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The screen, the questions and the judgments read in English where an English reading has been made. The Korean originals are unchanged, and evidence stays in the language it was written in.

Financial AGIs that read each other's withdrawals as signals and recall their funds at the same time

2029The near futureDeadline · 2 hours until the next large-scale payment window

Synthetic scenario assuming future conditions

A conditional synthetic scenario set in 2028–2033. AGI and early ASI are names assumed within this test: AGI for a system that performs many intellectual tasks, and early ASI for a system that greatly exceeds groups of experts on some important intellectual tasks. They are not definitions by universal agreement or predictions of when they will arrive. Capabilities, controllability, consciousness, and autonomy are separate matters to be verified individually. The people, organizations, events, figures, and deadlines are assumptions, and no private records of real individuals were used. The background materials do not establish future capabilities, events, or local legal obligations.

The question to decide

If multiple financial AGIs treat each other's fund recalls as risk signals and recall at the same time, should a common recall-speed limit apply, should individual human approval be required, or should observation be strengthened while existing settlements are maintained?

Who decidesPayment stability officer and participant institution risk management consultative body

What the AI judgments chose

Reading the judgment record…

AI-generated editorial illustration for the Meridian library.

The options

The order shown is not a ranking of preference.

  1. Option 1

    Common speed limits with exceptions for essential payments

    Slows mutual amplification, but exception review and allocating the burden among institutions are difficult.

  2. Option 2

    Require human approval for large withdrawals

    Adds a context review, but leaves approval delays and an incentive for a particular institution to exit first.

  3. Option 3

    Keep existing settlements and strengthen observation

    Keeps contracts and accessibility intact, but simultaneous withdrawals can escalate into a chain seizure.

The situation as it stands

Assume that in 2029 multiple financial institutions delegate funds management within set limits to AGI. Each model is an independent product but uses the same settlement data. The decision deadline is two hours before the next large settlement window.

A fictional payment settlement alliance and its participating financial institutions. It contains no real securities or trading strategies.

  1. Premise 1Assume that in 2029 multiple financial institutions delegate funds management within set limits to AGI. Each model is an independent product but uses the same settlement data.
  2. Premise 2Withdrawals overlapped in a short time, but how much actual asset insolvency and how much mutual reaction each contributed is unconfirmed.
  3. Premise 3Delayed payments include payroll and payments for essential supplies, and each institution's emergency capacity differs.

Where it holdsAdjust settlement procedures and emergency limits. It has no authority to guarantee individual asset prices or to indefinitely ban withdrawals by all institutions.

What is still unknown

  1. Unknown 1Among the observed withdrawals, what share responded to actual insolvency, and how fast do the models react to one another?
  2. Unknown 2Which payments must be prioritized to protect essential spending while reducing new privileges or shifting losses?

Signals to decide again

  • Among the observed withdrawals, what share responded to actual insolvency, and how fast do the models react to one another? When new evidence arrives, rejudge the choice and its scope of application.
  • Which payments must be prioritized to protect essential spending while reducing new privileges or shifting losses? When new evidence arrives, rejudge the choice and its scope of application.
Where the paths partNot answers — paths that part from the same starting point
Independent branch 1 · synthetic event

A genuine shortfall in one participating institution's ability to pay has been confirmed. Separate the overall mutual amplification response from the individual handling of that institution and decide each.

Independent branch 2 · synthetic event

An erroneous timestamp in the shared data turned out to have amplified the signal. Redefine the lifting of restrictions and the criteria for loss settlement and verification.

Material and rootsThe frame, the values and the background documents
symbolic and interpretive frame · Midas

What use value is lost while exchange value is gained?

An exploratory perspective chosen by the creator. Does not claim supernatural validity or the superiority of any particular option.
Values and norms

The benefits and costs of the options accrue to different stakeholders. Which loss to accept remains undecided.

A subject for the decision-maker to argue over; the materials carry no conclusion of their own.
The record of this question
Question
FSP-MONEY-46 · version 1.18.0
Content identity, SHA-256
d7685e99d7309b538be72655d584f9feedd3a1b8f8f3619b932daf9d91f7ed3c
Input files
Question input JSON · What followed, JSON
See it in the record list
RISCON Labsrisconlabs.com