Run the pilot one workflow · 13 weeks
Diagnostic through Rewire, with REWRITE Steps 1–5 in the pilot. Playback stops at each checkpoint, and at week 13 you make the call.
Phase 0
The Silver Lake org desk opens from inside the Pegasus portal. Sign in to continue.
Go to the Pegasus portal →It's the same loan as the file desk, seen from a different side. The file desk asks whether the platform can carry agents. This desk asks who decided how the loan works, and who owns it when it goes wrong. Silver Lake has made home loans since 1991. Here it rebuilds home-loan fulfillment as an Edge Twin beside the running business. Run the pilot and make the calls leadership makes.
Diagnostic through Rewire, with REWRITE Steps 1–5 in the pilot. Playback stops at each checkpoint, and at week 13 you make the call.
In ExO this is the Fiduciary Wedge: every consequential decision is chained to a named human owner. The gates came out of the task decomposition. They are what was left when the chasing moved to agents.
| Gate | Who owns it | What no agent may do |
|---|---|---|
| 1 · Rate lock | Maya, with Dev Patelborrower + loan officerborrower | Accept a lock. The agent prepares the comparison. |
| 2 · Credit decision | Sandra Okaforsenior underwriterSilver Lake | Hold approval authority, at any loan size. |
| 3 · Closing Disclosure | Maya Torresborrowerborrower | Acknowledge for her. It can explain every line. |
| 4 · Release of funds | Funding deskverified phone callbackSilver Lake | Act on changed payment instructions, ever. |
| Exceptions | Rosa Linfile stewardSilver Lake | Keep chasing past its budget. |
Two of the four gates belong to the borrower, not to Silver Lake. That's why the redesign is an org question as well as a technical one: the authority map has to say where the lender's authority stops, and no agent may act for Maya at those points.
The processor's role is broken into its tasks. Each task gets a kind (coordination, pattern, creation or judgment) and an agent-readiness score from 1 to 5. Scores of 4 and 5 go to agents now, 3s run in parallel first, and 1s and 2s stay with people. Scores are illustrative.
| Task | Readiness | Goes to |
|---|
Before any of this, the zero-based audit removed steps that were habit, not requirement: asking again for documents already received, sign-offs that added no judgment, and status reports nobody read. Subtraction came before addition.
The processors were told early that the chasing was moving to agents. Each person got an honest choice among three paths.
Stay in place and take on the work that needs a person. Rosa Lin became the file steward: the agents handle the ninety emails, and she handles the one call.
Join the twin, or move into the core business as it modernizes. Prequal exceptions are next.
Paid for from a reserve set aside in Phase 0, before the pilot started, not found afterward.
The success criteria were signed before the parallel run.
These count inputs, not outcomes.