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mini-openclaw/COLLATERAL_AGENT_GUIDE.md

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Asset and Enhancement Verification Agent

Open /collateral-workbench or enter through the shared Xingbang project workspace. It verifies lease assets, insurance, deposits, guarantees, mortgages and pledges against a versioned, published rule set.

The deterministic layer checks identifiers, ownership, registration, enforceability, period coverage, insurance coverages, beneficiary, exclusions, deductible and payout limits. It calculates conservative recovery scenarios with a configurable haircut. Asset recovery and paid deposits are the only direct recovery values in that calculation. Insurance and guarantee commitments are shown as contingent protections and are never added to asset recovery.

Evidence files are stored locally with SHA-256, page-level extracted text and references. PDF text extraction is supported; scanned pages require a configured local PyMuPDF OCR tessdata directory (XINGBANG_OCR_TESSDATA). Extraction is unconfirmed until a reviewer confirms each measure. Text, PDF, PNG and JPG files are limited to 10 MB and 40 pages where applicable.

The agent can generate an explanation through the same mini-openclaw AgentManager scoped tool path and collateral_verification/SKILL.md. The model does not approve release, change facts, close tasks or alter confirmation state. Failed model calls preserve the deterministic result.

Verification findings can be converted into Agent 3 follow-up tasks. A project plan change or source update makes the result stale and requires a new evaluation. The shared project workspace links Agent 1 through Agent 4 by project number.