AutoBank Systems Banking Trust Layer
Methodology
Clarity over complication. These are demonstration equations; tune as your data matures.
Equations
- Expanded Base = Capital x Credit Multiplier
- Annual Volume = Capital x Velocity x Credit Multiplier
- Required Reserves = Reserve% x Expanded Base
- Expected Loss = Default% x Expanded Base + Fraud bps x Volume
- Latency Cost = Volume x (Latency hours / 8760) x 4%
- Trust Index = 100 minus penalties(latency, defaults, fraud)
Modes
- Ideal: No extra penalties beyond your inputs.
- Real: Demo friction applied: volume and TPS reduced by 3 percent, losses increased by 15 percent, latency cost increased by 25 percent, trust reduced by 5.
- Custom: Your inputs define the world; split view keeps Real and Ideal visible for comparison.
Assumptions and Notes
- Ticket size for throughput is set to 50 dollars for sizing only.
- Carrying cost used in latency cost is 4 percent annualized.
- Trust Index is a simple illustrative score that downshifts with slower settlement, higher defaults, and fraud.
- Numbers are rounded for readability and demonstration.