8.40 J
running total 8.40 J
Sarah opens an AI assistant to find a house.
She types: "3-bed, solar-ready, under $640k, 30-min commute to the lab." The cascade routes the query through Imagine, Semantic, and Math-Ground AIs. A memoized hit on a near-identical query saves 2,310 J upstream. The query itself spends compute.
kind "txai.cascade.query"
emits "answer + 14 listing matches"
joules 8.40
cite "verity-cascade memoize: hit, ttl=14d"
sig "ed25519:0x4f...00c1a"
0.60 J
running total 9.00 J
Sarah and Diego sign in. Their identities are real.
OIDC ID token issued. They present verifiable credentials — driver's license, residency, employment income — to the listing portal via OID4VP. Three FROST signers (themselves, the bank, the title company) co-author the closing keypair. No password sits on a server.
kind "trust.id.token"
emits "id_token · presentation · FROST 2-of-3"
joules 0.60
cite "OID4VP · DIF Presentation Exchange · RFC 9591"
sig "ed25519:0x4f...0dc1a"
0.40 J
running total 9.40 J
The parcel is real. The property is real. The unit is real.
TerraOS pulls the parcel by APN, the structure on it, and the legal unit being conveyed. Lot size 7,200 sqft, structure 1,840 sqft, year built 1976, last assessed 2024. Smart-meter is registered. Solar interconnect agreement is on file.
kind "terra.property.read"
emits "Parcel · Property · Unit (CRC sig)"
joules 0.40
cite "TerraOS schema v1 · sub-meter:on"
sig "ed25519:0x4f...1ac1a"
1.20 J
running total 10.60 J
The title chain is provable.
Six prior deeds, two easements, one solved lis pendens from 2003. InformationOS returns the chain as a graph with citations to the recorder's office for each link. Every fact has a source.
kind "info.chain.resolve"
emits "title-chain depth=6 · provenance:all"
joules 1.20
cite "GraphRAG · county recorder receipts"
sig "ed25519:0x4f...27c1a"
0.60 J
running total 11.20 J
The applicable law is fetched, not guessed.
TILA-RESPA disclosures, state seller-disclosure form, solar-system transfer disclosure, EV-charger easement language. LegalOS pins the exact statute version that applies on the close date.
kind "legal.statute.snapshot"
emits "12 statutes · 1 jurisdiction · pinned"
joules 0.60
cite "12 USC §2601 · CA Civ §1102"
sig "ed25519:0x4f...34c1a"
1.10 J
running total 12.30 J
The mortgage broker quotes a rate, eSign-ready.
Stack-advisor sizes the deal: 30y conventional, 7.1% APR, $2,800 origination, 0.5 point. Quote includes vendor catalog (escrow, title, inspection) and is countersigned by Sarah and Diego in 90 seconds.
kind "advisor.quote.signed"
emits "quote + eSign · TEM:on"
joules 1.10
cite "AdvisorOS playbook: residential.30y"
sig "ed25519:0x4f...41c1a"
24.00 J
running total 36.30 J
An appraiser and an inspector resolve property condition.
Distance function: this house vs. five comps. Inspector emits 47 condition assertions, each with a photo and a confidence. Appraisal lands at $612,000. Reproducible if anyone re-runs the same comps and rules.
kind "expert.resolution"
emits "appraisal · 47 inspection assertions"
joules 24.00
cite "ExpertOS distance: comp-set NCRE-12839"
sig "ed25519:0x4f...4ec1a"
1.70 J
running total 38.00 J
Homeowner's policy + solar rider bound.
ACORD-shaped policy. Replacement cost $740,000. Solar rider $42,000. Parametric flood trigger if NOAA gauge X124 exceeds 12.4 ft. Premium: $2,140/yr.
kind "insurance.policy.bind"
emits "ACORD-bind · policy + 2 riders"
joules 1.70
cite "ACORD AL3 · NOAA gauge X124"
sig "ed25519:0x4f...5bc1a"
4.20 J
running total 42.20 J
Federal solar credit modeled. Mortgage interest projected.
Form 5695 line 1: $18,400 solar system × 30% = $5,520 tax credit. Mortgage interest deduction projected for tax years 2026–2056. Each number links to the IRC section that authorizes it.
kind "veritas.return.compute"
emits "Form 5695 · §163(h) projection"
joules 4.20
cite "IRC §25D(a)(1) · IRC §163(h)(3)"
sig "ed25519:0x4f...68c1a"
0.05 J
running total 42.25 J
The mortgage hits the secondary market.
The originator securitizes the loan into an MBS pool. TradingOS matches the pool against a buy interest at price-time priority. Pre-trade risk: pass. Fill at 102-08 over a $1.2M lot.
kind "trading.fill"
emits "FIX 35=8 · 39=2 · TradeReportID"
joules 0.05
cite "FIX 4.4 · Reg 15c3-5"
sig "ed25519:0x4f...75c1a"
11
Settlement
SettlementScience
9.80 J
running total 52.05 J
The wire moves. Atomically.
Sarah and Diego's escrow funds move to the seller via ISO 20022 pacs.008. Title company releases the deed. Atomic delivery-vs-payment — neither side moves alone.
kind "settlement.dvp"
emits "pacs.008 · DvP · cleared"
joules 9.80
cite "ISO 20022 · RTGS settlement"
sig "ed25519:0x4f...82c1a"
6.00 J
running total 58.05 J
AML, KYC, FinCEN RRE — all green, all evidenced.
OFAC screening, beneficial-ownership disclosure, FinCEN Real-Estate Reporting Rule (March 2026), CSRD energy disclosure. Every check is a Cedar predicate over the receipts already generated upstream. No upload, no screenshot.
kind "compliance.evidence"
emits "OSCAL bundle · 11 controls satisfied"
joules 6.00
cite "OSCAL 1.1.2 · 31 CFR §1031 · CSRD"
sig "ed25519:0x4f...8fc1a"
0.90 J
running total 58.95 J
Wire-fraud check passes.
The title company's email domain is checked against MITRE ATT&CK BEC patterns. Sender DKIM, SPF, DMARC: pass. Email body fingerprint vs. 2026 wire-fraud campaign: no match. The wire instruction is signed.
kind "cyber.attestation"
emits "BEC-clear · DKIM:pass · receipt-signed"
joules 0.90
cite "MITRE ATT&CK T1566.002"
sig "ed25519:0x4f...9cc1a"
96.00 J
running total 154.95 J
The closing call happens over MoQT, end-to-end encrypted with MLS.
Buyer, seller, two agents, notary. Eight minutes of audio + video. MLS group rekeyed when the notary joined. The recording is itself a signed receipt — the audio is the evidence.
kind "comms.session"
emits "MoQT track + MLS epoch · 8m04s"
joules 96.00
cite "MoQT draft · MLS RFC 9420"
sig "ed25519:0x4f...a9c1a"
0.30 J
running total 155.25 J
Health insurance updates the address. Zero-touch.
FHIR Patient resource patched with the new address. SMART App Launch propagates the change to the dental and vision payers. CDS Hooks fire for any pending visits.
kind "medicine.fhir.update"
emits "Patient.address · 3 payers notified"
joules 0.30
cite "FHIR R5 · SMART App Launch v2"
sig "ed25519:0x4f...b6c1a"
3.10 J
running total 158.35 J
First-time-buyer course completion is recorded.
HUD-approved 8-hour homebuyer course. xAPI statements logged. OpenBadges 3.0 credential issued and presented to the lender for the closing-cost credit.
kind "edu.credential"
emits "OpenBadges 3.0 · HUD course #2026-0407"
joules 3.10
cite "xAPI LRS · LTI 1.3"
sig "ed25519:0x4f...c3c1a"
17
Destination
DestinationScience
0.20 J
running total 158.55 J
The town's DMO logs the inbound household.
Local DMO records a new resident household. TOT (transient occupancy tax) baseline updated for any future short-term rental. Economic-impact ledger: +1 owner-occupied unit.
kind "destination.dmo"
emits "household-record · TOT-baseline"
joules 0.20
cite "DestinationScience inv-dmo v1"
sig "ed25519:0x4f...d0c1a"
18
Engineering
EngineeringOS
18.00 J
running total 176.55 J
The smart meter is provisioned via IaC.
OpenTofu apply: utility account, NEM 3.0 interconnection, EV-charger circuit registered. MCP tool calls audited by an LSP-driven policy check. Drift detector watches forever.
kind "eng.iac.apply"
emits "tofu apply · 14 resources · 0 drift"
joules 18.00
cite "OpenTofu HCL2 · MCP"
sig "ed25519:0x4f...ddc1a"
4.00 J
running total 180.55 J
The mover's release pipeline runs.
Carrier dispatch service deploys a tenant-specific run book to the local crew. Canary on the route plan, feature flag for the heavy-load pickup, FinOps tag the trip to the cost center.
kind "delivery.release"
emits "release v2026.05.07 · canary 5%→100%"
joules 4.00
cite "DORA · DevSecOps gates"
sig "ed25519:0x4f...eac1a"
9.40 J
running total 189.95 J
An agent orchestrated all of the above.
An A2A graph: search-agent → identity-agent → escrow-agent → compliance-agent. Every tool call leaves a guard-railed, receipt-stamped trace. Multi-agent memory carries the deal context across days.
kind "agent.run"
emits "A2A graph · 31 tool calls · 0 redactions"
joules 9.40
cite "MCP + A2A · receipt-stamped trace"
sig "ed25519:0x4f...f7c1a"
0.40 J
running total 190.35 J
Insights tallies the joules. Calculates the emissions.
Total deal energy (compute + comms + IaC + render): 190.65 J ≈ 0.000053 kWh. Grid mix at the data center says 0.32 g CO₂. The CSRD report is a function of the receipt log — it isn't compiled, it's projected.
kind "insights.aggregate"
emits "joule-tally + CO₂ projection"
joules 0.40
cite "Insights · CSRD §29b · grid-mix lookup"
sig "ed25519:0x4f...04c1a"
0.04 J
running total 190.39 J
TX Science TV broadcasts the receipt.
A signed event hits the public ticker: "residential close · solar + EV · 190.65 J · 0.32 g CO₂." Subscribers filter by jurisdiction, by pillar, by joule cost. Anyone re-derives the totals from the receipt log.
kind "tv.feed.publish"
emits "embed:terra/2026-05-07/close-9241"
joules 0.04
cite "TX TV embed protocol v1"
sig "ed25519:0x4f...11c1a"