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 "name": "Endpoint Disclosure Requires Process Level Verification",
 "text": "For systems whose persistent decision artifacts evolve over time, additional disclosure or favorable endpoint performance does not by itself establish effective governance because capability drift, retention loss, and failed rule adaptation may become visible only through checkpointed process-level evaluation.",
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  "where an agent converts interaction feedback into persistent memories, skills, or comparable artifacts",
  "where those artifacts are updated across an experience stream",
  "where evaluators can freeze successive artifact states and test them on held-out episodes",
  "limited to a governance proposition suggested by the benchmark rather than demonstrated across financial institutions",
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  "name": "Hongqiang Lin, Chao Liu, Xiaofan Bai et al., Beyond Endpoint Performance: Process-Level Evaluation of Self-Evolving Agents (arXiv:2609.24663, 2026)",
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  "citation": "Kaal, Hedge Fund Valuation Retailization, Regulation, and Investor Suitability (2009). SSRN: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1428387",
  "paper": "Kaal, Hedge Fund Valuation Retailization, Regulation, and Investor Suitability (2009). SSRN: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1428387. https://doi.org/10.2139/ssrn.1428387",
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