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A trusted framework for agentic finance: what changed in v1.4.0
From v1.3.0 (2026-10-20, b4ec6e4e4) to v1.4.0 (2026-10-20, d54a7ab8d), paragraph by paragraph.
5 paragraphs added, 0 removed, 0 changed in place, 62 unchanged. About 247 words added and 0 removed. Insertions are marked like this, deletions like this; unchanged runs are folded to one line; figures appear as their file names.
12 unchanged paragraphs, under In short {#in-short}
• The same day without a policy. 16 breaches; kept outside the agent, none.
37 unchanged paragraphs, under What the FCA said {#speech}, Four elements we have been writing about {#four}, A worked example: Pellbridge Bank {#example}…
The same day, with and without a policy {#levels}
The clearest way to see what a behaviour policy does is to replay the same day without one. The vault replays the 40 events five ways, with the same model choices each time; only where the rules are kept changes. With no policy, 16 breaches. With every rule in the prompt, 4 breaches and 7 near misses: the model kept most of them, this time. In hooks, 3 breaches: a hook blocks what it sees, but not a credential used outside the agent's tools, nor a hook switched off in the agent's own account. Kept by systems outside the agent, no breaches, and the agents' grants shrink, because what they may not use is taken away.
[figure pa-levels-anim.webp] The same day, five ways: no policy, in the prompt, in hooks, enforced outside the agent, and as Pellbridge is deployed. Each square is one event, coloured by what happened. | screenshot
That is the contribution, in one picture: the policy writes the rules down, and says for each one where it is kept. Writing one takes five steps, and the vault has a page that walks through them and replays the day as you change a row. Inside the Pellbridge agents has the detail, and the words, grant, mandate, delta, barrier and the rest, are all open under CC BY 4.0.
13 unchanged paragraphs, under Adopt it, or write your own as a graph {#graphs}, What this does not claim {#limits}, Where this comes from {#sources}