Dependency profile
- Dependency owner
- Regulated financial institutions and counterparties
- Affected population
- Businesses, institutions, residents, contractors
- Substitutability
- CONSTRAINED
- Switching cost
- HIGH
- Replacement time
- Scenario-specific; must be measured and tested, not assumed.
- Concentration level
- HIGH
- Non-Domination Test
- PASS_REQUIREMENTS_DEFINED
Abuse and failure paths
Abuse: Account freeze, hidden leverage, reserve opacity, discriminatory de-risking.
Failure: Liquidity run, payment outage, insurer withdrawal, fraud.
Required exit and alternatives
Exit: Multiple banks, transparent reserves where relevant, contingency liquidity, audited authority.
Portability: Portable accounting records, contracts, and claims.
Interoperability: Standard payment, identity, audit and accounting interfaces.
Independent alternative: Independent settlement channels and non-financial critical-service fallback.
Emergency handback: Freeze risky expansion; preserve payroll/critical obligations; publish limits.
Disconfirming evidence
- Failed exit drill
- Unavailable independent alternative
- Retaliation for attempted exit
- Material portability gap
- Undisclosed common-mode dependency
Truth boundary
Static risk-governance record. It does not prove an operational service, market share, capacity, dependency, alternative, or successful exit drill.
Authority and record status
Responsible authority: Competent financial authority.
Static concentration-governance record; no operational alternative or exit drill is proven.
Revision date: . Public corrections may be initiated through the diplomatic contact route.