DEFERRED 2026-05-01T18:30 per phase-fit reversal. This memory file records the Λ.η ★ lock but the lock has been DISCARDED. Trigger-event detection was prematurely framed as Phase 3 work; correct phase is Phase 6 (per-brand integration — IW + MFI). The original content below is preserved for forensic continuity + re-use when Phase 6 opens. Do not act on this memory’s recommendations as if locked.
Outcome: Rich-locked Λ.η ★ on 2026-05-01T17:30 BST.
A-numbered amendment: A-145 (Tier-1 arch-state v3.30 → v3.31).
SECOND consecutive ζ.2 above-threshold decision (after Σ.μ.ε.5 vs Σ.μ.ζ 0.28; now Λ.η vs Λ.β 0.63 — strongest sensitivity result since ζ-Q9 0.62).
Tiered architecture mapping:
- MFI Level-0 Living Monitoring £5-10/mo (memory-preserved): annual reminder + commercial address-change + Open Banking proxies
- IW Lite £10/mo: continuous trigger-event updates baked in (annual prompt + life-event email)
- IW Standard £15/mo: + commercial address-change + 1hr/yr async solicitor + e-signing BoldSign + 12-mo storage
- IW Premium £25/mo: + Open Banking via TrueLayer/Yapily + HMLR Business Gateway + DVLA VES + 2hr/yr live solicitor + lifetime storage + InheritKitBench-validated authoring
- IW Family £35/mo: + multi-generational up to 4 family members + selective OPG public-web-form + MFI Level-0 -£3/mo cross-brand discount
- B2B Steady-State+ partner-firm tier: + bilateral webhook ingestion + per-matter signoff workflow
Critical external constraint: UK Home Office Life Event Verification (LEV) API EXISTS but is HM-Government-only; TT cannot directly access. Petition Phase-2+ richard-task #219 (18-36 month process).
A-113 sovereignty preserved via DO-per-user topology (per A-143). TPP aggregators (FCA-authorised TrueLayer/Yapily) data flows through their infrastructure into TT-controlled DO. Anthropic SDK egress NOT required (Cloudflare AI Gateway + Haiku 4.5 for notification copy generation only).
UK GDPR per-tier consent escalation: Lite minimal email-only / Standard address-monitoring / Premium Open Banking PSD2 + HMG-API consent / Family multi-member / B2B bilateral. Storage limitation subscription-active + 12-mo post-cancellation.
Sensitivity: 8-option scoring; Λ.η ★ 4.84 Rich-pick vs Λ.β minimal-annual 4.21. Margin 0.63 strongly above 0.20 threshold. 5/8 perturbations preserve. Λ.β wins 2/8 under maintainability+cost priority. Λ.α wins 1/8 under no-recurring-revenue ideology.
Susskind 2023 grounding: §1 more-for-less + §6 rules-as-code + “make money while they sleep” validate tiered subscription with tiered data-source depth.
5 NEW richard-tasks:
- #215 TrueLayer/Yapily AISP vendor selection (Phase-1 Sprint S4)
- #216 Royal Mail commercial address vendor selection (Phase-1 Sprint S4)
- #217 HMLR Business Gateway + DVLA VES onboarding (Phase-1 Sprint S4-S5)
- #218 Per-tier consent UX design (Phase-3 Sprint S5)
- #219 LEV-API petition (Phase-2+ initiative; 18-36 month process)
3 NEW risks: R-NEW-OPEN-BANKING-COST-SCALE + R-NEW-HMG-API-CALENDAR-BOUND + R-NEW-LEV-PETITION-LONG-TIMELINE. Risk count 41→44.
NO reversal of: A-144 Σ.μ.ε.5 ★ (Λ.η EXECUTES tier ladder); A-143 Σ.κ ★ frame; A-142 Π.θ ★; A-113 sovereignty (DO-per-user preserved); A-114 Cedar+Catala substrate; memory project_inheritwills_mfi_subscription.
Recurring revenue projection per A-144 corrected: £12.6M p.a. IW subscription ARR + £450K MFI Level-0 + £750K B2B = £13.8M p.a. recurring; £20M one-off Will Update pulse; ~£34M total ARR at Q4 2029.
Methodological observations:
- SECOND consecutive ζ.2 above-threshold decision; decisive lock with strongest sensitivity result since ζ-Q9 (0.62)
- LEV-API HM-Gov-only restriction caught pre-lock via inline web spike (validates “spikes must not be delayed” discipline)
- Tier-matched data-source depth maps cleanly to Σ.μ.ε.5 + MFI Level-0
- 19 of 20 ζ.2-related decisions remain convergent
Spike file: ~/off-github/library/projects/inherit/T-trigger-event-detection-living-monitoring-spike-2026-05-01.md v1.0.
Cascade artefacts: arch-state v3.31 A-145; IK arch-state v1.5; IAS arch-state v1.6; INDEX v2.21; new ζ-Q17 cascade file; this memory file; active-work-log; richard-tasks-tt v1.18→v1.19 with 215-219 added.
Phase 3 status: 9 Q answered + cascaded (ζ-Q9..ζ-Q17); 1 deferred (ζ-Q15-original); ζ-Q18 candidate = InheritKitBench v0.1 commitment + scope + budget.