Documentation / Publications /
Publications
Peer-reviewed research papers, whitepapers, and technical publications from The FreshCredit Org research teams.
Recent Publications /
DOCAS: A Framework for Self-Custody Identity in Financial Systems
FreshCredit Research Team
Technical specification for the Digital Ownership and Credit Attestation System, enabling portable credentials and privacy-preserving verification.
General Theory of Trust: Cross-Cultural Credit Risk Models
Dr. Sarah Chen, et al.
Mathematical foundations for alternative credit scoring across 2,400+ languages and cultural contexts.
Agent-Based Financial Infrastructure: Coordination Without Centralization
FreshCredit Research Team
Architectural patterns for autonomous agent workflows in regulated financial environments.
Privacy-Preserving KYC: Zero-Knowledge Identity Verification
Dr. Michael Torres, et al.
Implementation of zk-SNARK based identity verification compliant with BSA/AML requirements.
TFP: Tokenized Future Payments Protocol Specification
FreshCredit Research Team
Protocol definition for programmable payment streams and automated settlement on blockchain infrastructure.
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We welcome submissions from researchers working on agent-based financial infrastructure, privacy-preserving computation, and financial inclusion.
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