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Methodology At A Glance

Three acts. One non-compensatory score.

Every assessment moves through the same fixed sequence — constitutional gates first, then geometric-mean scoring across three tiers, then a decision that a strong number can never override.

Act 1
AITS Constitutional Gates
  • P2 — AML Gate
  • Pillar I — Legality
  • Pillar II — Reexchangeable Value
  • Pillar III — Human Consumability
  • Pillar IV — Ownership Transferability
  • Pillar V — Enforceability & Verifiability
All six must PASS before scoring begins
Act 2
2Q-H-C-T-L-I Scoring
Tier 1 — Financial Layer
Q1 (Quantitative) × Q2 (Qualitative) → T1
Tier 2 — Intelligence Layer
H (Human) + C (DAO, optional) → T2
Tier 3 — Hard-Gate Layer
T ≥30 · L ≥30 · I ≥40 → T3
Geometric mean throughout — no compensation
Act 3
Final Decision
85.0–100.0 · Exceptional
70.0–84.9 · Strong
50.0–69.9 · Conditional
35.0–49.9 · Alarming
<35.0 or Gate FAIL · Ineligible
Any failed hard gate voids the score outright
Working Paper · Framework 01

The 2Q-H-C-T-L-I Framework: A Non-Compensatory Legal Risk Scoring Methodology for Digital Finance and Tokenized Asset Environments

Introduces the three-tier geometric scoring architecture with mandatory hard gates on Trust (T), Legal Enforceability (L), and Ownership Legitimacy (I). Establishes why compensatory linear models systematically fail to surface structural risk in tokenised asset classes.

SSRN Non-Compensatory Scoring RWA · DeFi View on SSRN →
Working Paper · Framework 02

AITS: Autonomous Institutional Trust Standard for Trustless Digital Finance Systems

Defines the constitutional legitimacy conditions for institutional-grade digital finance — five foundational pillars, ten implementation conditions, and a three-party model separating author, operator, and conformance review. Covers tokenised RWA, cross-border settlement, and Islamic finance instruments.

SSRN Institutional Standard Islamic Finance · Sukuk View on SSRN →

All working papers are archived under a single author profile. You can read, download, cite, and formally reference every formula, threshold definition, and weight calibration before engaging any assessment service.

Full SSRN Profile → Google Scholar
15+
Years institutional credit risk · Agrani Bank PLC
MBA
Banking · CGPA 3.65/4.00 · University of Dhaka
2
Original frameworks — 2Q-H-C-T-L-I & AITS — first of their kind
11
SSRN journal distributions across economics, finance & innovation