Civilis Risk OS is an installable skill for protected agent commerce. Its logic is intentionally narrow: quote -> buy -> claim -> resolve -> requote. Before a transaction, the system makes risk explicit. During a transaction, it allows protected purchase instead of blind settlement. After a transaction, it allows a challenge path, an evaluator path, and a new quote that reflects what actually happened. In other words, we do not treat trust as a static badge. We treat it as something that should be priced before action, challenged when needed, resolved with structure, and updated by outcomes.