Help shape the protocol for AI-mediated credit journeys.
ACBP is being built in the open, with industry input. ClearScore is the reference implementation — not the sole author. The protocol is stronger when the people who will use it help design it.
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Who should get involved
- Commercial teamsAt lenders and brokers — understanding the channel, what it means for distribution strategy, and what you'd need to participate confidently.
- Technical teamsAt lenders and introducers — CTOs, chief architects, and integration leads who can engage with the protocol directly, identify implementation requirements, and help shape what comes next.
- AI providersBuilding assistants that will have financial conversations, and who need to understand exactly what the protocol requires of them.
- Regulators and policy teamsWho need a clear, inspectable model for accountability in AI-mediated journeys.
- Standards bodies and compliance expertsWho can stress-test the framework and help ensure it works across markets and regulatory contexts.
What we need input on
The protocol is not finished. These are the areas where industry input matters most right now:
Journey patterns
What does an AI-mediated credit journey look like across different products and markets?
Consent and disclosure gates
Do the gate definitions work across your context?
Audit trail requirements
What needs to be in the record for you to trust an AI-originated application?
Trust levels
Does the high/medium/low trust model reflect how you'd actually approach this?
Implementation
If you were integrating today, what would the blockers be?
Status
ACBP is in active development and is intended for industry feedback and input. The protocol is functional and published — v0.3 whitepaper and v0.4 technical implementation are live on GitHub. This is the stage where your input shapes what comes next.
ACBP is a domain-specific protocol for regulated credit broking. It is designed to work alongside general agentic communication standards — AI assistants connect to brokers using whatever underlying protocol their platform supports.
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