Documentation / Research Frameworks /
Research Frameworks
Core scientific frameworks powering the FreshCredit ecosystem: DOCAS, GTT, and TFP. Open standards for identity, trust, and payments.
DOCAS
Digital Ownership and Credit Attestation SystemPublishedv2.1
A comprehensive framework for self-custody identity and portable credentials. DOCAS enables users to own and control their identity data while allowing verifiers to confirm credentials without centralized intermediaries.
Read specificationGTT
General Theory of TrustPublishedv1.8
Mathematical models for credit risk assessment that work across languages, cultures, and jurisdictions. GTT provides the theoretical foundation for alternative credit scoring in underserved markets.
Read specificationTFP
Tokenized Future PaymentsPublishedv1.5
Protocol specifications for programmable payment streams, automated settlement, and revenue distribution. TFP enables complex financial arrangements to be executed autonomously on blockchain infrastructure.
Read specificationFramework Principles /
Open Standards
All frameworks are published openly and free from proprietary lock-in. Anyone can implement, extend, or fork the specifications.
Regulatory Alignment
Frameworks are designed with regulatory compliance as a foundational principle, aligned with BSA/AML, GDPR, CCPA, and emerging DeFi regulations.
Cross-Cultural Design
Specifications account for linguistic, cultural, and jurisdictional differences from the ground up—not as afterthoughts.
Academic Rigor
All frameworks undergo peer review and are published with mathematical proofs, security analyses, and implementation guidelines.
Licensing
All FreshCredit Org frameworks are released under open licenses that permit commercial use, modification, and distribution. Frameworks are licensed to FreshCredit Inc and other commercial entities under terms that require attribution and contribution back to the commons.
View licensing terms→