{"name":"IntelliCredit-CreditAppraisal-v2","version":"2.0.0","observation_dims":55,"observation_sub_spaces":{"application_features":25,"portfolio_state":10,"macro_state":5,"alert_state":5,"memory_features":10},"memory_feature_labels":{"45":"rolling_npa_rate_10step","46":"approval_rate_recent","47":"sector_max_concentration","48":"macro_stress_trend","49":"borrower_persistence_score","50":"audit_risk_score","51":"capital_buffer_ratio","52":"recent_reflection_count","53":"episode_progress","54":"world_model_confidence"},"action_space":3,"action_labels":{"0":"APPROVE","1":"CONDITIONAL_APPROVE","2":"REJECT"},"tasks":{"task1":{"num_steps":50,"description":"Easy — Clean profiles, macro shock at step 40"},"task2":{"num_steps":50,"description":"Medium — Forensic alerts, shock at step 30"},"task3":{"num_steps":50,"description":"Hard — Macro shocks + missing data + repeat applicants"},"task4":{"num_steps":50,"description":"Expert — Hard-rule violations, tight CRAR windows"},"task5":{"num_steps":50,"description":"Master — Full constraints, cascading NPAs, 5 audits"}},"max_steps_per_episode":50,"audit_steps":[10,20,30,40,50],"constraints":{"max_npa_rate":0.05,"min_crar":0.125,"max_sector_concentration":0.3,"max_single_borrower_pct":0.15},"hard_rules":["HR-01: DSCR < 1.0","HR-02: Director disqualification (DIN < 0.1)","HR-03: RED forensic alert present","HR-04: Cheque bounce rate > 25%","HR-05: GST compliance < 40%","HR-06: Severe adverse media (sentiment > 0.80)"],"multi_agent":{"borrower_agent":"Programmatic — reapplies up to 3 times with improved surface profile","regulator_agent":"Programmatic — audits at steps 10/20/30/40/50, can shut down episode","credit_officer":"LLM under training — receives 55D obs + text prompt, calls tools or submits decision"},"reward_range":[-20.0,15.0],"framework":"OpenEnv (Meta × Hugging Face × PyTorch)"}