bp Sphere Runtime Mission

Credit Decision Intelligence Mission

Risk finds the credit controller. The mission detects credit signals, assembles context, retrieves evidence, evaluates policy, activates agents, recommends action, requests human approval, executes governed workflows, preserves replay, and captures learning.

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Credit Decision parity proof

P2P gold-standard parity contract: every mission must expose Signal, Context, Policy, Evidence, Decision, Action, Replay, and Learning with inspectable records and source lineage.

L1 Signal

L2 Context

L3 Policy

L4 Evidence

L5 Decision + Action

L6 Outcome

L7 Replay + Learning

Link	Artifact	What can be inspected	Drilldown
Signal	TICK-CREDIT-61044	Customer exposure increased while payment behavior and external risk deteriorated.	Open L1-L7 proof: Signal is tied to source lineage, agent identity, policy gate, evidence pack, human boundary, action payload, replay record, and learning outcome. Artifact TICK-CREDIT-61044 is the inspection handle for this mission.
Context	CTX-CREDIT-61044	Customer, credit limit, invoices, disputes, commodity sensitivity, country risk, and owner resolved.	Open L1-L7 proof: Context is tied to source lineage, agent identity, policy gate, evidence pack, human boundary, action payload, replay record, and learning outcome. Artifact CTX-CREDIT-61044 is the inspection handle for this mission.
Policy	FIN-CREDIT-EXPOSURE-014 v3.1	Exposure above threshold or rating deterioration requires credit-owner escalation.	Open L1-L7 proof: Policy is tied to source lineage, agent identity, policy gate, evidence pack, human boundary, action payload, replay record, and learning outcome. Artifact FIN-CREDIT-EXPOSURE-014 v3.1 is the inspection handle for this mission.
Evidence	EP-CREDIT-61044	AR ageing, credit limit, payment history, dispute notes, market signal, external rating.	Open L1-L7 proof: Evidence is tied to source lineage, agent identity, policy gate, evidence pack, human boundary, action payload, replay record, and learning outcome. Artifact EP-CREDIT-61044 is the inspection handle for this mission.
Decision	DEC-CREDIT-61044	Reduce discretionary exposure and trigger priority collections review.	Open L1-L7 proof: Decision is tied to source lineage, agent identity, policy gate, evidence pack, human boundary, action payload, replay record, and learning outcome. Artifact DEC-CREDIT-61044 is the inspection handle for this mission.
Action	ACT-CREDIT-61044	Draft credit hold, collection task, and customer-owner notification.	Open L1-L7 proof: Action is tied to source lineage, agent identity, policy gate, evidence pack, human boundary, action payload, replay record, and learning outcome. Artifact ACT-CREDIT-61044 is the inspection handle for this mission.
Replay	RPL-CREDIT-61044 - 98.5%	Credit signal, evidence, policy, recommendation, approval, and outcome replayable.	Open L1-L7 proof: Replay is tied to source lineage, agent identity, policy gate, evidence pack, human boundary, action payload, replay record, and learning outcome. Artifact RPL-CREDIT-61044 - 98.5% is the inspection handle for this mission.
Learning	LRN-CREDIT-61044	Payment deterioration pattern stored for future credit-decision prioritization.	Open L1-L7 proof: Learning is tied to source lineage, agent identity, policy gate, evidence pack, human boundary, action payload, replay record, and learning outcome. Artifact LRN-CREDIT-61044 is the inspection handle for this mission.

Record	Business object	Impact	Action	Policy
CUST-61044	Strategic customer exposure	$150.0M	Reduce limit	FIN-CREDIT-EXPOSURE-014
INV-AR-44910	Overdue invoice cluster	$22.4M	Collections escalation	FIN-COLLECTIONS-022
RISK-COUNTRY-08	Country risk movement	High	Portfolio review	FIN-RISK-009