Underwriter AI
The algorithmic credit assessment engine that evaluates DIO proposals using alternative data, explainable AI, and real-time risk monitoring.
The Underwriter AI replaces the biased loan officer with transparent algorithms. It ingests alternative data—utility payments, mobile top-ups, social commerce history, on-chain reputation—to build holistic risk profiles for individuals excluded from traditional credit systems. Every decision is explainable: borrowers can see exactly why they were approved or denied. The Underwriter monitors DIO health block-by-block, triggering automatic restructuring if collateral ratios drop.
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Provenance Chain
A cryptographic record appended to each MKVLI token, documenting every VRDI participation, impact metric, and recipient confirmation—creating a unique "story" for each token.
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Neuromimetic Architecture
A system design philosophy that mimics biological neural networks, allowing decentralized nodes to self-organize and optimize without central direction.
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Federated Learning
A machine learning approach where models are trained across decentralized devices without raw data ever leaving the local environment.