diff --git a/H22026-business-map.md b/H22026-business-map.md
index b525b0e..1b96030 100644
--- a/H22026-business-map.md
+++ b/H22026-business-map.md
@@ -132,6 +132,59 @@ ap4ap.org, sol-calc.com, uksrs.org), TSYS Group holding structure.
 
 ---
 
+## Agent Identity Ownership (Bitwarden account tiers)
+
+**Principle:** credentials live in the BW account of the executive line
+that operates the identity — not one shared vault. The "council of four"
+(board / CTO / COO / CCO) each get their own Bitwarden account.
+
+### COO BW account (exists, `coo@turnsys.com` on pwvault.turnsys.com)
+
+Owns ALL current identities (the COO line is the group's shared
+services). 10/10 enrolled + TOTP as of 2026-08-14:
+
+- **SVP tier:** svp-knel, svp-tctc
+- **VP tier (KNEL):** vp-techops, vp-secops, vp-techcompliance
+- **VP tier (TCTC):** vp-investing, vp-trading, vp-compliance
+- **VP tier (other):** vp-facilities
+
+Still to flesh out on the COO side (do NOT enroll into this vault):
+nothing until H22026.md locks the org chart — then directors
+(director-infra, director-sre, director-soc, ...) and IC worker/reviewer
+pairs (ic-*-1 / ic-*-2) join THIS vault, since they work under the COO
+line. Estimate: ~15-25 identities.
+
+### CTO BW account (Charles to stand up)
+
+- `ctpo` (invite already issued, intentionally parked in the invites
+  file — do not merge into the COO provisioner manifest)
+- Future: Suborbital Systems agents, ventures portfolio ICs
+  (RackRental/MerchantsOfHope/TeamRental/ap4ap/sol-calc/uksrs pods)
+
+### CCO BW account (Charles to stand up)
+
+- `cco` (invite already issued, parked likewise — the AI executive)
+- Future: Side Door Group agents (501c3/c4/PAC compliance ICs),
+  Redwood Springs Capital Partners agents (securities compliance),
+  Redwood Family Office agents, High Flight co-op agents
+
+### Board BW account (Charles to stand up)
+
+- `board-secretariat` (agenda/minutes/resolutions)
+- `director-audit` (independent audit chair; reports to board only)
+
+### Provisioning mechanics note
+
+The provisioner (KNEL/agent-identity-provisioning) is COO-vault-bound
+via `~/.config/bw/env`. Other tiers need their own env files
+(e.g. `~/.config/bw/env-ctpo`) and a compose override or BW_ENV_FILE
+switch before their invites can be accepted. ctpo/cco invites in
+~/cloudron-invites.txt must be EXCLUDED from merge-invites.py runs
+until then (they currently WOULD be appended as new agents — filter
+them or split the file).
+
+---
+
 ## Lineage
 
 - Charles has been designing this organization since age 14 (currently