What question did this study set out to answer?

The aim is to present a novel payment architecture based on thermodynamic authorization, enhancing security and privacy.

March 2, 2026Open Access

AFS-1 ↔ Finance / Payments Mapping: Thermodynamic Authorization Without Identity

Key Points

The aim is to present a novel payment architecture based on thermodynamic authorization, enhancing security and privacy.
Mapped AFS-1’s thermodynamic authorization onto existing financial systems.
Replaced traditional identity-based authentication with CIR-1 coherence resolution.
Maintained existing settlement rails and regulatory structures.
Ensured compatibility with PSD2 and PCI DSS.
Achieved a payment architecture that enhances security and privacy.
Simplified the payment process compared to traditional credential-based systems.
Proved compatibility with established financial regulations.

Abstract

Abstract This document maps AFS-1’s thermodynamic authorization model onto existing financial systems. Identity-based authentication layers (PIN, biometrics, tokens, accounts) are replaced with CIR-1 coherence resolution inside TW-1. Settlement rails, accounting flows, and regulatory structures remain unchanged. The result is a payment architecture that is more secure, more private, and simpler than credential-based systems, while remaining fully compatible with PSD2 and PCI DSS.

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Authors

Raynor Eissens

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Ambient Systems (Netherlands)

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AFS-1 ↔ Finance / Payments Mapping: Thermodynamic Authorization Without Identity

Key Points

Abstract

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Authors

Actions

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References and Citations

Citation Network

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