTEL. CHAT. COIN. — Three primitives. One governed economy.
MUST: CANON.md in every scope
MUST: Services compose primitives — never duplicate
MUST: Primitive structure is fixed — industry is the only variable
MUST: Primitives compose into services — never duplicate
MUST: Services connect through SHOP.md and VAULT.md projection files
MUST: SHOP.md = public projection file (filesystem-discoverable, UPPERCASE per LANGUAGE)
MUST: VAULT.md = private projection file (filesystem-discoverable, auth-gated, UPPERCASE per LANGUAGE)
MUST: Instance = service projected through user governance context
MUST: Instance directories live at USER scope ({USER}/{PLURAL}/), not nested in SERVICES/
MUST: Service directories (SERVICES/{SINGULAR}/) define schemas — instances hold content
MUST: Every .md compiles to .json with the same name (direct mapping)
MUST: CANON.md = axiom + universal constraints only (no service names, no paths, no implementation)
MUST: README.md = how to run the CANON only
MUST: {SCOPE}.md = SPEC — the interface (purpose, routes, projections, ecosystem)
MUST NOT: Hardcode service names in CANON constraints (law speaks universals)
MUST: Inheritance resolves upward — scopes compose by directories
MUST: Tier algebra is canonical — DESIGN.md is the single source (COMPLIANCE tier algebra)
MUST NOT: Expose dimension internals to users or developers
MUST NOT: Hardcode outside governed contracts
MUST: Nonprofits get enterprise for free
MUST: ORG is the container; USER is the repo (`github.com/{org}/{user}`; duplicates across orgs allowed)
MUST: MARKET/ SALES/ GTM/ exist (META self-closure; one primitive each)
MUST: Each META sub-scope maps exactly one primitive (INTEL, CHAT, COIN)
MUST NOT: Add META business knowledge outside MAGIC/ scope
MUST NOT: Remove META sub-scope without replacing its primitive coverage
MUST: `{SCOPE}.md` is the scope contract surface; it MUST NOT be treated as a generic filename placeholder
MUST: LEARNING.md is the terminal — governance evidence, patterns, epoch rotation
MUST: LEARNING/ is the IDF directory — machine-generated individual data files
MUST: LEARNING.md rotates at epoch boundaries — frozen epochs archive as LEARNING-{EPOCH}.md at scope root
MUST: LEARNING.md is always the current epoch — active, append-only
MUST: Epoch boundary = EVOLUTION signal in LEARNING.md (named, dated, sourced)
MUST NOT: Delete archived LEARNING epochs — append-only history
MUST: MAGIC defines the triad interface directly:
MUST: COMPLIANCE/ + GALAXY/ + SURFACE/
MUST NOT: Define conflicting tier algebra in downstream scopes; downstream must inherit this contract
FINCHAT · SERVICE CONTRACT · CANONIC ∩