Skill Dependency Map For BIX Tech Corp + Sydney Bocik | v1.0 | March 2026 | CONFIDENTIAL — PreFi, Inc. / Purpose Technology, Inc. d/b/a Purlend
GREEN ✓ = direct dependency (skill receives data directly from provider). AMBER ~ = indirect dependency (data flows through intermediate skill). — = self. Empty = no dependency.
Consumer \ Provider Math VA Mod BorrProf Router Const VA Qual Conv FHA
Optim Scenario Ranking Overlay Audit AA Math —
VA Mod
— ✓
BorrProf ✓
—
Router ✓ ~ ✓ —
Const
✓ ✓ —
VA Qual ✓ ✓ ✓ ✓
—
Conv ✓
✓ ✓
—
FHA ✓
✓ ✓
—
✓
✓ ✓
—
Optim
~ ✓ ✓ ✓ ~ —
Scenario
✓
✓
✓ —
Ranking
✓ ✓ —
Overlay
✓
✓ —
Audit
✓ ✓ ✓ ~
✓ ✓ —
AA
✓ ✓ ✓ ✓ —
The critical path is the sequence of skills that cannot be parallelized — each step blocks the next. Build and test in this order.
Step Skill ID Requires Unblocks Why It Is On The Critical Path 1 — Borrower Profile S03 None ALL other skills No other skill can start without BorrowerProfile. It is the root node. 2 — Program Router S04 S03 (BorrowerProfile)
Determines which programs qualify to run. Eliminates programs at 5 gates. 3 — L3 Skills (parallel)
S03, S04 (+ S02 for VA) S10 (Optimization) All L3 skills must complete before Optimization can score. 4 — Constraint Detection S05
S11 (Scenarios) Must complete before Scenario Generation. Runs in parallel with L3. 5 — Optimization S10 All L3 QualResults
Gateway to all L4+ skills. If this fails, nothing downstream can run. 6 — Ranking S12
Ranked list is required by Overlay, Audit, and Always_Approved. 7 — Overlay S13 S12 S15 Confidence adjustments required before Always_Approved emits. 8 — Always Approved S15
User / Borrower / Lender Terminal node. Output is the Purlend product.
Where the architecture allows parallel execution, run skills concurrently to minimize total pipeline latency.
Skill Running Can Run In Parallel With Condition / Notes S03 (Borrower_Profile) S02 (VA_Module) — if veteran flag detected in raw data S02 needs BorrowerProfile.veteran_status but can start with partial profile S04 (Program_Router) S05 (Constraint_Detection) — partial Constraint_Detection can begin risk flag detection while Router completes gates S06 (VA_Qual) S07 (Conv_Qual), S08 (FHA_Qual), S09 (DSCR_Qual) All L3 skills receive same BorrowerProfile + their queue item — fully independent S07 (Conv_Qual) S08 (FHA_Qual) No shared state — fully parallel S10 (Optimization) S14 (Audit_Trace) — partial Audit_Trace can begin consolidating L3 LineageTraces while Optimization runs S11 (Scenario_Gen) S12 (Ranking) — NOT parallel Ranking requires ScenarioSet from Scenario_Generation. Must be sequential. S12 (Ranking) S13 (Overlay) — NOT parallel Overlay requires RankedProgramList. Must be sequential.
The minimum set of skills required to produce a working Always_Approved output for a single program. Build the MVP path first, then add skills to reach full coverage.
ID Skill MVP Requirement S01 Math YES — foundation for all payment calculations S03 Borrower_Profile YES — root node S04 Program_Router YES — gates program eligibility S06 or S07 or S08 Single program qualification YES — at minimum one program to produce a QualResult S10 Optimization YES — required for ranking S12 Ranking YES — required for Always_Approved S15 Always_Approved YES — the product output S02 VA_Module CONDITIONAL — required only if VA borrower S09 DSCR_Qualification CONDITIONAL — required only if investment property S05 Constraint_Detection RECOMMENDED — required for Scenario Generation S11 Scenario_Generation RECOMMENDED — required for full Always_Approved Tier 2/3 S13 Overlay RECOMMENDED — required for lender-level confidence accuracy S14 Audit_Trace COMPLIANCE — required for ECOA adverse action and ML pipeline
Full L3 coverage FULL — all three for complete program comparison
MVP BUILD ORDER: Math → Borrower_Profile → Program_Router → One L3 skill (recommend VA first) → Optimization → Ranking → Always_Approved. This produces a working end-to-end pipeline. Add remaining skills iteratively.
The Clarity Engine is organized in 8 layers. Each layer has a defined role. Skills in the same layer share the same inputs and can run in parallel.
Layer ID Skills Layer Role L0 S01 Math Shared function library — 21 mortgage math functions. Called by all other skills internally. L1
VA_Module, Borrower_Profile Raw data normalization. Produces the BorrowerProfile and VA eligibility objects. L2
Program_Router, Constraint_Detection Program gating and constraint identification. Determines which programs proceed. L3
VA, Conventional, FHA, DSCR Qualification Full qualification for each eligible program. Parallel execution. L4
Optimization, Scenario_Generation Scoring and action path generation. Optimization scores programs; Scenarios resolve constraints. L5
Ranking, Overlay Final program ranking and lender confidence adjustment. L6 S14 Audit_Trace Decision lineage, compliance export, ML training record. L7 S15 Always_Approved The Purlend output — Always_Approved statement for every borrower.
CONFIDENTIAL — PreFi, Inc. / Purpose Technology, Inc. d/b/a Purlend | Clarity Engine Skill Dependency Map v1.0