Verification Debt Compounding

Verification Debt Compounding treats every unreviewed agent-generated commit as a small loan against future delivery capacity. The interest rate is set by how far the code drifts from the architecture a human would have chosen. Agencies that ship agent output straight to client repos accumulate this debt quietly, then pay it back in emergency debugging during a retainer sprint. The category description warns that over-reliance risks code quality inconsistency, and the operational evidence supports it: Agent Desk launched as an open-source macOS app specifically so teams can browse and review sessions across Claude Code, Cursor, Codex, and GitHub Copilot, which only matters if review is a scheduled step rather than an afterthought. A 10 MB in-browser model from GenClass now flags silent CSS and race-condition bugs that never throw errors, the exact class of defect that passes agent self-tests and lands in production. Budget review time as a line item, not a contingency.