Scopes, Approvals and Records: Designing Consent for Personal Agents in Mortgage and Banking
A technical walk through the consent layer of the Personal Agent Protocol draft 0.3 — delegated sign-in, scopes and scope hints, operations with terms and expiries, approval records and token lifetimes — and how a mortgage lender or a bank would map its own consequential actions onto it: credit pulls, rate locks, application submission, transfers, payment plans and disputes.