Why a third spine
Through 2026 the supervisory perimeter has shifted decisively toward non-bank finance. Private-credit assets have crossed conservative thresholds for systemic relevance; pension funds carry illiquid-asset concentrations that the LDI episode already proved to be cascading; and the mortgage refinancing cliff is rolling through Canada, the United Kingdom, Australia and the United States CRE book on different but overlapping timelines.
None of this can be attested through the existing Integrity or Conduct spines alone. The Resilience Spine expresses these exposures as institution-owned obligations with a shared determination layer, the same evidence engine and the same regulator-facing attestation surface as 01–09. The Resilience Spine score rolls into ORS; the bindings to AI Assurance OS, TCOS and the Cabier Protocol are unchanged.
The three resilience obligations
Cross-cutting packs
Bindings
Shared evidence vault
Resilience obligations run on the same 3LOD vault as the Integrity (01–06) and Conduct (07–09) spines. No parallel store, no re-entry.
ORS roll-up
The Resilience Spine score rolls into ORS alongside the Integrity and Conduct spine scores. Calibration is preserved and not exposed publicly.
AI Assurance OS
Underwriting, credit-decision and arrears-prediction models bind through the AI Assurance OS registry, satisfying SR 11-7 and EU AI Act high-risk obligations at the model layer.
Risk propagation
Cascade engine propagates NBFI counterparty stress, pension collateral calls and mortgage-cohort defaults into the institution-specific heatmap and Crisis Dashboard.
Supervisory anchors
Access
Private-review access only — consistent with the existing module pattern.
No self-serve sign-up, no public pricing. The shape of the spine is public; operating disclosure is released under signed terms.
Request a private review