Root Ledger
Append-only, hash-chained, Ed25519-signed. The only write path. A lender reading a file writes an access entry in the same transaction, so disclosure and its audit record cannot be forgotten.
How Origin is put together
A fold, not a store.
Origin File
A pure projection of a prefix of the ledger. Replayable as of any past instant, so a declined consumer can be shown the file the lender actually saw — not today's file with the decision inferred against it.
Origin Score
Five published models, four pillars, a 300–850 band so lender cutoffs do not have to be rebuilt. The product underneath is the underwriting packet: residual income, shock absorption, identity, provenance quality.
Disputes
Detectors flag anomalies. They do not open a dispute and they do not start the FCRA clock. A dispute starts when the consumer confirms. Silence past the deadline suppresses. An undocumented 'verified' does not discharge the burden of proof.
What this site is
A consumer portal over synthetic files. The five personas exercise specific claims: a thin-file renter, a gig worker, medical exclusion, identity theft, and recovery after a late. Nothing here may be pointed at real consumer data.