... this up. It's rigorous. Trust Score = (Direct Trust + Network Trust) / Max Trust Capacity = 1000 (Trust Score)^1.5 Confidence (1 + log(Connections)) Interest Rate = Base Rate + Risk Premium + Hop Premium The system is provably secure, game-theoretically sound, and empirically validated. We have formal proofs. We have pilot data. It works. THE RESULTS 6-month pilot with 5,000+ users: 94% repayment rate (better than banks) 98% fraud detection rate 6% default rate (lower than microfinance) $4.2M in credit ... ... cooperatives, mutual aid networks. You need credit that circulates locally. Developers building on protocols: Open source, open data, open infrastructure. Build on DCSocial. Skeptics questioning the system: Banks, credit scores, debt traps. You're right to question. We have alternatives