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AI controls architecture

Short, opinionated essays on AI controls, agent systems, and governance. The archive is the evidence: accumulated arguments, not a pitch.

404 essays Terry Li Financial services
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  • A Skill Is Not a Prompt

    The useful unit in agent systems is not a better instruction. It is a tested capability package: judgment, code, checks, routing, and boundaries.

  • The Model Is Not the Unit of Return

    Model revenue is not customer return. The economic and risk unit is the harness that turns model output into accountable work.

  • After the Harness

    Once model companies supply the generic agent harness, the valuable work moves into workflow design, human intervention, domain data, and the definition of good work.

  • The SOP Is the Product

    Enterprise AI stops being a chatbot when the operating procedure becomes the thing the system can execute, inspect, and improve.

  • The Agent Is the Trace

    Long-running agents are not defined by the model call. They are defined by the state, rules, tools, failures, and corrections that survive it.

  • The frontier is no longer the back office

    Ken Griffin watched PhD-level finance work compress from months to days. The interesting question is whether bank AI controls are designed for the layer where the work now lives.

  • Agent-Native Onboarding Is Not a Signup Form

    If a product wants agents as real users, first-run setup has to be an executable workflow, not a human signup ceremony wrapped in documentation.

  • When Code Gets Cheap, Coordination Gets Expensive

    Coding agents move the bottleneck from implementation to shared intent.