diff --git a/02-DECISIONS/0024-model-access-is-a-provision.md b/02-DECISIONS/0024-model-access-is-a-provision.md
new file mode 100644
index 0000000..eb177ea
--- /dev/null
+++ b/02-DECISIONS/0024-model-access-is-a-provision.md
@@ -0,0 +1,95 @@
+---
+topic: what runs on it
+status: proposed
+date: 2026-08-30
+deciders: jochen
+reconstructed: false
+---
+
+# 24. Model access is a provision, and a licence is a thing with a name
+
+## Context
+
+Everything in this mesh that thinks needs a model, and there is more than one way to reach one:
+
+| | |
+|---|---|
+| **hosted services** | several vendors, each with its own account, quota and key |
+| **models the mesh runs itself** | open-weight models on a node with the hardware for them |
+
+And the choice is **per consumer, deliberately**: a workstation's own session on one account, a
+laptop on the organisation's, two hired workers on the mesh's local model because their work does
+not justify paid tokens. Those are three different answers to one requirement, held at once, in
+one mesh.
+
+**The existing system has the hard half of this already** — automatic licence refresh and
+switching between accounts when one is exhausted — and it works. It is not being replaced because
+it was wrong; it is being rebuilt because it lives in a place that cannot express the rest.
+
+## Decision
+
+**Model access is a provision.** A module that needs to think declares `requires: model-access`;
+anthropic, openai, grok and a locally-run model are four modules that provide it. That is
+[ADR 0009](0009-modules-and-the-graph.md)'s mechanism unchanged, and it buys the things that
+mechanism already buys: several implementations of one job, a refusal when more than one could
+answer, and choosing by assigning the one you want.
+
+**A locally-run model needs nothing new at all.** It is a mesh-scoped provision on the node with
+the hardware — the same shape as a database, including the credential.
+
+### A licence is a named thing, and the name is the operator's
+
+Not an anonymous credential hanging off a provider. *The personal account*, *the organisation's
+account* — those are names a person uses, and the mesh has to use them too, because the whole
+point is saying **which one** a given consumer uses.
+
+**Many to many.** One provider has several licences; one licence serves several consumers. So it
+is **not a claim** — claims are for things only one holder may have, and two machines sharing an
+account is the ordinary case rather than a collision.
+
+### Four things this needs that the mesh does not have
+
+Written as gaps rather than as design, because each is a real piece of work and pretending
+otherwise is how a plan becomes a surprise.
+
+**1. A provider that is not on a node.** A mesh-scoped provision today is answered by *the machine
+running it*, and the reachability rule refuses two ends that share no private network. A hosted
+service is on nobody's machine and is reached over the public internet. That is a third scope —
+answered by a record rather than by a node — and the reachability rule must not apply to it.
+
+**2. A secret the mesh is given rather than one it mints.** Every credential the mesh handles
+today it generated itself, sealed to both ends, and discarded. An API key arrives from a person.
+The missing verb is *accept*: take a value, seal it to each holder, and **discard the plaintext**
+— because a mesh that keeps operator-supplied keys readably is the arrangement this project
+[measured and rejected](0009-modules-and-the-graph.md).
+
+**3. A consumer that is not a machine.** *This worker uses that licence* is a binding to an agent,
+not to a node. [ADR 0001](0001-mesh-brokers-nodes-host-agents-think.md) already says an agent
+holds credentials and that delivery follows its node bindings and modality — so what is delivered
+still lands on a machine, and what is **chosen** is chosen per agent. The provisions model has no
+consumer identity other than a node.
+
+**4. Switching is a reaction, not a declaration.** Everything here is desired state, reconciled by
+comparison. A licence that hits its limit and must be swapped is a response to something observed,
+and it cannot be expressed as a declaration without the declaration meaning *whatever is working
+right now* — which is not a thing anybody declared. **It belongs with observability, changing a
+binding**, and the binding is then declared as usual. Saying this plainly is what stops the
+declaration language growing a conditional.
+
+## Consequences
+
+- **The refusing rule applies here and will be felt.** A mesh holding three ways to reach a model
+  refuses every consumer that has not said which — which is correct and is a great deal of
+  saying-which the first time. The remedy is one assignment per consumer, and the message names
+  the candidates.
+- **A licence outliving its holder is a live credential nobody is watching.** The same rule the
+  provisioner follows applies: what the mesh granted and no longer grants is withdrawn.
+- **Nothing here makes a node authenticate to a model provider.** ADR 0001 holds: an agent does.
+  What changes is that the mesh can now say *which agent, which licence, which node it lands on*,
+  which is the fact ADR 0001 records as missing.
+
+## References
+
+- [ADR 0009](0009-modules-and-the-graph.md) — provisions, scope, choosing, and sealed credentials
+- [ADR 0001](0001-mesh-brokers-nodes-host-agents-think.md) — agents hold credentials, not nodes;
+  `hal/ai` as the context owning provider grants and rotation