RTL-STD-001 · Status

Status

The canonical, boring record of what has been measured and what has not. Everything else on this site defers to it.

Last updated 2 September 2026Standard v1.0

Where the standard stands

Standard version	v1.0
Checks	56 · 20 Sphinx-original
Thresholds calibrated	0 of 56
Contributing lenders	0
Loans in validation study	0
First published finding	pending
Verification endpoint	demo (static lookup, specimen only)
Last updated	2 September 2026

The rule this page enforces

No page on this site may state a calibration, evidence, or outcome figure that this page does not also state. Every check count, calibrated count, contributor count and study figure elsewhere on the site is rendered from the same sources as this table, and the build fails if they disagree. If you find a number on the site that this page does not carry, it is a defect: standard@sphinx.credit.

What each line means

Standard version. The version of RTL-STD-001 currently published. A finding records the version it was produced against and the threshold values it used, by value.
Checks. The number of checks in the published specification, and how many of them exist in no other review standard.
Thresholds calibrated. How many thresholds have been fitted to realised sale prices under the validation protocol and carry a sample size. Every other threshold is an industry baseline or a stated starting point.
Contributing lenders. Lenders whose closed-loan archive has been run through the standard. Zero means no archive has been run.
Loans in validation study. Exited loans for which check results have been matched to a realised sale price. Zero means no outcome has been examined; the protocol is pre-registered so the predictions are on record before that happens.
First published finding. The first calibration study published, whatever its result. Pending until it exists.
Verification endpoint. Whether sphinx.credit/v/[finding-id] performs live verification. Demo means the page resolves for the specimen finding only; production verification switches on with the first live finding.
Last updated. When the hand-maintained figures on this page last changed. Check counts and the calibrated count are computed from the specification at every build.

Machine-readable

status.json carries the same figures. The published specification as data is at standard/checks.json. The pre-registered validation protocol states what the first study will test and the decision rules it will apply.

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RTL-STD-001 v1.0 · published · this page last updated 2 September 2026 · status

The Sphinx standard describes analytical review of an appraisal report. It is not an appraisal, not a valuation, and not a review appraisal under USPAP Standard 3. Outputs are internal analytical inputs for credit decisioning. They are not communicated to appraisers and are not a basis for requesting revision to any report.