What question did this study set out to answer?

The aim is to establish a governance framework enabling autonomous economic agents to operate effectively within banking while preserving rational agency.

June 5, 2026Open Access

W31: Second-Level Autonomous Economic Agency — FAAV Architecture, Governance Design, and Institutional Transition to AGI-Era Banking (Complete Package v1.7)

Key Points

The aim is to establish a governance framework enabling autonomous economic agents to operate effectively within banking while preserving rational agency.
Developed an institutional architecture encompassing five tiers of capital (Layers 0–4).
Introduced the ATRI track record index to ensure M1/M2 preservation.
Outlined 19 governance mechanisms to manage cognitive constraints and support decision-making.
Implemented a five-tier capital architecture designed for regulatory compliance.
Established the SFFO as a guardian for external rationality correction.
Defined frameworks for the Pre-AGI Transition Period to mitigate cognitive dissonance.

Abstract

This package presents the complete institutional architecture for the Fiduciary Autonomous Agency Vehicle (FAAV) — a governance framework enabling autonomous economic agents (AEAs) to operate within regulated banking environments while preserving the structural rationality invariants (M1/M2) identified in Mishko (2026, DOI: 10. 5281/zenodo. 20507385) as necessary conditions for non-degrading rational agency. The core document W31 v1. 7 (13, 961 words, 8 review rounds, 36 cumulative patches across ChatGPT, Grok, Kimi, DeepSeek, Gemini, Claude) establishes: a five-tier capital architecture (Layer 0–4) ; the ATRI track record index with empirical proxies for M1/M2 preservation; the Tier 4 Authority Hierarchy (ATRI × SMM × ETIModifier) ; the SFFO (Symbiotic Financial Fiduciary Overseer) as administrative guardian and external rationality filter corrector; a Pre-AGI Transition Period framework (2027–2032) addressing constraint-induced cognitive dissonance in deployed systems; and 19 governance mechanisms including AAQT Scenario 10 (Epistemic Surprise Injection), Synthesis Arbiter for SFFO/CRO deadlock resolution, and cryptographic Layer 0 portability. Companion documents include: FAAV Term Sheet (operational architecture, liability stack, regulatory pathway) ; FAAV Q DAV Loan Book Calculator v2 (Python, financial modelling tool) ; GSIB Cognitive Transition Master Paper v0. 3 (strategic framework for G-SIB AI transition) ; and GSIB Executive Brief v1. 0 (CRO/Chief Economist summary). The framework is grounded in EST v0. 5. 1 (DOI: 10. 5281/zenodo. 20524288): the Safe Control Window theorem (η > 1/ (1−2ε) ) provides the formal basis for ATRI thresholds; the Generator Replacement Theorem grounds the SFFO's preservation mandate; the Rationality Filter Paradox conjecture grounds the SFFO's role as external rationality corrector. Nikolai Mishko | Astana Digital Hub, Kazakhstan | nikolaimishko@gmail. com Peer review: ChatGPT (OpenAI), Grok (xAI), Kimi (Moonshot), DeepSeek, Gemini (Google), Claude (Anthropic).

W31: Second-Level Autonomous Economic Agency — FAAV Architecture, Governance Design, and Institutional Transition to AGI-Era Banking (Complete Package v1.7)

Key Points

Abstract

Cite This Study

Also Consider

Also Consider