CreditVector Studio

The first native GIOS application — the canonical product-integration architecture. Read-only, metadata-only: no generation, no providers, no execution, no real disputes.

F3foundationowns 0 runtimes0 duplicated enginesABI v1.0.0#4b37fdfe

Capabilities

Runtimes consumed

Future runtime refs

Creative requirements

Overview & Products

venturegabriel-capital-labs

live productcreditvector.app

integrationnative integration via Runtime ABI v1.0.0 — the live SaaS adopts GIOS runtimes incrementally; this module is the declared contract

objectiveconsumer-credit intelligence: directed disputes, education, and compliant growth

usersconsumers, credit-repair agencies, partner professionals

Capability Registry (every engine = OS runtimes)

Dispute Engineno local impl

reasoning · knowledge-graph · policy

Letter Engineno local impl

execution-planning · filesystem · api

Timeline Engineno local impl

memory · m53-scheduler (future)

Evidence Engineno local impl

filesystem · memory

Investigation Engineno local impl

mcp · reasoning

Knowledge Engineno local impl

knowledge-graph

Marketing Engineno local impl

policy

Creative Engineno local impl

policy

Client Portalno local impl

memory · policy

Analyticsno local impl

repository · memory

Product Dependency Graph

1. CreditVector (product metadata — this module)built

creditvector

2. OS Runtimesbuilt

knowledge-graph · reasoning · execution-planning · memory · policy · repository · advisor · filesystem · terminal · mcp

3. AI Operating Layerbuilt

.ai/ (boot chain, planner, ledgers)

4. Brokerfuture

vault · approval · broker

5. Providersfuture

bureau-data · mail-delivery · media-generation (via M38, replaceable)

6. Executorsfuture

broker-owned executors only (Article VI)

Clients · Cases · Disputes · Letters · Investigations · Evidence (workflow architecture)

Dispute cycle

compliance-strictfuture-broker

intake → investigation → strategy → letter plan → compliance gate → delivery (future broker) → follow-up → outcome memory

Client onboarding

default-enforcefuture-broker

portal intake → consent → case memory init → education media plan

Compliant content cycle

compliance-strictfuture-broker

creative brief → creative studio pipeline → compliance review → publish (future broker)

Knowledge & Memory Schema

FCRACROAFDCPAUDAAPstate CSO statutesbureau procedurescollectionsidentity theft

🧠 long-term product memory · owner: Memory Runtime · permanent

🧠 case memory · owner: Memory Runtime · case lifetime + statute

🧠 client memory · owner: Memory Runtime · relationship lifetime

🧠 creative memory · owner: Memory Runtime · permanent

🧠 campaign memory · owner: Memory Runtime · campaign + analytics window

🧠 research memory · owner: Memory Runtime · refresh cadence

🧠 audit memory · owner: Memory Runtime · permanent, append-only

Creative Assets · Marketing (flagship Creative Studio customer)

🎬 video (education, product) · genome: genome-creditvector (future)

🎬 image (social, ads) · genome: genome-creditvector (future)

🎬 voice (explainers) · genome: genome-creditvector (future)

🎬 podcast (credit education) · genome: genome-creditvector (future)

🎬 client onboarding sequences · genome: genome-creditvector (future)

🎬 social media programs · genome: genome-creditvector (future)

🎬 ads + campaigns (compliance-gated) · genome: genome-creditvector (future)

🎬 brand memory + Creative Genome stewardship · genome: genome-creditvector (future)

Everything consumes Creative Studio (Track B/D); nothing duplicated. Compliance-gated per compliance-strict/default-enforce.

Automation & Deployment

execution ownerfuture Broker only (Article VI)

policyevery side-effecting workflow is judged by M41/POLICY-EXT; consumer-credit actions are regulated — nothing publishes or sends before the Broker + binding allow + human approval

deploymentexisting CreditVector SaaS (Vercel) · GIOS-hosted (future) · enterprise (Track E, future)

version compatABI 1.0.0 · snapshot ≥ TRACKS

Diagnostics

owned runtimes0

duplicate implementations0

creative / memory / policy sharedtrue / true / true

executes / generatesfalse / false

CreditVector is Product #1 — the Future Product Template. Marketing AI, Trading, Research, Automation Studio, Enterprise Workspace, and Business Suite integrate identically, differing only by metadata.