Building the research and policies that power credit access
The FreshCredit Organization is a Wyoming 501(c)(3) public benefit corporation. We conduct open scientific research on agent-based financial infrastructure, set governance policies and standards, and publish white papers that guide the ecosystem's development — ensuring credit access for underserved communities worldwide.
Mission /
AI-driven impersonation and mass data breaches have made identity the weakest link in finance — cascading into false declines, fraud losses, and abandonment. In 2024 alone, 1.7 billion breach notices were issued. Credit and consumer-reporting complaints dominate the CFPB, outpacing 4,400+ financial institutions combined.
The FreshCredit Organization develops open scientific frameworks and sets the policies that address these structural failures. Our research produces white papers and methodologies for agent workflows, identity standards, and credit scoring — freely available and licensed to the ecosystem. The Lab executes on these frameworks, while Inc sets milestones for commercial deployment.
Peer-reviewed methodologies for autonomous agent credit decisioning. Our frameworks define how agents verify identity, assess risk, and match financial products across 2,400+ languages — addressing the 95% of synthetic identities that go undetected during onboarding.
Open standards for portable, user-controlled identity. Research into decentralized identifiers, verifiable credentials, and edge-held verification — aligned with Dodd-Frank Section 1033 mandates for permissioned data access and DOJ EO 14117 restrictions on bulk data transfers.
Transparent, auditable credit scoring methodologies. Algorithmic fairness research and alternative data frameworks addressing the 44% error rate in consumer credit reports and serving the 6-7 billion people currently locked out of the formal financial system.
Structural models for decentralized oversight and ecosystem coordination. We set policies that define how research flows from white papers to deployment — establishing clear boundaries between research (ORG), execution (LAB), milestones (INC), and autonomous execution (DAO).
Research & Programs /
Each program produces the scientific frameworks powering the FreshCredit ecosystem -- addressing a core dimension of responsible financial infrastructure across identity, credit, marketplace design, and governance.
Core scientific research into autonomous agent architectures for financial inclusion. Develops peer-reviewed methodologies that define how agents verify identity, assess risk, and match financial products with privacy-preserving computation.
DOCAS (Digital Ownership and Credit Attestation System) frameworks, GTT (General Theory of Trust) mathematical models, and TFP (Tokenized Future Payments) protocols. All standards are published openly, free from proprietary lock-in, and aligned with ONCD memory-safe software and Dodd-Frank Section 1033 mandates.
Whitepapers and technical publications on agent workflows, privacy-preserving computation, semantic mapping for financial terms across languages, and decentralized governance models. Peer-reviewed and publicly accessible.
Research frameworks are licensed to FreshCredit Inc for commercial integration. Licensing revenue supports continued open research and public benefit programs -- a self-sustaining model for open science.
Governance /
The FreshCredit Organization is a Wyoming 501(c)(3) Public Benefit Corporation governed by a Board of Directors with support from an Advisory Council. All governance structures are designed for transparency, independence, and public accountability.
Board of Directors
Oversight, strategic direction, and fiduciary responsibility. The Board ensures the organization operates within its charter and advances its stated public benefit mission.
Advisory Council
Subject matter experts in fintech, AI ethics, public policy, and community development who provide guidance on research direction and programmatic decisions.
501(c)(3) Compliance
Wyoming charitable registration, IRS determination, EIN display, and Form 990/1023 public access. All required nonprofit disclosures maintained and accessible.
Conflict of Interest
Disclosures and recusal procedures for board members, advisors, and staff. Ensures independence and integrity in all organizational decision-making, particularly regarding ecosystem entity relationships.
Ecosystem Role /
ORG is the research and policy foundation of the FreshCredit ecosystem. We build the scientific frameworks and set the governance policies that guide all other entities. Our white papers define how credit infrastructure should work — the Lab then executes and deploys these frameworks into production systems.
ORG builds research and sets policies through white papers and governance frameworks. The Lab executes and deploys based on ORG's research — building tools, infrastructure, and runtime environments that implement ORG's standards.
ORG licenses research frameworks to Inc for commercialization. Inc sets milestones for product development and market deployment based on ORG's research priorities and policy direction.
ORG provides research ethics oversight of the DAO execution layer. Non-controlling — the Org ensures scientific rigor and policy compliance without exerting operational control over autonomous coordination systems.
Research-driven, policy-guided, execution-enabled.
The Org does not control the DAO or the Lab. We provide the research foundation and policy frameworks that inform ecosystem development. The Lab executes independently based on ORG's white papers, while Inc sets commercial milestones. All entities operate with clear boundaries and distinct responsibilities.
Transparency /
As a public benefit entity, the Organization maintains full transparency across governance, finance, and research impact. Our work aligns with current and upstream policy converging on permissioned, edge-first data, verifiable ledgers, and autonomous agents.
Governance Documents
Articles of incorporation, bylaws, board resolutions, and structural governance frameworks. Wyoming Public Benefit Corporation charter and operating procedures.
IRS Public Disclosure
Form 990 annual returns, Form 1023 application for tax-exempt status, and IRS determination letter. All required public inspection documents available upon request.
Financial Reports
Annual reports, framework licensing revenue, grant allocations, and detailed accounting of how resources are deployed across research programs and public benefit initiatives.
Impact & Research Reports
Published research outcomes, framework adoption metrics, standards development progress, and measured impact of open-source contributions across the ecosystem.
Ecosystem Pipeline /
Technology moves through a structured deployment pipeline. The Inc defines the stack, the Lab builds it, the Org approves it for public interest, and the new version is deployed to the DAO.
Inc
Integrated Stack
Lab
Builds
Org
Approves
DAO
Deploys
Ecosystem /
The FreshCredit ecosystem operates as a Wyoming-based federation of four distinct entities with clear roles. INC sets milestones and commercial strategy. ORG builds research and sets policies. LAB executes and deploys based on ORG's white papers. DAO provides autonomous execution with privacy guarantees.
Get Involved /
The Organization is built on participation. Whether you access the platform, contribute research, or support our programs, every form of engagement strengthens the public infrastructure we develop.
Built on scientifically rigorous agent frameworks for fair credit. Access the research-validated platform at app.freshcredit.com.
Contribute expertise in agent workflow architectures, identity frameworks, credit scoring methodologies, or governance models. We welcome researchers and institutions aligned with open science.
As a 501(c)(3), all donations to The FreshCredit Organization are tax-deductible to the extent permitted by law. Your support funds open research and public benefit programs.
Partnerships with foundations, academic institutions, and public interest organizations that share our commitment to transparent, equitable financial infrastructure research.