A mortgage broker quotes a rate and gets it countersigned in 90 seconds.
1.10 joules.

Borrower facts arrive as a typed object: gross_income.last_2y, employment_status (from TrustOS VC), tradelines (Equifax soft-pull, SOAP 5.4), target_purchase = $640,000, target_down = 20%. 1,840 sqft Davis CA property already resolved to APN 044-238-021 via TerraOS.

Playbook residential.30y.conv runs: PITI ≤ 32% gross, DTI ≤ 43%, LTV ≤ 80%. Indicated product: 30-year fixed conventional at par + 0.5 point. Sized loan $512,000, monthly P&I $3,442. Decision tree, not opinion — every node logs which fact it consumed.

Escrow: First American @ $1,840. Title: Old Republic @ $1,420. Inspection: WIN Home Inspection @ $625. Each vendor publishes a typed schedule with SLA, jurisdiction coverage, and an issuer DID. The selection logs the alternates considered and why each accepted vendor dominated.

TILA-RESPA Integrated Disclosure 1003-A: page 1 loan terms, page 2 itemized origination + services, page 3 calculating cash to close + APR + TIP. All 47 LE fields populated from upstream receipts; no manual data entry. Form version Reg Z 2024-12.

Every closing-cost line is tagged to its general-ledger bucket and to the borrower's tax category — IRC §163(h) deductible interest, §1031 if applicable. TEM:on means the deal closes with the audit trail already in place; Veritas later reads the ledger as input, not as cleanup.

ESIGN Act (15 USC §7001) + UETA envelope. Two signers, four required signatures + three initials. Each field bound to a specific page coordinate hash so post-hoc re-rendering can't move a checkbox. Audit trail includes IP, user-agent, time-of-consent, and authentication acr from TrustOS.

Both signatures cleared in 88 seconds wall-clock. The countersigned envelope re-emits with the field-bound signatures + a transparency-log anchor (Rekor index 17,421,062). The signed PDF is the receipt; the receipt is the PDF.

Quote QT-2026-9241 binds at effective_at 2026-05-23T18:42:11Z. ComplianceOS picks it up for AC-2 evidence. Settlement picks it up as the cash-leg precondition. The quote is no longer in the broker's head; it's in the receipt log.