Aren't you just a wrapper around someone else's model?

The wrapper criticism is fair against products whose contribution is a user interface over an API. The distinction is whether anything is enforced between the user and the model — and whether anything survives the model being swapped.

Centralpoint determines what enters the retrieval surface before any embedding exists, computes entitlement per requester from record-level assignments, loads governance rules that cannot be overridden by later instructions, bounds consumption per execution, and retains the assembly of each answer for audit. None of that is passthrough, and all of it persists unchanged when the model changes. The model is the replaceable component; the governance is the product.