What Origin actually does
These are not slogans waiting for a roadmap. Each one is a type, a detector, or a digest. Two of them are honest about what they are not: Origin does not silently rewrite furnisher facts, and it does not ship a zk-SNARK. The rest are structural.
Detectors flag stale balances, re-aged debt, duplicates, and unheralded collections. The furnisher's next entry supersedes. Origin does not invent a corrected balance and does not open a dispute. The FCRA clock starts when the consumer confirms.
A BLAKE3 digest of the canonical file, bound to the ledger prefix it was folded from. Re-fold the same entries and the digest matches, or it does not. Consumers can audit. Third parties can audit. Origin's word is not required.
Every payload names who may assert it: consumer, furnisher, or Origin. Services are readers. A furnisher cannot grant consent. Origin cannot write a tradeline. The check is a predicate today; it is not yet a constructor gate, so historical chains remain replayable.
A grant is an allow-list of classifications, a purpose, a recipient, and an expiry. Revocation is another entry. An expired grant cannot authorize a pull. Amendment is a new grant: the ledger is append-only, so the previous permission stays visible as history.
Honestly: a digest-bound predicate, not a Groth16 proof. Score at least N. Twelve on-time rent payments. No effective collections. Residual income at least this amount. Student loans in good standing — deferral and forbearance count. Anyone who can re-fold the file at the bound digest can check the claim. They do not receive the tradelines unless you also granted a disclosure.
An ordered pull firewall: FCRA §604 purpose, Origin consent, then freeze. Failures block, write AccessRefused on that subject's ledger, and never disclose or score-for-lender. all_clear is true only when every check passed.
A DID can be bound to a subject. A verifiable credential is a first-class identity method, stronger than knowledge-based questions and weaker than a government ID match. The DID is public by design; tax identifiers still live in the erasable store.
The score is a fold of the file as of a date. Appending a payment updates it. Moving the as-of date updates it. There is no monthly batch and no reporting-cycle lag inside Origin. Furnishers can still be slow; Origin will not wait extra on their behalf.
A bureau no-hit with housing or income is still underwritable here. Residual monthly income, shock absorption, and provenance quality sit in the packet next to the 300–850 cutoff. Lenders who join see risk they currently decline, which is a pricing advantage, not a moral argument.
The failure Origin is built against
Incumbent underwriting collapses that file into a skewed debt-to-income ratio, or into no credit history because the loan sat in deferral. Same person. Same rent paid on time. No mortgage. That is the failure.
Student debt is an input to the mortgage, auto, and personal scores — not a seventh cutoff. Residual income subtracts the arranged payment, not the principal divided by twelve. Deferral and forbearance are repayment. Growth is this consumer's documented earnings path, not a GDP series. The same file scored twice is the same digest. Fairness measures the model; it does not feed the number.
Four sides are accountable: furnishers from dispute outcomes, lenders by writing a decision receipt, the consumer by holding time-bounded consent, Origin by being re-foldable. There is no consumer 0–100 for disputing or withholding consent. The published models are judgmental. They do not claim to be empirically derived.
How a consumer arrives
Upload Equifax, Experian, and TransUnion. Origin records the tapes as permissioned sources, flags the patterns the detectors already name — re-aging, orphans, unheralded collections, unrecognized inquiries — and folds an Origin Score from what survives. It does not copy their 300–850. It does not open a dispute. It does not call a pattern a crime.
A bureau-only file is still missing housing and income. That is named, not papered over. 1Origin stores a digest of a carried disclosure. It does not parse bureau-issued PDF reports. FCRA duties are in the runtime. There is no CRA registration to wait on.