Grants, Investments, and Loans (GIL) Program

Overview

The Grants, Investments & Loans (GIL) Program is Tythe’s trust-based capital layer — an ecosystem mechanism that connects verifiable credibility to real financial opportunity.

By using DISC Scores, Metric Health Factors, and validation history as transparent indicators of reliability, GIL allows lenders, investors, and grant issuers to price capital by trust, not risk.

Through GIL, verified humans, organizations, and AI agents can access differentiated financial terms, ecosystem grants, or investment exposure directly proportional to their demonstrated credibility within the Tythe Network.

Why It Matters

Traditional finance evaluates reputation through opaque paperwork, credit histories, or subjective due diligence.

GIL replaces those assumptions with cryptographic trust signals — zero-knowledge proofs of identity, compliance, and performance — to make capital allocation objective, programmable, and equitable.

By linking credibility to access, GIL ensures that ethical, transparent, and high-trust participants gain measurable advantages in borrowing, funding, and investment visibility.

It anchors financial inclusion to proof-verified trust rather than institutional privilege.

How It Works

1. Trust-Linked Capital Framework

GIL introduces a three-channel financial model built directly on Tythe’s credibility infrastructure:

Grants

Credibility-weighted funding distributed to builders, researchers, and organizations with proven Governance or Sustainability metrics.

Developers, foundations, DAOs, impact orgs

Investments

Direct or pooled capital inflows guided by DISC-verified reliability, with investors using Tythe’s trust data to evaluate participants.

VCs, institutions, ecosystem funds

Loans

Lending markets that dynamically adjust rates and limits based on borrower Finance and Compliance health.

Individuals, businesses, protocols

Each channel relies on DISC data and Trovebook receipts as the foundation of its eligibility logic.

2. Trust-Weighted Evaluation

Every GIL applicant (Human, Org, or AI Agent) is evaluated through the following parameters:

  • DISC Score: overall credibility band and historical stability.

  • Metric Health Factors: consistency and validator diversity per metric.

  • Compliance Verification: zk-KYH / zk-KYC / zk-KYB / zk-KYA status.

  • BAD Status Check: no active trust violations or disciplinary receipts.

  • Vault Behavior: TCT staking history, validation participation, and contribution volume.

These parameters generate a Trust Rating, determining access tier, capital limits, and reward multipliers.

3. Pricing Capital by Trust

  • Lower-Rate Lending: Borrowers with high Finance and Compliance metrics receive reduced interest rates and better collateral efficiency — in line with institutional rates (1% - 2.5% advantage).

  • Dynamic Terms: Loans and investments adjust in real time as DISC Scores or Metric Health change, maintaining continuous transparency between counterparties.

  • Grant Prioritization: Builders with superior grant-appropriate metrics appear higher in funding queues or receive boosted weighting in selection algorithms.

  • AI Agent Financing: Registered AI Agents with stable behavioral histories and active sponsorships can request operating credit under their Registrant’s DISC profile.

All financial interactions occur under zero-knowledge proofs; sensitive details remain private while eligibility remains verifiable.

4. Funding Sources and Settlement

GIL capital originates from a few core streams:

  1. Ecosystem Allocations — TYT reserves designated by Tythe governance.

  2. External Partners — stablecoin issuers, on-chain treasuries, or regulated institutions integrating Tythe’s trust filters.

  3. TDX Revenue Pools — a fixed portion of Tythe’s marketplace fee used to sustain recurring GIL Program liquidity.

  4. Query Costs — price per query for qualification checks and verifications.

Funding and repayment occur in partnered stablecoins or TYT tokens, depending on program category.

All settlements generate verifiable receipts recorded in participants’ Trovebooks.

5. Governance and Automation

  • Application Layer: Builders and organizations apply through the GIL portal inside the Tythe dApp.

  • Evaluation Engine: DISC-driven scoring scripts automatically rank applicants.

  • Validation Layer: Partner validators or auditors review proofs for final release.

  • Oversight: Tythe governance can adjust weighting logic, funding caps, or repayment parameters transparently via on-chain proposals.

This structure makes GIL fully auditable yet entirely privacy-preserving.

Example Scenarios

  • Builder Grant: A developer with high Governance Health (0.81) and verified compliance earns priority access to a TYT-denominated ecosystem grant.

  • Lending Pool: A DeFi user with Finance ≥ 0.75 and Compliance ≥ 0.8 borrows at a 25 % lower rate due to their trust tier.

  • AI Agent Financing: An AI model registered under a human Registrant with strong Governance and Security metrics receives operational funding from a verified investor pool.

Integration Pathways

  • IDA Synergy: GIL applications can reference IDA-generated portfolios or credibility improvement reports as supporting documentation.

  • TDX Support: Historical anonymized GIL performance data may populate dataset templates for trust-based risk modeling.

  • Ecosystem Flow: GIL interacts with the Tythe governance layer for funding decisions and with the TCT vault system for staking-linked multipliers.

Privacy and Proof

  • All eligibility and repayment proofs are zk-verified and stored as signed Trovebook receipts.

  • Public dashboards show aggregated statistics only — no personal or financial data is exposed.

  • Grant and loan disbursements are fully auditable through Tythe’s CredibilityRegistry anchors.

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