{
  "name": "DEFY TPO Program Desk",
  "description": "Answers questions about Defy Wholesale's TPO loan programs for mortgage brokers from the live guideline catalog. Deterministic catalog lookup, not a language model; it never prices a loan or makes a credit decision.",
  "version": "2026.11.04",
  "protocolVersion": "0.3.0",
  "url": "https://defytpo.com/a2a",
  "preferredTransport": "JSONRPC",
  "supportedInterfaces": [
    {
      "url": "https://defytpo.com/a2a",
      "protocolBinding": "JSONRPC",
      "protocolVersion": "1.0"
    }
  ],
  "provider": {
    "organization": "Defy Wholesale",
    "url": "https://defytpo.com"
  },
  "documentationUrl": "https://defytpo.com/api/docs.md",
  "iconUrl": "https://defytpo.com/icon-192.png",
  "capabilities": {
    "streaming": false,
    "pushNotifications": false,
    "stateTransitionHistory": false
  },
  "defaultInputModes": [
    "text/plain"
  ],
  "defaultOutputModes": [
    "text/markdown"
  ],
  "skills": [
    {
      "id": "list-programs",
      "name": "List loan programs",
      "description": "Every live program with headline limits and its page URL.",
      "tags": [
        "mortgage",
        "wholesale",
        "tpo",
        "dscr"
      ],
      "examples": [
        "What programs do you offer?",
        "List your loan programs"
      ]
    },
    {
      "id": "program-guidelines",
      "name": "Program guidelines",
      "description": "Guideline summary for one program: stats, quick rules, max-LTV matrix, eligibility.",
      "tags": [
        "guidelines",
        "ltv",
        "dscr",
        "short-term rental",
        "bank statement",
        "foreign national"
      ],
      "examples": [
        "Short term rental guidelines",
        "What is the max LTV on DSCR?"
      ]
    }
  ]
}