◇ Mavvrixx Agent Protocol — MAP v2.1 — Tool #20 v8.0 FINAL

The Governed Agentic Rails for
Independent Worker Finance

MAP is the consent-enforced, policy-governed protocol layer by which any AI agent can access Mavvrixx’s financial intelligence stack — identity, income, insurance, and fulfilment — for 1.57 billion independent workers.

Any AI agent. Any platform. One governed protocol.

Get your API key ← mavvrixx.ai Partner Program

Call indieshield.signal via MCP in 4 lines

// Any MCP-compatible AI agent — Claude, Agentforce, SAP Joule, your own
POST https://mavvrixx.ai/api/v1/mcp
{
  "method": "tools/call",
  "params": {
    "name": "indieshield.signal",
    "arguments": {
      "indieId": "IID-A7X92K4P",
      "consentToken": "ctk_ins_...",
      "tier": "insurance_standard"  // $65/query
    }
  }
}
// Returns: vocation risk class, income stability, coverage inventory, gap flags

Architecture

The Three-Layer MAP Stack

MAP is not an API. It is a governed protocol — three structurally distinct layers that enforce policy, orchestrate intelligence, and execute financial tools with consent at every step.

LAYER 1

🔒 Mavvrixx Consent Shell — Policy Enforcement

Worker-issued consent tokens enforce what data flows where, for what purpose, for how long. Use-case scoped schemas ensure a lending token cannot access insurance fields — structurally, not contractually. Every query is logged, audited, and visible to the worker in real time. Workers can revoke any active consent token with immediate effect.

Worker-issued tokens Use-case scoped schemas Real-time audit Instant revocation FCRA-aligned GDPR-compliant

↕

LAYER 2

🧠 Mavvy Orchestration Layer — Governance

Mavvy™ routes tool calls, validates consent at each step, dispatches the right tool for the right purpose, and enforces protection-priority sequencing via the Gap Engine DAG. 12 worker archetypes inform every decision. The orchestration layer is the AI Control Tower equivalent — governing which agent fires, when, and with whose consent.

ReAct loop 12 archetypes Gap Engine DAG Consent validation Tool routing

↕

LAYER 3

⚡ Specialized Financial Tools — Execution

13 purpose-built financial intelligence tools. Three B2B revenue tools for carriers, lenders, and verifiers. Ten member-tier tools for platforms embedding Mavvy for their workers. Tool #20 v8.0 FINAL: Analyzes documents across 8 life domains — tax, health, banking, legal, credentials, insurance, retirement. Global coverage: 31+ countries. Returns structured analysis, Vault field updates, and Mavvy’s actionable summary. All tools available via MCP 2024-11-05 (JSON-RPC 2.0 + SSE) and ACP adapter for enterprise AI systems.

indieid.verify indiescore.signal indieshield.signal ✦NEW catalog.quote brain.chat vault.get + 5 more

Tools

The 11 MAP Tools

Three B2B revenue tools. Nine member-tier tools. All available via MCP JSON-RPC 2.0. B2B tools require a partner API key and a worker consent token.

Tool	Capability	Auth	Price	Who uses it
indieshield.signal NEW	Insurance underwriting signal — vocation risk class, income stability, coverage inventory, gap flags, risk signals	API Key + Consent Token	$35–$95/query	Carriers, MGAs, insurtechs
indieid.verify	Verify IndieID™ credential — identity depth, KYC status, badge number	API Key	$65/query	Landlords, platforms, background screeners
indiescore.signal	Income confidence signal — tier, band, stability, platform tenure	API Key + Consent Token	$75/query	Lenders, EWA, neobanks, telcos
brain.chat	Full Mavvy™ AI conversation — archetype-aware, vault-connected, gap-surfacing	Member JWT	Subscription	Member / platform embed
vault.get	Read Vault summary — coverage inventory, score factors, connected sources	Member JWT	Subscription	Member / platform embed
vault.addDocument	Add document to Vault — tax returns, platform statements, KYC docs, insurance policies, credentials	Member JWT	Subscription	Member / platform embed
vault.analyzeInsurance v7.0	Insurance policy deep-parse — carrier, coverage limits, IndieShield™ gap analysis, Allstate product mapping, renewal alerts. Handles GL, E&O, BOP, home, auto, renters, life, disability, umbrella. Output: `insurance_analysis` with `indieshield_gaps[]`, `renewal_alert`, `vault_fields[]`. Global norms: US / GB / CA / AU / IN.	Member JWT	Subscription	Member / platform embed
vault.analyzeRetirement NEW v8.0	Retirement & long-term savings deep-parse — account balance, YTD contributions, fee drag calculator, retirement gap analysis, country-specific account recommendations. Handles IRA, Solo 401(k), SEP-IRA, pension, Social Security, RRSP/TFSA (Canada), SIPP/ISA (UK), Superannuation (AU), NPS/PPF (India). Output: `retirement_analysis` with `retirement_gap_analysis`, `fee_drag`, `country_recommendation`, `vault_fields[]`. Global coverage: US / CA / GB / AU / IN.	Member JWT	Subscription	Member / platform embed
indiescore.get	Full IndieScore™ breakdown — 5 factors, tier, next improvement actions	Member JWT	Subscription	Member
catalog.list	Browse product catalog — carrier-matched, archetype-filtered	Member JWT	Subscription	Member / platform embed
catalog.quote	Get live product quote — carrier API, pre-filled from Vault data	Member JWT	Commission on bind	Member / platform embed
recommendations	Personalised product ranking — DAG-sequenced, gap-first, archetype-aware	Member JWT	Subscription	Member / platform embed
user.profile	Get/update member profile — vocation, country, name, preferences	Member JWT	Subscription	Member / platform embed

New Tool — Insurance

indieshield.signal — Carrier Grade

The first consent-gated, real-time insurance underwriting signal for independent workers. Plug directly into your carrier rating engine. No manual application. No KYC rebuild.

Standard tier response ($65/query)

{
  "indieid": "IID-A7X92K4P",
  "identity": {
    "verified": true,
    "depth": "government_id_biometric"
  },
  "vocation": {
    "category": "freelancer_digital",
    "physicalRiskClass": "low",
    "clientDependency": "multi_client",
    "platformDependency": "none"
  },
  "income": {
    "band": "5000_9999",
    "stabilitySignal": "high",
    "tenureMonths": 18,
    "platformCount": 3
  },
  "coverageInventory": {
    "health": "active",
    "professionalLiability": "active",
    "disabilityIncome": "none",
    "life": "none"
  },
  "indieScore": {
    "tier": "Proven",
    "band": "61-80"
  }
}

Three pricing tiers

insurance_lite	$35/query	Vocation + income band + tier
insurance_standard	$65/query	Full schema (default)
insurance_deep	$95/query	+ risk signals + gap flags

What makes this different

✓ Coverage inventory — what the worker already holds. Eliminate duplicate offers. Identify real gaps.

✓ Vocation risk class — derived from gig-native taxonomy, not SOC codes built for payroll workers.

✓ Real-time income signal — bank-verified, not self-reported. Captures volatility credit bureaus miss.

✓ Consent-gated — worker controls exactly what the carrier sees. FCRA-aligned. Not a consumer report.

✓ No KYC rebuild — Persona-verified identity returned in the signal. You don’t re-do what we’ve already done.

Privacy & Trust

The Mavvrixx Consent Shell

MAP enforces data minimisation at the protocol level — not through contracts. Workers control exactly what flows, to whom, and for how long.

Use Cases

Who Uses MAP

Any AI system that serves independent workers can call MAP tools — with consent, at query-time cost, with no infrastructure to build.

🛡

Insurance Carriers & MGAs

Call indieshield.signal to get carrier-grade underwriting pre-fill. Better loss ratios. Zero KYC rebuild. Plug directly into your rating engine.

$35–$95/query

🏦

Lenders, EWA & Neobanks

Call indiescore.signal for income underwriting of independent workers. Better decisions on gig-earned income than any credit bureau signal.

$75/query

🏠

Landlords & Proptech

Call indieid.verify to confirm IndieID™ credential before lease approval. Income band + identity depth in one call.

$65/query

📱

Gig Platforms & Marketplaces

Embed Mavvy’s full intelligence stack for your workers. Surface gaps, quote products, drive engagement. Earn rev-share on every bind. Member-tier tools included in platform licensing.

Partner licensing

🤖

Enterprise AI Systems

Claude Desktop, Salesforce Agentforce, SAP Joule — any MCP/ACP-compatible AI assistant can call MAP tools. Serve independent workers’ financial needs without building any infrastructure.

Per-query metered

🔍

Background Screeners

Call indieid.verify for employment and platform verification. The Equifax Work Number equivalent for gig economy workers — but worker-controlled and consent-gated.

$65–$105/query

Positioning

MAP vs. the Horizontal Rails Players

On May 5, 2026, NVIDIA and ServiceNow announced Project Arc — a governed agentic architecture for enterprise IT. MAP is the same architecture for independent worker finance. With one critical difference.

Dimension	NVIDIA OpenShell + ServiceNow	Plaid / MX (Data APIs)	Mavvrixx MAP
Data layer	No proprietary data	Provider’s bank data	The Vault™ — 116-field living data twin per worker
Consent model	Enterprise policy rules	OAuth-style access tokens	Worker-issued, use-case scoped, auditable tokens
Data minimisation	Access control only	Scope controls resource access	Structurally non-overlapping schemas per use case
Domain	Horizontal enterprise IT	Bank data aggregation	Independent worker finance — vertical, defensible
Billing model	Platform licensing	Flat/tiered API	Atomic per-query metered (Stripe)
Worker audit	Enterprise logging	System logs only	Worker-visible real-time dashboard
Insurance signal	None	None	indieshield.signal — coverage inventory + vocation risk class + income volatility

ServiceNow governs workflows. NVIDIA provides compute. Neither owns the financial profile of the independent worker. Mavvrixx owns The Vault — the rails and the data are the same company. No horizontal rails player can replicate this without building the worker-trust relationship from scratch.

The Governed Agentic Rails forIndependent Worker Finance

Start Building on MAP

The Governed Agentic Rails for
Independent Worker Finance