Title block · Formal system for credit agreements

Compile first.
Reason second.

DAC turns high-stakes credit agreements into machine-computable behavioral models so CLO managers and credit teams can surface adversarial liability-management routes — and see what the document actually permits before capital is at risk.

Γ ⊢ φ·From the premises Γ, the conclusion φ follows.

Fixed-fee diagnostic across 50–100 credits. Designed to prove portfolio structural coverage, then convert to a coverage license.

Operator set

  • Must / Obligation
  • May / Permission
  • Cannot / Prohibition
  • Contrary-to-duty
  • Defeasible implication
  • Does not prove

§1 Method

A formal system with a company attached

Not an AI wrapper on PDF text. ClauseFlow compiles the rule system first, then reasons over structure with deterministic validation gates.

  1. 01

    Ingest

    Credit agreements enter as documents. Stable identifiers attach to clauses before any model is asked a question.

  2. 02

    Compile

    The compile engine builds a clause tree and Agreement Behavior Graph: parties, permissions, duties, exceptions, thresholds, events, dependencies, evidence.

  3. 03

    Reason

    Frontier models reason over the compiled graph — not raw PDF prose — and emit ROUTE objects with outcomes, enabling provisions, and missing protections.

  4. 04

    Validate

    Deterministic gates check grounding, structural invariants, reference resolution, and chain completeness. The model is never the source of truth.

§2 Claim

From the four corners, this route follows

The turnstile is not decoration. In logic, Γ ⊢ φ means the conclusion is entailed by the premises. That is exactly the product: from the agreement as written, which adversarial paths are open, and which protections fail to follow.

Color only marks logical state — assert, defeat, discharge, structure. Marketing cannot drift into gradient-and-glow startup costume because the system will not allow a color that does not mean something.

Live today · per document

  • Ingest, compile, structural parsing, reference resolution
  • Adversarial-mechanics classification and ambiguity detection
  • Vulnerability scoring via missing-blocker analysis
  • Evidence-linked ROUTE output for expert review

Beachhead priority · not yet live

Portfolio query and cross-document aggregation — the layer that makes institutional memory and coverage licensing real for a CLO book. Per-document depth is shipping; portfolio scale is the next load-bearing product surface.

§3 Findings

Findings as sequents

Every finding carries a one-line formal statement above the prose. The formal line is something no reorg deck and no generic LLM wrapper can print honestly.

Finding 0019

Γ ⊢ prime(MinorityLenders) ∧ Γ ⊬ P(block(MinorityLenders))

Missing-blocker analysis: an unrestricted subsidiary path can release liens without a protection that follows from the four corners.

Not derivable

Historical note

Γ_orig ⊢ pathway(Serta-style uptier)

Backtested on six landmark LME situations using origination-era text. The structural pathway later became economically significant — finished historical evidence, not a production recall claim.

Historical result

Product posture

output ⊢ reviewable first pass

Every claim stays checkable against the compiled graph and source text. The product is built to be reviewed, not believed.

Contractual posture

§4 Audience

Built for the people who underwrite the book

CLO credit & portfolio teams

Beachhead users and economic buyers. Portfolio-scale structural questions across hundreds of credits are the demand signal already observed.

General Counsel as gate

Security, document permissioning, isolation, retention, and data-flow answers are part of the offering — not afterthoughts for procurement.

Credit PMs more broadly

Same core product expands to loan funds, BDCs, and insurance credit books once the CLO production load is real.

§5 Correspondence

Request a fixed-fee portfolio diagnostic

Fifty to one hundred credits. Same order of money as a per-deal pilot, structured to demonstrate portfolio coverage rather than teach transactional pricing. Founder-led; security package ready for GC review.