Commitment-Pool Route Graphs for Finance and Mutual Aid

* Article: Ruddick, William, Commitment-pool route graphs for finance and mutual aid (April 19, 2026). doi

Available at SSRN: https://ssrn.com/abstract=6606438

Abstract

"This paper develops a bounded operationalization framework for selected financial and mutual-aid institutions. It models Commitment Pooling Protocol (CPP) as a four-function operational structure: curation of admissible claims, valuation of those claims, limitation of flows, and exchange through fee and settlement logic.

The paper asks when an institutional mechanism can be realized through stable stewarded implementation interfaces without claiming legal, cultural, welfare, or historical equivalence. It formalizes a source model of finite states, actions, guarded transitions, priority or loss ordering, and settlement; a target model of commitment pools and routes; a realization mapping; and a bounded observational-equivalence criterion.

The main result is a constructive direct-realization theorem under finite-state, guard-specification, governance, routing, primitive-completeness, and settlement-compilability assumptions, with a bounded repair-extended proposition for modeled endogenous repair. Worked examples include deposits, repo-style secured lending, central counterparty clearing, rotating labor, rotating savings, grain banks, and reserve-support repair. A court-supervised restructuring case marks a direct-realization boundary."