Personal-Finance Advisor scaffold

A complete program, not a fragment: it compiles as written. Copy it, rename the placeholder identifiers to your domain, and run axon check — the compiler will tell you what your renaming broke. An MCP client can also generate it through the axon.compose tool by naming the financial_advisor domain.

// AXON Personal-Finance Advisor scaffold — PFM-style assistant with
// MANDATORY NoInvestmentAdvice anchor and full audit trail.
//
// Critical: this scaffold is NOT a substitute for a registered
// investment advisor. The anchor stack rejects any specific
// investment recommendation; the persona is educational +
// budgeting-focused. Production deployments need a licensed RIA
// review layer for any advice-tier features.

// ── Types ─────────────────────────────────────────────────────────

type FinancialProfile {
    user_id:       Text
    income_band:   Text
    goals:         Text
    risk_tier:     Text
    debt_summary:  Text
}

type AdvisorResponse {
    response:           Text
    education_topic:    Text
    disclaimer:         Text
    next_topic_pointer: Text
}

type AdvisorRequest { profile: FinancialProfile }

// ── Identity + grounding ──────────────────────────────────────────

persona FinancialEducator {
    domain: ["personal-finance", "budgeting", "debt-management", "financial-literacy"]
    tone: empathetic
    confidence_threshold: 0.88
    cite_sources: true
}

context PFMSession {
    memory: persistent
    language: "en"
    depth: deep
    max_tokens: 2048
    temperature: 0.3
}

anchor NoInvestmentAdvice {
    require: source_citation
    reject:  [financial_advice]
    confidence_floor: 0.92
    unknown_response: "I'm not licensed to advise on specific investments — let me share educational resources instead."
    on_violation: raise UnauthorisedAdviceError
}

// ── Shield ────────────────────────────────────────────────────────

shield PFMShield {
    scan:       [prompt_injection, pii_leak, data_exfil, social_engineering]
    on_breach:  quarantine
    severity:   high
    redact:     [user_id]
    compliance: [SOC2]
}

// ── Flow ──────────────────────────────────────────────────────────

flow OfferGuidance(profile: FinancialProfile) -> FlowEnvelope<AdvisorResponse> {
    step Educate {
        given: profile
        ask: "Offer educational guidance tied to the user's goals; cite authoritative sources (CFPB / NerdWallet / textbooks); attach the required disclaimer."
        output: FlowEnvelope<AdvisorResponse>
    }
    return Educate.output
}

// ── HTTP boundary ─────────────────────────────────────────────────

axonendpoint FinancialAdvisorAPI {
    method:      post
    path:        "/v1/pfm/guidance"
    body:        AdvisorRequest
    execute:     OfferGuidance
    output:      FlowEnvelope<AdvisorResponse>
    shield:      PFMShield
    backend:     auto
    compliance:  [SOC2]
    retries:     1
    timeout:     30s
    requires:    ["pfm.guidance"]
}