/ RESEARCH FRAMEWORKS
Scientific standards for open financial inclusion
6-7 billion people are locked out of formal finance. We develop open scientific methodologies for agent workflows, identity standards, and governance frameworks -- transforming identity from a liability into an asset.
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 to address these structural failures. Our research produces methodologies for agent workflows, identity standards, and credit scoring -- freely available and licensed to the ecosystem 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 DAO execution layers. Research into accountability mechanisms, community input processes, and compliance with emerging tokenization, stablecoin, and digital asset regulatory frameworks.
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 credit decisioning. Develops peer-reviewed methodologies that define how agents verify identity, assess risk, and match financial products -- handling 2,400+ languages with privacy-preserving computation.
BlockID interoperability standards, BlockScore algorithmic transparency frameworks, and BlockIQ marketplace 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 into BlockID, BlockScore, and BlockIQ. 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 /
The Org creates the scientific research that the ecosystem runs on. Frameworks developed here are licensed to Inc for commercial deployment, built into infrastructure by the Lab, and executed through the DAO.
Research licensing for agent workflow frameworks, BlockScore algorithms, and identity standards. Licensing revenue funds continued open research.
Infrastructure for research computing. The Lab hosts computation environments used for framework development and validation.
Research ethics oversight of the DAO execution layer. Non-controlling -- the Org ensures scientific rigor without exerting operational control.
Non-controlling research ethics oversight.
The Org does not control the DAO. It provides research ethics oversight and ensures scientific rigor across the ecosystem without exerting operational control over autonomous coordination systems.
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 Organization operates alongside three sibling entities in a Wyoming-based federation. Each serves a distinct function -- the Org provides research frameworks, the Inc commercializes them, the Lab builds infrastructure, and the DAO executes 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.