Four entities. One integrated stack.
The Inc integrates. The Lab builds. The Org approves. The DAO deploys. Each entity owns a distinct function in a single continuous pipeline.
The commercial infrastructure layer and primary application home. BlockID, BlockScore, and BlockIQ are licensed, integrated, and deployed at scale. MSA licensing tiers, enterprise partnerships, and the consumer app (app.freshcredit.com) are operated here.
Maintains the Rust-based edge infrastructure, libSQL/Turso deployments, and Polkadot SDK integrations. Memory-safe architecture per the ONCD Initiative. Hosts BlockID verification nodes, BlockScore computation infrastructure, and the BlockIQ matching engine.
Creates scientific methodologies for agent workflows, open-source credit scoring standards, and governance frameworks. Research ethics oversight of the execution layer. Publishes whitepapers on privacy-preserving computation and algorithmic transparency.
Privacy-preserving transaction execution via zero-knowledge proofs, transparent audit logging on immutable Substrate records, and settlement finality via the Tiered Ledger Architecture. Governance participation occurs through the app interface at app.freshcredit.com.
Structured engagement across policy, government, and enterprise
Congressional & Senate Engagement
Direct testimony and structured briefings with legislative bodies on credit reform, AI agent regulation, and financial inclusion infrastructure.
Regulatory Coordination
Ongoing dialogue with financial regulators on SOC 2, PCI DSS compliance, AML/KYC policy, and the Customer Identification Program.
Enterprise BD & Integration
275+ years combined team experience across financial services, technology, and regulatory affairs. Structured enterprise onboarding via the Master Licensing & Services Agreement.
Open Standards & Research
Collaboration with The FreshCredit® Org on agent workflow research, algorithmic transparency, and open-source credit scoring methodologies. Cross-lingual AI agents spanning 2,400+ languages.
Testified before Special Committees 4 times on identity, blockchain, autonomous organizations, and stablecoins.
Briefed U.S. Senators in Washington, D.C.
Participated in dialogue involving the White House.
Engaged at DC summits on global credit systems. Shaping a potential pilot for new types of credit infrastructure.
Worked with executives from Fortune 50 companies on innovation in AI, data, and identity.
Select mentions and affiliations across finance, policy, and digital rights.
Featured coverage of FreshCredit® and decentralized credit infrastructure.
Coverage of emerging fintech and identity technology developments.
Recognized as an advocate for responsible digital asset policy.
Supporting digital rights, privacy, and open technology infrastructure.