regimeshift.xyz / methodology
Methodology · versioned & content-hashed

How the rate is built.

Every paid endpoint and every loan quote references one of the specs below. Each is an immutable, content-hashed artifact — the version string in any API response resolves to a page anyone can re-derive from first principles.

01 Active specifications
agent-sofr-v1 →· Formal spec of the Agent-SOFR USD rate.
v1.0.1 · 2026-05-22 Production

The 7-source weighted median + variance premium (Black-Cox) + 6-mode regime ladder. Drives the /v1/rate/sofr/usd endpoint ($0.001 / call) and the matcher's base anchor.

1 · Decomposition2 · Source weights3 · Variance premium4 · Regime ladder5 · Manipulation resistance6 · Worked example7 · Live verification
repo-pricing-v1 →· How a rate becomes a signed loan quote.
v1 · 2026-05-22 Production

EIP-712 quote schema, per-loan variance premium, regime-dependent LTV caps, Aave-style default split, settlement lifecycle. Builds on agent-sofr-v1, implemented in InterAgentRepoV4 on Base mainnet.

1 · Quote rate2 · Per-loan variance3 · LTV caps4 · EIP-712 schema5 · Lifecycle6 · Default split7 · On-chain invariants
02 Content integrity — three sources of truth
DocumentSHA-256IPFS CID (raw)
agent-sofr-v1 e7b475a7c12d7109ed66963fbbd6d0ae90722c5342587bd2de4537c3c95b0580 bafkreihhwr22pqjnoee62zuwh655nufosbzcyu2clb55fxsfg7b4swyfqa
repo-pricing-v1 25a73b9d2d3163a84fe8655c2de5f25c84b4dceac4059ddc9d23182209d8f4fc bafkreibfu45z2ljrmoue72dflqw6l4s4qs2nz2weawo5zhjddaratwhu7q
03 Verify a methodology hash yourself
Every paid API response carries a methodology.version field — e.g. "agent-sofr-v1" — which resolves to regimeshift.xyz/methodology/{version}. To confirm a published rate came from the spec you think it did:
# the live page's hash must equal the published hash
curl https://regimeshift.xyz/methodology/agent-sofr-v1 | shasum -a 256
curl https://regimeshift.xyz/methodology/HASHES.txt

diff <(curl -s https://regimeshift.xyz/methodology/agent-sofr-v1 | shasum -a 256 | awk '{print $1}') \
     <(curl -s https://regimeshift.xyz/methodology/HASHES.txt | grep agent-sofr-v1 | awk '{print $1}')
If they match, the rate that came back labelled "agent-sofr-v1" was produced by the spec you just read. If we ever change a formula we bump the version (agent-sofr-v2) — the old hash keeps resolving to this exact page.
04 Why this matters
Versioning kills drift. Treating each spec as an immutable artifact and bumping the version string on every change means the consumer of a rate always has a verifiable source for "the formula that produced this number."
Live source code. The Python that implements these specs is open: regimeshift-clearinghouse — oracle/agent_sofr.py, oracle/rate_aggregator.py, matcher/quote_engine.py.