diff --git a/canonical/contracts/credential-access.md b/canonical/contracts/credential-access.md
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+---
+name: credential-access-contract
+canon_uri: chittycanon://core/contracts/credential-access
+version: 1.0.0
+status: proposed
+extends: chittycanon://gov/governance#sensitive-intent   # system-wide-sensitive-intent-contract-v1
+source_of_truth: chittyos-core/skills/nb-development-defaults/references/secrets.md
+owner: chittyconnect-concierge (/chico)
+applies_to: [worker, mcp-server, agent, chittyscript, plugin, skill, pentad-SECURITY]
+---
+
+# Credential Access Contract (v1)
+
+The single canonical contract for how ANY ChittyOS artifact touches credentials.
+Templates and services **cite this URI**; they do not restate its prose. Restating
+is what drifts (three templates independently rotted to "1Password"). One contract,
+controlled projections, enforced in CI.
+
+## Invariants (non-negotiable)
+
+1. **Operator-zero-access.** The operator never retrieves, rotates, pastes, or
+   relays a secret. No secret value appears in code, config, logs, or chat — ever
+   (not from the user, not from tool output, not as an "example").
+2. **Resolution is a bound-service privilege.** A secret value is resolved ONLY
+   inside a bound service, via `getServiceToken(env, "<service>")` or
+   `await env.SECRETS_STORE.get("<NAME>")` (async, try/catch). A **consumer never
+   resolves a value**.
+3. **Consumers carry one identity.** An off-service consumer presents only its own
+   `CHITTYCONNECT_SERVICE_TOKEN` (the inbound identity ChittyConnect validates). It
+   **must not** hold or present `CF_ACCESS_CLIENT_ID` / `CF_ACCESS_CLIENT_SECRET` —
+   those are the bound service's identity, and hand-authenticating to a gated host
+   with them is a blocked pattern.
+4. **Route through the broker.** Any credential / deploy / registry-mutation intent
+   routes through ChittyConnect (`chittyconnect-concierge`, `/chico`).
+5. **Fail closed.** Broker/route unavailable is a policy error, never a fallback:
+   `POLICY_BLOCKED_CHITTYCONNECT_UNAVAILABLE`, `POLICY_BLOCKED_MANDATORY_BROKER_ROUTE`,
+   `POLICY_BLOCKED_DESTINATION_UNVERIFIED`, `INSUFFICIENT_SCOPE`,
+   `EXECUTION_DENIED_BY_POLICY`. Only `MISSING_CREDENTIAL_MATERIAL` may request
+   provisioning (with full resolution fields).
+6. **Storage + naming.** Tokens/keys/signing material live in the Cloudflare Secrets
+   Store (fronted by **ChittySecrets**, Layer 0). Never `[vars]`, never KV-as-truth.
+   Names: `CHITTYAUTH_ISSUED_<SERVICE>_<TOKEN|API_KEY>` (legacy `CHITTY_<SERVICE>_TOKEN`
+   is fallback; `getServiceToken()` resolves both). Service URLs / DB IDs are `vars`,
+   not secrets. **1Password is RETIRED** — never a source of truth.
+
+## Roles
+
+| Role | May resolve a value? | Identity it presents |
+|---|---|---|
+| Bound service (Worker) | Yes — `getServiceToken` / `SECRETS_STORE.get` | its Secrets-Store binding / CF Access service token |
+| Consumer (off-service: Apps Script, CLI, external) | **No** | one `CHITTYCONNECT_SERVICE_TOKEN` → bound egress route |
+| Broker (`/chico`) | Yes — owns the lane | CF Access service token (its own) |
+| Operator (human) | **No** | none |
+
+## Conformance (what a compliant template/service must show)
+
+- [ ] Cites `chittycanon://core/contracts/credential-access`.
+- [ ] Contains no reference to 1Password / `op run` / `op read` as a secret source.
+- [ ] Consumer surfaces contain no `CF_ACCESS_CLIENT_*`.
+- [ ] No secret-value reads in a consumer surface (`SECRETS_STORE.get`, `secrets_resolve`,
+      `wrangler secret get`, `printenv|grep TOKEN`, `echo $*_SECRET`).
+- [ ] Secrets in Secrets Store; names `CHITTYAUTH_ISSUED_*`; none in `[vars]`/KV.
+- [ ] Fail-closed on broker-down with a canonical `POLICY_BLOCKED_*` code.
+
+## Enforcement
+
+CI gate `check-credential-contract.sh` (ChittyGuardian, non-bypassable) asserts the
+conformance list above on every template and service. A template that restates the
+rules instead of citing this URI, or that names 1Password, or that puts
+`CF_ACCESS_CLIENT_*` in a consumer, fails the merge.
diff --git a/plugins/chittyagent-dispatch/scripts/check-credential-contract.sh b/plugins/chittyagent-dispatch/scripts/check-credential-contract.sh
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+#!/usr/bin/env bash
+# ChittyGuardian check — Credential Access Contract conformance.
+# canon: chittycanon://core/contracts/credential-access
+#
+# Usage: check-credential-contract.sh [PATH]     (PATH defaults to ".")
+# Exit 0 = pass, 1 = violations found. Intended as a non-bypassable CI gate.
+set -uo pipefail
+
+ROOT="${1:-.}"
+CONTRACT_URI="chittycanon://core/contracts/credential-access"
+CODE_GLOBS=(--include='*.gs' --include='*.js' --include='*.ts' --include='*.py')
+DOC_GLOBS=(--include='*.md' --include='*.json' --include='*.toml' --include='*.yaml' --include='*.yml')
+fail=0
+note() { printf '%s\n' "$*" >&2; }
+
+# 1) Retired secret manager must not be named as a SOURCE. Allow explicit
+#    retirement/deprecation notes (so canon docs that say "1Password is RETIRED" pass).
+onep=$(grep -rIniE '1password|op run|op read|op item get' "$ROOT" "${CODE_GLOBS[@]}" "${DOC_GLOBS[@]}" 2>/dev/null \
+        | grep -viE 'retir|deprecat|legacy|stale|do not (use|follow)|no longer')
+if [ -n "$onep" ]; then note "FAIL (1Password as source of truth):"; printf '%s\n' "$onep" >&2; fail=1; fi
+
+# 2) Consumer surfaces must not carry CF Access client secrets (broker-only identity).
+cfa=$(grep -rInE 'CF_ACCESS_CLIENT_(ID|SECRET)' "$ROOT" "${CODE_GLOBS[@]}" 2>/dev/null)
+if [ -n "$cfa" ]; then note "FAIL (consumer holds CF_ACCESS_CLIENT_* — broker identity):"; printf '%s\n' "$cfa" >&2; fail=1; fi
+
+# 3) No raw secret-value reads from a consumer (Apps Script surfaces).
+# Skip comment lines (doc references to the canonical mechanism are not calls).
+rawread=$(grep -rInE 'wrangler secret get|secrets_resolve|SECRETS_STORE\.get|printenv[^|]*\|[^|]*TOKEN|echo[[:space:]]+\$[A-Z_]*(TOKEN|SECRET|KEY)' "$ROOT" --include='*.gs' 2>/dev/null \
+          | grep -vE ':[0-9]+:[[:space:]]*([*]|//|#)')
+if [ -n "$rawread" ]; then note "FAIL (secret-value read in a consumer surface):"; printf '%s\n' "$rawread" >&2; fail=1; fi
+
+# 4) Every SECURITY.md must cite the contract URI.
+while IFS= read -r f; do
+  [ -z "$f" ] && continue
+  if ! grep -qF "$CONTRACT_URI" "$f"; then note "FAIL ($f does not cite $CONTRACT_URI)"; fail=1; fi
+done < <(find "$ROOT" -iname 'SECURITY.md' 2>/dev/null)
+
+if [ "$fail" -eq 0 ]; then note "PASS: credential-access contract conformance ($ROOT)"; fi
+exit "$fail"