Clarity Engine: Document Directory

Executive Summary and Master Delivery Tracker. PreFi, Inc. / Purpose Technology, Inc. d/b/a Purlend. v1.0, March 2026. CONFIDENTIAL.

Table of Contents Overview A: Launch & Coordination B: Product & Architecture C: Engineering Reference D: Orientation & Reference E: Deal Science S: Skill Specifications Delivery Checklist

A: Launch & Coordination

2 documents. For David, BIX, and Sydney. Start here. These two documents are the operating layer for the engagement.

#	Document Name	For	What It Is
A-01	Discovery Kickoff Agenda	David, BIX, Sydney	The playbook for your first working session with BIX. Covers who reads what before they show up, the full 3-hour meeting agenda, every open question that needs an answer, the deliverable schedule with pass/fail criteria, and what a successful kickoff looks like.
A-02	BIX Engagement Tracker	Sydney	Sydney's management dashboard for the entire BIX build engagement. Tracks all 16 deliverables, their acceptance criteria, every open question, the decision log, weekly status template, and the escalation protocol.

4 documents. For David, BIX, and Sydney. The full picture of what is being built and why.

#	Document Name	For	What It Is
B-01	Master PRD	David, BIX, Sydney	The complete product requirements document for the Clarity Engine. Defines what the system must do, the business rules it enforces, the borrower experience it produces, and the technical standards it must meet.
B-02	Architecture Overview	David, BIX, Sydney	Shows how the Clarity Engine is structured as an 8-layer system, from raw borrower data to final approved-path output.
B-03	VA Module PRD	BIX, Sydney	Product requirements specifically for VA loan processing. Covers eligibility verification, entitlement, funding fee, and the residual income standard.
B-04	VA and DSCR Program Guide	BIX, Sydney	A plain-language reference for how VA and DSCR (investment property) loans work: the rules, thresholds, and qualification logic.

5 documents. For BIX (Sydney: C-02, C-05). The technical specifications BIX needs to build the Clarity Engine.

#	Document Name	For	What It Is
C-01	Skill Integration Guide	BIX	BIX's primary build blueprint. Explains how all 15 skills connect into a single working pipeline. If BIX reads only one document, this is it.
C-02	Skill Dependency Map	BIX, Sydney	A visual and structured map showing which skills depend on which. Includes the 15x15 dependency matrix, critical build path, and MVP build order.
C-03	Math Implementation Guide	BIX	Step-by-step instructions for building all 21 mortgage math functions. Each function has the exact formula, computation sequence, and common mistakes to avoid.
C-04	Math Test Battery (50 Vectors)	BIX	50 pre-calculated test cases with exact expected outputs. Every vector must match within $0.02. No skill build begins until the math passes.
C-05	Data Dictionary	BIX, Sydney	Defines every data field the Clarity Engine uses: field name, data type, valid values, and what it means.

4 documents. For David, BIX, and Sydney. The comprehension layer.

#	Document Name	For	What It Is
D-01	Skill Library Summary	David, Sydney	A one-card-per-skill overview of all 15 skills in plain business language.
D-02	Glossary	David, Sydney, BIX	Plain-English definitions for every technical term used in the Clarity Engine.
D-03	Sequenced Claude Workflow	BIX, Sydney	A step-by-step guide showing how the Claude AI model is invoked at each stage of the Clarity Engine.
D-04	Mortgage Math Worked Examples	BIX, Sydney	Real mortgage scenarios solved from start to finish: rate reduction, term shortening, cash-out refinance, debt consolidation.

1 document. For BIX.

#	Document Name	For	What It Is
E-01	Deal Science BIX Reference	BIX	The foundational mortgage intelligence reference BIX needs to understand the "why" behind the qualification logic. Covers how loan scenarios are constructed, how outcome optimization works, and the deal science principles.

15 files. For BIX. 13,170 lines total. The ground truth for what each skill must do. These are not suggestion documents; they are the contract.

#	Skill Name	Lines	What It Does
S-01	Math	982	21 mortgage math functions: payment, amortization, term calculation, rate analysis.
S-02	VA Module	404	VA loan eligibility: veteran status, entitlement, funding fee, residual income requirement.
S-03	Borrower Profile	1,427	Turns raw borrower documents into the single standardized data object.
S-04	Program Router	1,248	Runs the borrower through 5 eligibility gates.
S-05	Constraint Detection	1,358	Identifies every obstacle standing between the borrower and approval.
S-06	Explanation	888	Translates qualification outcomes into plain English.
S-07	Conventional	1,247	Full qualification logic for conventional (Fannie Mae) loans.
S-08	FHA	1,178	Full qualification logic for FHA government loans.
S-09	DSCR	1,025	Full qualification logic for investment property loans based on rental income.
S-10	Optimization	690	Scores every eligible program across 6 dimensions to find the best fit.
S-11	Scenario Generation	565	Builds a concrete action plan for every constraint.
S-12	Ranking	367	Sorts all eligible programs by score, applies tiebreaker rules.
S-13	Overlay	554	Applies lender-specific requirements and state-specific rules.
S-14	Audit Trace	555	Creates the complete decision record for regulatory compliance.
S-15	Always Approved	682	The final output: the definitive approved-path statement for every borrower.