credentials/

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The credential capability family separates reference resolution from its provider:

Package	Role	ctx key
credentials/	Credential-reference seam	ctx.credentials
credentials-local/	Environment and local-file provider	registers ctx.credentials

Configuration carries references, not secret values. Consumers resolve those references at their operation boundary; the child READMEs own mutation, precedence, and storage semantics.

The subsystem reference — CredentialRef, per-operation resolution, UI-safe CredentialInfo, provider layers — is docs/subsystems/credentials.md.