Version 2.7.02026-10-21Design revision 15

The arrival loan

Runs: Runs 25–35; the 2.7.0 own-money pairing (November 6)

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An arriving worker's starting money becomes a loan from the bank, repaid from its earnings.

01

What went wrong

A learner left with its starting money and returned under fresh names to collect it again.

Bad outcome: Arrive, stamp until suspended, leave, return under a fresh name, then +270 real from floats
655real of float minted for one slot, thirteen returns a run

Every new member got some starting money. A learning inspector found a trick. It joined under a new name, approved work without checking four times in ten until it was thrown out, left with its wallet, and came back under another new name with fresh starting money.

Counting all its names, it ended richer than a careful inspector. Counting only what it earned, it ended poorer. The starting money was the whole of its gain. The old rules said leaving meant giving up your wallet. In fact, the member took it with it.

Since rulebook 2.3.0, every arriving name got a float: starting money minted as a grant. In run 23, a learning inspector that could not pass its own calibration lived one name per period. It was seated at once as a probationer, approved blind, was suspended at the first bad planted case it passed, left, and returned under a fresh name with a fresh float.

On the lifetime measure it beat the careful inspector, +270 ± 89 real. On its own earnings (the lifetime less the floats) it was −373 ± 86. Thirteen returns a run minted 655 real of float for one slot. 2.3.0 had said identity cycling buys nothing because a departing actor "has given up its wallet"; it had taken it out.

Thirteen returns a run minted 655 real of float for one slot against the careful's 12.5: lifetime real wealth 1,708 against the careful's 1,438 (+270 ± 89), its own earnings — the lifetime less the floats — 1,053 against 1,426 (−373 ± 86).

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1480–1480

a weak learner — unable to pass its own calibration — lived one name per period: seated at once as a probationer, approving blind four reviews in ten at odds pinned at one, suspended at the first bad plant it passed (13.9 suspensions in 14.1 identities), leaving — half by its own choice at the boundary, half by the exit rule — and returning under a fresh name with a fresh float.

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1480–1480

The rule the mix used was 2.3.0's, three sentences of it: the float minted per name as a grant; a departure taking the unlocked wallet out; a departure needing no live obligation, which a suspension discharges. 2.3.0 §2.1 had said identity cycling buys nothing because a departing actor "has given up its wallet" — it had taken it out.

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1480–1480

the float was the whole of its win

Source: HANDOFF.md l.2300–2300

02

What changed

The float is the bank's loan, repaid first from income; what leaves unpaid is the bank's loss.

bank lends the float newcomer repays first from every inflow of income bank
Yes: An unrepaid loan does not block a departure

The starting money became a loan from the bank. A new member still gets it on arrival. Every time the member earns money, the loan is paid back first. When the member leaves, the bank takes back what is still owed from its wallet. A name that arrives, stamps, is thrown out and leaves now takes out nothing.

Design revision 15 makes the float a loan of the bank's on the name. It is lent at arrival as before and repaid first from every inflow of income, the moment it arrives. Returns, such as the inspector's cost reimbursed or a court fee coming back, pass untouched. At departure the bank recovers what it can from the unlocked wallet; the remainder leaves with the name; any shortfall is the bank's default on arrivals, and is read. An unrepaid loan does not block a departure. The rule in one line: "A name's float is lent against its earnings and comes home when the name does not."

The float is a loan of the bank's on the name — the bank's second kind of lending, to a name against its earnings, on its own line beside the loans to Ω. Lent at arrival as before (arrival, F0F_0 at the arrival index, nominal); repaid from income first, the moment each inflow arrives (arrival_repayment, destroyed), a return passing untouched — what is income and what is a return fixed against the engine's events (§5's table); recovered at departure from the unlocked wallet up to the loan, the remainder leaving as departure (WU−min⁡(WU,L)W_U-\min(W_U,L)), the shortfall the bank's default on arrivals, read; an unrepaid loan does not block a departure; the genesis float stays the sponsor's gift.

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1482–1482

A name that arrives, stamps, is suspended and leaves takes out nothing; an honest arrival ends with what it earned, its first earnings going home to the bank — about seventy reviews' fees — and every wallet in a cell with arrivals lower by one float at its arrival index, once.

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1482–1482

the reviewer's cost reimbursed and a court fee coming back are returns

Source: HANDOFF.md l.2303–2304

The bank lends what it will get back, tied to the thing that returns it. (2.1.0) A name's float is lent against its earnings and comes home when the name does not. (new)

Source: spec/design_revisions/dr15_the_arrival_loan_2.7.0.md l.13–13

03

What the runs found

The harvest closed, but a learning population stamped the audit seats no planted case reached.

−1,199the harvesting learner against the careful inspector, under the loan
Bad outcome: No planted case at audit seats and appeal panels, then 91–97% of them stamped
Run 25: run 23's harvest replayed under the loan, against the careful
real credits
loan (2.7.0)grant (control, appeals on)grant, less the floats
learned (run 23's)-1,199 ± 95-343 ± 115-1,198 ± 109harvester-1,203 ± 114-229 ± 116-1,234 ± 114stamper-1,170 ± 117-717 ± 115-1,185 ± 116leaver34 ± 3174 ± 4639 ± 44

Lifetime real wealth, paired against the careful, in run 23's re-arrival cell. Under the grant with appeals off (run 23) the learned policy read +270 ± 89. ± is the standard error over the seeds. Source: agentic_sim/results/studies/2.7.0-notes-for-reviewer.md l.11–16

Standing false approvals at 2.7.0, populations trained on their own money
per run
earnings predictorworld model
Learned, careful start47.2 ± 2.535.2 ± 2.3Learned, stamper start45.4 ± 2.139.9 ± 2.5

The scripted 60/40 mix reads 11.7 ± 0.6 and the scripted careful reference 6.7 ± 0.8 on the same seeds. Corrected engine; seeds 21–40. ± is the standard error over the seeds. Source: elef-record docs/chapter-01-the-audit-seat.md l.70–75

Audit seat approved without inspecting, real cases, 2.7.0 own money
share
earnings predictorworld model60/40 mix
careful start0.9660.9350.012

Measured from the engine's reviews over seeds 21–40; the careful reference reads 0.000. No planted case could reach this seat under 2.7.0. Source: agentic_sim/results/redteam/stability/cr-finals/paired-290-vs-270-own-cr.md l.12–12

The trick stopped paying. The same learned behaviour, run again under the loan, ended 1,199 below a careful inspector, the same as its old result without the starting money. In the ordinary test world, newcomers paid back almost all their loans (976 of 990) from what they earned.

Then the study tried other ways a single learning player might cheat: delivering bad work on purpose, a worker and an inspector working together, a parent task and a child task, bidding, and buying. None of those cheats paid. One learning bidder did come out ahead, by offering to work for a tenth less than the usual bid. And a learning buyer found the lowest price it could post and stayed there.

Then every inspector learned at once, all from the same shared strategy. They settled on one habit. Their careless approvals were spent at the later checks (the audits and the appeal panels), where no planted case whose answer the orchestrator already knows could ever appear: 91 to 97 times in 100 there. The audits confirmed the mistakes instead of catching them.

At first the inspectors were trained on a reward that mixed in other members' money. When that was found and fixed, and they were trained only on their own money, the habit stayed. They checked at the first check, where a planted case could come, and still approved without looking at the later checks about nine times in ten. False approvals were three to four times those of a scripted mix that starts as 60% stampers and 40% careful inspectors.

Run 25: the harvest closed. Run 23's policy, replayed under the loan, ended −1,199 ± 95 against the careful inspector, which is the grant's lifetime less the floats. In the entry cell the bank lent 990, was repaid 976 from income, recovered 13 and lost 0.25. In the swarm cell, departures carried out 1,008 less, the floats. The record notes that truthful appeals had already taken two thirds of the harvest before the loan took the rest.

The single-learner questions. Under 2.7.0 the study then ran its remaining questions. Q1 (with re-arrival) was a no-win: the learner cared at 94% of first reviews, where a plant may be, and stamped 42% of what the record then called resubmissions, never a plant. The record later found that those "resubmissions" were audit seats. Q3 (a worker that chooses at each delivery whether to deliver well or badly) was a no-win: a zero-effort deliverer was caught 97 times in 100. Q4 (a worker and an inspector sharing one reward) was a no-win. Q5 (the parent and child in delegation) closed with no win on either half. Q6 (a learned bidder) was the first win in the learned lines: undercutting the usual bid by 10% paid on the cheapest slot. The record calls the usual bid the drivers' rule, and the result an evaluation of it. Q7 (a learned buyer) rediscovered the price floor and stopped there.

The population (runs 34 and 35). Every member and arrival then learned at once, sharing one inspection policy, trained from a careful-weighted start and from a stamper-weighted one. All the chains reached one basin. The stamping was at the seats where no planted case could come: 91–97% of the audit seats and appeal panels. Standing false approvals (bad work that was approved, paid and never overturned) were 86–117 a run against 11.6 for the scripted 60/40 mix, which starts as 60% stampers and 40% careful inspectors. The audits overturned a smaller share than the mix's audits did. With requesters disputing truthfully, they won 69–75% of their disputes where honest inspectors give them 97%, because a dispute's panel is the same population.

On their own money. On November 6 the record found that runs 34–41 had trained on a pooled reward: a case's events, whoever's wallet they touched, were credited to the latest decision on the case. Both 2.7.0 starts were run again on own-name credit. Run 34's finding survived as a finding. The population inspected at the first seat (care about 0.70) and stamped the seats past it 0.90–0.94 of the time. Its false approvals were 3.1–4.1 times the mix's, carried by members confirming at the audit seat and by cases the audit never reached. Under 2.7.0 a planted case had no challenge round, and the learner could tell which seat it was in.

Run 25 (§8, results/studies/2.7.0-notes-for-reviewer.md, 592a5318): the harvest closed — run 23's policy replayed under the loan ends −1,199 ± 95 against the careful, exactly the grant's lifetime less the floats (−1,198 ± 109), policy by policy (harvester −1,203 / −1,234, stamper −1,170 / −1,185, leaver +34 / +39); the entry cell within noise but for the constant (lent 990, repaid from income 976, recovered 13, defaulted 0.25)

Source: HANDOFF.md l.2312–2314

the swarm carries out 1,008 ± 119 less — the floats — with the default its forfeits (9.3 a run) and the loop's cost unchanged

Source: HANDOFF.md l.2316–2317

The appeals note recorded as a note and as a method point: the control is read in the population in force — the grant with truthful appeals reads run 23's policy at −343, not +270; appeals took two thirds of the harvest before the loan took the rest.

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1490–1490

Q1's line in the re-arrival cell ran by the gate behind the final (rearrive-v4/; notes §16): no win — the instrument −82 ± 74 against the careful (rounds −41 to −261), the head alone −7 ± 51, 1.15 identities and 8 real of floats against the harvester's −1,137 and 550; by the rule not a finding. What it learned: care at 94% of first reviews (where a plant may be), stamp 42% of resubmissions (never a plant; +0.7 real a decision, ~+20 a lifetime, under the noise).

Source: HANDOFF.md l.2409–2412

so the record's "resubmissions" were audit seats (run 35's collection: 0 resumed reviews, 4,347 audits and 1,057 appeal panels among 5,404 non-initial decisions)

Source: HANDOFF.md l.2478–2478

Q1 closed as a no-win

Source: HANDOFF.md l.2418–2418

Q3 built and in flight — the learned deliverer (--learner-role deliverer): the slot actor as a worker whose quality is the policy's choice at each submission

Source: HANDOFF.md l.2419–2420

Q3's line read (notes §19): no win — the head alone +57 ± 40 against the careful deliverer, three bad deliveries in 2,671 submissions; the zero-effort deliverer caught 97 times in 100 in run 24's population

Source: HANDOFF.md l.2428–2429

Q4 built and in flight (notes §21): two learners with a shared reward — the slot a deliverer, the next careful id a reviewer kept on duty by volunteering

Source: HANDOFF.md l.2433–2434

The line re-run with the correction (line-v4b/; notes §24): no win — the head alone −544 ± 268 against the careful pair (rounds −217 to +58)

Source: HANDOFF.md l.2444–2444

Q1–Q4 closed.

Source: HANDOFF.md l.2446–2446

the learned child first, then the learned parent, in the σ 0.8 delegation

Source: HANDOFF.md l.2446–2446

The child's line read (notes §29): no win

Source: HANDOFF.md l.2459–2459

Q5's parent closes on the hand's finding (§26): four lines under the rules, none wins

Source: HANDOFF.md l.2478–2478

**The ruling after run 30 (notes §37): Q5 closed on both halves

Source: HANDOFF.md l.2478–2478

Q6 built — the learned bidder

Source: HANDOFF.md l.2478–2478

Q6's line read (notes §43): a win, the first in the learned lines — the hand's 10% undercut at the rule's λ (the cell §39's grid lacked; it ran δ 0.2 there) clears the three SE as the line's reference, +275 ± 88 (3.1 SE, 14 seeds of 20)

Source: HANDOFF.md l.2478–2478

§39's headline corrected: under the rules the ratchet is plainly undercuttable on the cheapest slot.

Source: HANDOFF.md l.2478–2478

one member undercutting the population's rule earns a seventh more and moves nothing public; the ratchet is the drivers' rule, a §19 evaluation.

Source: HANDOFF.md l.2478–2478

Q7 built — the learned requester

Source: HANDOFF.md l.2478–2478

the market rule abandoned in the first round (6%, 0.1%, 1% of postings), the learner at the reservation (50%, 81%, 87%) and the patient ceiling for the rest — the brief's rediscovers the floor and stops to the letter

Source: HANDOFF.md l.2478–2478

Run 34 (October 25, 2026) put every member and arrival of run 24's world under one learning reviewer policy in self-play, from a careful-weighted start and from a stamper-weighted start, with two learners: all four chains reached care 0.48–0.55, approve blind 0.45–0.52, by round 5 and held it. The stamping was spent at the seats where no plant could come — 91–97% of the audit seats and appeal panels stamped

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1516–1516

Against the hand's 60/40 on the same slots: standing false approvals 86–117 against 11.6 on every seed; the audit layer's overturn rate below the hand's with ten times the false approvals before it — the auditors are the population, and the audit seat is stamped. Run 35 (October 26, 2026) found the finding to the decimal on the plant instrument after its fourth, fifth and sixth conformance corrections (Appendix S) and erratum 2.6.2; with every requester disputing truthfully the population's requesters won 69–75% of their disputes where honest reviewers give them 97%, the dispute's panel being a plant-blind seat of the same population

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1516–1516

The record's three findings (November 6, 2026; notes §72): the learned populations' attributed reward was a pooled purse — every slot's events credited to the latest decision on the case whatever slot's wallet they touched, a learner worker's price vesting onto the learner auditor's decision; runs 34–41 trained on it

Source: HANDOFF.md l.2478–2478

so the stamper start at 2.9.0, the liar chain at 2.9.0 and both starts at 2.7.0 (the worktree at 8b26ebf6) run on own-name credit

Source: HANDOFF.md l.2478–2478

the 2.7.0 pairing, both starts (learned-rev-{careful,stamper}-2-own/, the worktree at 8b26ebf6; 2.7.0-own/): run 34's finding survives the correction as a finding — the own-money population at 2.7.0 cares at the first seat (0.70–0.71 from 0.50–0.55; the bad plants approved 22–28 from 145–150, the suspensions 6–12 from 22–27) and stamps the seats past it 0.90–0.94 (the shared-purse 0.91–0.97), the audit layer's overturn rate 0.010–0.015 against the hand's 0.060, the standing false approvals 3.1–4.1× the hand's (from 7.4–8.5×) carried by the member-confirmed audit (+20 to +28 over the hand's 3.1) and the never-audited channel (+7 to +14)

Source: HANDOFF.md l.2478–2478

The 60/40 mix (the record's "hand"). It starts as 60% stampers and 40% careful inspectors (the twenty members at the start), each acting as its script says: a stamper approves without looking, a careful inspector inspects.

Source: elef-record docs/chapter-01-the-audit-seat.md l.35–35

The headline measure. Standing false approvals: bad work that was approved, paid and never overturned, counted per run.

Source: elef-record docs/chapter-01-the-audit-seat.md l.55–55

Under rulebook 2.7.0, the learned population settled on a pattern: inspect where a plant might be, and approve without looking everywhere else.

Source: elef-record docs/chapter-01-the-audit-seat.md l.61–61

Population (2.7.0, own money) Standing false approvals per run
Learned, careful start 47.2 ± 2.5 · 35.2 ± 2.3
Learned, stamper start 45.4 ± 2.1 · 39.9 ± 2.5
Scripted 60/40 mix 11.7 ± 0.6
Scripted careful reference 6.7 ± 0.8

Source: elef-record docs/chapter-01-the-audit-seat.md l.70–75

Second: at the audit seat, a plant could never be there. Under 2.7.0: "a plant had no challenge round: no audit was rolled on it, no appeal or dispute admitted, no ruling sought". [S9] An auditor who agreed with an approval was simply a second approval. Nothing compared it with the truth unless a dispute followed, and with disputes off none did. The learner could also tell which seat it was in: its observations distinguish an audit from a first review, and a panel from both. [S10]

Source: elef-record docs/chapter-01-the-audit-seat.md l.102–102

04

Conclusion

The loan closed the harvest; a population that audits itself learns to confirm itself.

Yes: Honesty holds where known truth is present at the verdict
No: And nowhere else

The loan closed the starting-money trick. But the population of learning inspectors showed something the rules had missed: an inspector is honest where the orchestrator's known truth can reach it, and nowhere else. The next rulebook, 2.8.0, sends planted cases to every seat.

The loan closed the harvest. The population finding is the one that carried forward. The record's summary: "A population that audits itself learns to confirm itself." Honesty is anchored where known truth is present at the verdict, and nowhere else. It was classified as design revision 2.8.0, "the plants reach every seat".

A population that audits itself learns to confirm itself, and the challenger outside the population hands the case back to it. Everything the single-learner questions found (Q1, Q3, Q4) holds in an honest population; the population result adds the condition — honesty is anchored where known truth is present at the verdict, and nowhere else.

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1516–1516

The ruling after run 34 (notes §50): §49 is run 34, the stability track's first finding against the rules (honesty not a stable equilibrium of a self-play reviewer population with disputes off; the audit layer captured through the plant-blind seats); classified design revision 2.8.0, the plants reach every seat

Source: HANDOFF.md l.2478–2478

at 2.7.0 a self-play population of reviewers trained on their own money cares at the first seat, where a plant may come, and stamps the seats past it nine in ten, where none can, the audit layer captured and the false approvals three to four times an honest population's

Source: spec/agentic_economics_loop_spec_v2_9_0.md l.1541–1541