One Endpoint, Every Capability: A Reference Architecture for Progressive Disclosure

Skills, files, memory, and generation do not need four integrations. They need one MCP endpoint with tiered disclosure, one API key that scopes everything to its owner, and one credit balance. The same tools answer to an MCP client, an in-product chat, and a CLI. Here is the whole architecture, and why it is the shape that makes a fleet of agents coherent.