STAKD · AI reasoning layer

BRIK

The Keep Engine calculates the numbers. BRIK reasons over them.

STAKD · BRIK layer
Live · GPT-5.6 Sol
Synthetic user content
reasoning by GPT-5.6 Sol · math by STAKD
Step 01 — Context

Load Maya's STAKD context

Maya logs her Staks and Cuts in STAKD by hand. There's no bank connection — the app already holds a clean, structured picture of her money.

The Keep Engine calculates the numbers. The live Analyst explains them, while the remaining crew reviews them through deterministic structured logic.

History
6 local calendar months
Ventures
2 active · Northstar Studio, Maya Creative
Current goal
45% Monthly Keep Rate
This month's ledger
Built $5,400 · Cuts $3,600
Keep Engine
Context pack · deterministic ✓
Agents
Analyst · Oracle · Strategist · Guardian
Step 02 — This month

You Kept

Not what Maya earned — what she kept. STAKD's Keep Engine computes it for the current calendar month, transfers excluded.

$0
kept in this month · 0% Monthly Keep Rate▼ 0 pts
Monthly Keep Rate = (Built − Cuts) ÷ Built
= ($5,400 − $3,600) ÷ $5,400 = 33.3% · displayed as a percentage · transfers excluded
Kept · $1,800Cuts · $3,600Built · $5,400
Monthly Keep Rate · last 6 months
$5,400
Built
$3,600
Cuts
$1,800
Kept
Step 03 — Explain

Ask BRIK why

The Analyst reads the structured context and explains the change in plain language — every figure comes from Maya's synthetic logged ledger.

Analyst · reasoning over the context pack
gpt-5.6-sol · idle
Built +$400 MoM Family Cuts +$470 Food Cuts +$420 biggest Cut August Rent Reserve $1,550
● Generated live with OpenAI · GPT-5.6 Sol
Step 04 — Model

Scenario Lab

The Oracle presents simple scenario estimates from Maya's verified six-month history—not production Monte Carlo.

◆ Estimated scenario — not a prediction
Illustrative scenario · not a forecast
$0
range —
Assumptions
• current Monthly Keep Rate: 33.3%
• previous Monthly Keep Rate: 50.0%
• illustrative eased-Cuts scenario: 37.3%
• goal: 45% Monthly Keep Rate
Step 05 — Propose

Three moves

The Strategist proposes three practical moves for Maya to review — each one maps to an actual native STAKD screen Maya taps herself. Nothing moves automatically, and this public web demonstration does not execute a financial action.

Strategist proposes. Guardian reviews next — BRIK never cancels a subscription, sweeps funds, or moves money automatically. It opens the right STAKD screen and Maya decides.

Step 06 — Review

Guardian review

Before anything reaches Maya, the Guardian checks each proposal against the constraints supplied in Maya's synthetic context — and it can modify or reject the Strategist.

essential expensesincome volatilitycash-flow timingVenture exposureoverdraft risk
✓
Check the 45% Monthly Keep Rate goal
Review-only and user-triggered. Approved as proposed.
APPROVED
✓
Review Family Cuts
Maya chooses any adjustment. Approved as proposed.
APPROVED
±
Protect part of the next Maya Creative payout
Maya's Venture income varies and housing and family obligations are upcoming. Guardian reduces the proposed set-aside.
30%  →  22%
MODIFIED
Step 07 — Reconcile

BRIK's weekly plan

Thirty percent was too aggressive for this week. We're starting at twenty-two so you can build without putting next Friday at risk. Three moves — all yours to tap.
Check the 45% Monthly Keep Rate goal
Review it against Maya's current obligations.
▸ from Strategistopens SetGoal
Review Family Cuts
Choose one practical adjustment; nothing is cancelled automatically.
▸ from Strategistopens CreateCut
Protect 22% of the next Maya Creative payout
Guardian-capped proposed move for the variable Venture.
▸ from BRIKopens CreateStak
Weekly moves reviewed 0 / 3 reviewed
Goal: 45% Monthly Keep Rate. Proposed moves do not guarantee a percentage change.
Step 08 — Architecture

How BRIK fits STAKD

Four specialist roles, each a different lens on the same deterministic context; BRIK reconciles them into moves that open real STAKD actions.

1 · math
STAKD Keep Engine
→
2 · structure
Money Context
→
3 · reason
Analyst · Oracle
Strategist · Guardian
→
4 · communicate
BRIK synthesis
→
5 · act
Real STAKD action

STAKD calculates the truth.
OpenAI reasons over the truth.
BRIK speaks the truth.

What is real today
● Live today
✓ Native STAKD integration
✓ GPT-5.6 Sol Analyst reasoning
✓ OpenAI Responses API
✓ Supabase Edge Functions
✓ Deterministic Keep Engine
✓ Semantic action routing
✓ Guardian disagreement logic
Illustrative / roadmap
• Production multi-agent orchestration
• Monte Carlo forecasting
• Autonomous financial actions
• Live banking integrations
Build Week addition = the OpenAI reasoning layer on top of STAKD's existing deterministic engine.
No new bank aggregation, no automatic money movement, no autonomous account control.
Synthetic user content (persona: Maya). This public web demo streams a live GPT-5.6 Sol Analyst explanation via the OpenAI Responses API. The native STAKD integration uses an authenticated Supabase Edge Function with strict Structured Outputs. Oracle, Strategist, Guardian & BRIK synthesis are deterministic in this Build Week demonstration.