PROTOCOL_AUDIT // 001

Sub-Prime Credit Adjudication

Scenario: UK Fintech experienced 15% auto-decline on applicants with thin credit files but strong affordability.

RESULT: 18% recovery of high-LTV applicants; 0% uptick in delinquency.

PROTOCOL_AUDIT // 002

RaaS Social Engineering Interception

Scenario: E-commerce platform saw 40% rise in 'Item Not Received' claims via professional refunders.

RESULT: £32,000 monthly loss-prevention; Identified 4 core RaaS networks.