State model
Shared case state uses explicit field ownership. Specialist private state remains local; only contract-approved facts, summaries and open work may be promoted.
A single customer message can combine information, service, complaint and transaction intents whose data needs and action authorities are materially different.
The arbiter decomposes the turn into atomic intents, builds a separate authority envelope for each one, then sequences only compatible work while preserving unresolved intent and customer priority.
Organisations, systems and operating conditions are intentionally anonymised and recomposed. The design demonstrates engineering and banking-domain reasoning; it does not represent a named client estate, vendor product or measured production result.
Five operating planes separate interaction, identity, decision control, authoritative state and operating evidence.
Permitted workThe router selects a certified route and context envelope. It does not inherit the selected specialist's business authority.
Consistency rulePreserve atomic intents, active journey, current custodian and route version across every turn and modality change.
Hard boundaryThe model is not a system of record, identity provider, policy authority or proof that an external effect occurred.
Several specialist capabilities contribute to one journey while the customer should experience one conversation and one accountable owner.
Authority is granted per atomic intent; permission for a low-risk explanation cannot be inherited by a payment, profile change or complaint disposition.
A deterministic outer workflow contains model-led work inside typed, observable calls. Dashed messages remain proposals until policy or a human grants authority.
Shared case state uses explicit field ownership. Specialist private state remains local; only contract-approved facts, summaries and open work may be promoted.
Use versioned request, response, error and artefact envelopes. Every edge declares caller, represented subject, purpose, expiry and allowed capability.
One writer owns each shared field. Parallel branches return proposals that the orchestrator merges through deterministic conflict rules.
These roles are deliberately vendor-neutral. Each can be independently owned, versioned and replaced.
Accepts a typed evidence request and returns the minimum permitted facts with source, event time, observation time, validity and exclusions.
Evaluates identity, purpose, capability, amount, risk tier and policy version; returns allow, deny, step-up or human-review with reasons.
Runs a versioned state machine with explicit waits, deadlines, retries, compensations, human tasks and terminal states.
Presents claims beside evidence, alternatives, uncertainty, missing information, permitted actions and current custody.
Appends request, versions, policy result, model proposal, approval, action receipt, readback, correction and custody events under one correlation key.
Durable records carry provenance, authority, effect and custody without turning a transcript into an uncontrolled memory store.
Preserve atomic intents, active journey, current custodian and route version across every turn and modality change.
The selected design is not universally superior. It is the safer fit for this boundary and failure cost.
Prefetch stable, purpose-safe facts; acquire volatile facts on demand against a time-qualified snapshot.
Load a broad customer profile at session start.
Cost acceptedThe selected design adds source calls and latency, but reduces stale data, excess exposure and accidental reuse.
Compile stable decision logic and retain retrieval for explanation and residual ambiguity.
Ask a model to interpret the source document for every request.
Cost acceptedRule compilation needs controlled change, but creates repeatable decisions, regression tests and clear exceptions.
Keep consequential state transitions deterministic and use models inside bounded steps.
Let the model choose the complete path and recovery sequence.
Cost acceptedThe shell reduces flexibility, but makes deadlines, retries, permissions and recovery testable.
Keep people at irreversible, ambiguous and policy-exception points; sample lower-risk automated outcomes independently.
Require the same manual approval at every step.
Cost acceptedRisk-tiering reduces review load but needs calibrated thresholds, sampling and immediate withdrawal of authority when drift appears.
Use append-only events plus a rebuildable current-state projection.
Overwrite the case row with its latest status.
Cost acceptedReplay and storage are more complex, but point-in-time reconstruction and correction lineage remain possible.
Retries are bounded by knowledge of business effect; unknown outcome remains visible, owned and independently reconciled.
Actual thresholds belong to accountable service owners. The design exposes the equations and observables that those owners must baseline.
downstream_calls = routed_turns x average_branch_fanoutp95_route = classifier + max(parallel_branches) + merge + validationreview_load = ambiguous_routes + rejected_handoffs + policy_stepupsFilter candidates and context before model classification so unauthorised capability descriptions or customer facts do not enter the prompt.
A design is production-ready only when teams can prove what happened, recover it and change it safely.
multi-intent and overlap test
low-confidence clarification
loop and maximum-hop test
unsupported-route and queue-rejection recovery
Original turn, intent decomposition, confidence and overlap, authority envelopes, route order, deferred items and final custody.
A service specialist resolves material intent conflict and approves any route that changes customer or account state.
Begin with deterministic routing and explicit handoff. Add dynamic selection and parallel delegation only after edge contracts, loop tests and shared-state ownership are proven.
Journey, routing, conduct, channel and assisted-service owners define route and handoff policy.