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github madguyevans creator fintech cui trust framework an open source engineering governance standard defining trust boundaries for conversational ai agents in high stakes domains mit licensed github skip to content navigation menu toggle navigation sign in appearance settings platform ai code creation github copilot write better code with ai github copilot app direct agents from issue to merge mcp registry new integrate external tools developer workflows actions automate any workflow codespaces instant dev environments issues plan and track work code review manage code changes code quality enforce quality at merge application security github advanced security find and fix vulnerabilities code security secure your code as you build secret protection stop leaks before they start explore why github documentation blog changelog marketplace view all features solutions by company size enterprises small and medium teams startups nonprofits by use case app modernization devsecops devops ci cd 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file code open more actions menu folders and files name name last commit message last commit date latest commit history 23 commits 23 commits background background spec spec src src license license readme md readme md view all files repository files navigation readme mit license more items conversational finance governance framework an open source model agnostic engineering level governance framework for conversational ai in financial contexts also referred to as an open governance standard for conversational finance agents mit licensed what is this the conversational finance governance framework is an open mit licensed engineering specification that defines the structural governance components a conversational ai agent must implement before being deployed in any context where its outputs could create financial obligations regulatory exposure or consumer harm it is not a software product it is a public domain technical specification analogous to an rfc that any enterprise with engineering resources can implement this framework is engineered under the ai native engineering paradigm governance is not retrofitted onto ai systems after deployment as an external audit layer governance mechanisms intent classification authorization gating generation boundary enforcement circuit breaking and audit logging are embedded as structural components from the first line of code they are properties of the interaction architecture not post hoc content filters the framework addresses a structural gap as systems shift from graphical user interfaces gui to conversational user interfaces cui ai agents make decisions about what to say what to promise and what to authorize no shared industry level specification currently defines the trust boundaries within which these agents must operate architecture user agent runtime protocol middleware llm intent classification matrix authorization generation authority trigger boundary circuit breaker audit trail pipeline five layer architecture the framework defines five structural layers each enforced at a specific point in the agent s generation pipeline intent classification matrix classifies each conversational intent along two independent axes financial commitment risk f0 f3 and regulatory sensitivity r0 r3 before any response is generated authorization trigger applies the authorization trigger decision table if the classified intent requires authorization the agent suspends generation and obtains explicit user confirmation before proceeding not a binary switch a conditionally compiled authorization logic configurable by regulatory intensity generation boundary constrains the model s permissible response space before a user facing answer is delivered rather than relying solely on after the fact manual review enforced at both pre generation and post generation stages audit trail pipeline produces an immutable hash chained machine readable log of every generation authorization escalation and circuit break decision with full decision chain traceability from intent classification to final output authority circuit breaker a circuit break mechanism that severs the agent s generation privilege in real time when conversation state reaches pre defined compliance thresholds unlike authorization trigger which suspends generation pending user confirmation authority circuit breaker terminates generation authority outright and transfers control to a human operator or deterministic sop core mechanisms authorization trigger a structured taxonomy of conversational intents that require explicit user authorization before an ai agent may proceed intents are classified along two axes financial commitment risk f0 f3 and regulatory sensitivity r0 r3 the trigger fires before the agent generates any response not a binary switch the same user utterance triggers different authorization paths under different compliance parameter sets generation boundary a categorical specification of content types an agent must never autonomously generate including financial commitments price guarantees compliance representations and discriminatory or deceptive outputs constrains the model s permissible response space before a user facing answer is delivered rather than relying solely on after the fact manual review authority circuit breaker a circuit break mechanism that severs the agent s generation privilege in real time when conversation state reaches pre defined compliance thresholds unlike authorization trigger which suspends generation pending user confirmation authority circuit breaker terminates generation authority outright and transfers control to a human operator or deterministic sop trigger conditions include cumulative conversation patterns approaching regulatory limits user vulnerability signals and multi turn escalation trajectories exceeding safe bounds audit trail pipeline a standardized immutable log format capturing every generation authorization escalation and circuit break decision with full decision chain traceability supporting both internal governance and third party audit three tier adoption model lite default configuration zero customization standard designated audit role and full forkable for enterprise integration the same specification serves both small organizations and large enterprises core mapping decoupling a defining architectural property of this framework is the separation of core governance logic from jurisdiction specific compliance rules the five layers remain architecturally invariant across deployment contexts jurisdiction specific requirements retention periods notification thresholds additional prohibited content categories are configured through a compliance mapping layer without modifying the core specification who is this for any enterprise whose conversational ai agents handle interactions that touch payments financial commitments or regulated consumer decisions including financial institutions fintech smes healthcare booking platforms legal intake services education enrollment systems and retail delivery platforms getting started lite read the spec deploy the reference implementation with default configuration zero customization required standard read the spec deploy the reference implementation assign one person to periodic audit review full fork the spec and reference implementation integrate with existing compliance infrastructure customize the compliance mapping layer see spec for the full specification repository structure readme md you are here license mit spec the protocol specification the core artifact src reference implementation background research foundation concept paper architecture whitepaper research proposal background concept paper academic framing ai governance framework and trust mechanisms architecture whitepaper the 5 layer reference architecture research proposal empirical study design genai as process innovation in organizational contexts license mit see license about an open source engineering governance standard defining trust boundaries for conversational ai agents in high stakes domains mit licensed topics open source protocol ai safety human in the loop conversational ai ai governance trust boundary resources readme license mit license uh oh there was an error while loading please reload this page activity stars 200 stars watchers 14 watching forks 17 forks report repository releases 3 human ai symbiosis protocol v0 1 0 initial specification draft latest may 21 2026 2 releases packages 0 uh oh there was an error while loading please reload this page contributors uh oh there was an error while loading please reload this page footer 2026 github inc footer navigation terms privacy security status community docs contact manage cookies do not share my personal information you can t perform that action at this time