LXMQ: A Decision Operating System for the U.S. Credit Card Economy

The U.S. credit-card economy is a platform-scale decision system. Still, it lacks a neutral decision operating system at the two moments where value is created and allocated: checkout and repayment. This working paper proposes LXMQ as a Decision OS that routes value across the consumer–issuer–merchant ecosystem via a unified financial hypergraph and a six-algorithm architecture: (i) a unified data fabric and feature graph, (ii) an adaptive spend optimizer, (iii) a dynamic pay-down scheduler, (iv) a neural rewards amplifier, (v) a predictive fee-alert guardian, and (vi) a real-time credit health predictor and simulator. The paper frames LXMQ as an infrastructure-layer system that can be distributed directly to consumers or embedded through partner applications. It is intended as a working paper/preprint and has not yet been peer reviewed.

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Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2026-03-21
DOI
https://doi.org/10.5281/zenodo.19165945
Primary Topic
Financial Distress and Bankruptcy Prediction
Type
article
Field-Weighted Citation Impact
0.00
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article

LXMQ: A Decision Operating System for the U.S. Credit Card Economy

Arun Menon
Zenodo (CERN European Organization for Nuclear Research)
Financial Distress and Bankruptcy Prediction
article

LXMQ: A Decision Operating System for the U.S. Credit Card Economy

Arun Menon
article en

Abstract

The U.S. credit-card economy is a platform-scale decision system. Still, it lacks a neutral decision operating system at the two moments where value is created and allocated: checkout and repayment. This working paper proposes LXMQ as a Decision OS that routes value across the consumer–issuer–merchant ecosystem via a unified financial hypergraph and a six-algorithm architecture: (i) a unified data fabric and feature graph, (ii) an adaptive spend optimizer, (iii) a dynamic pay-down scheduler, (iv) a neural rewards amplifier, (v) a predictive fee-alert guardian, and (vi) a real-time credit health predictor and simulator. The paper frames LXMQ as an infrastructure-layer system that can be distributed directly to consumers or embedded through partner applications. It is intended as a working paper/preprint and has not yet been peer reviewed.

Zenodo (CERN European Organization for Nuclear Research)
IDEX Corporation (United States) (US)
Industry, innovation and infrastructure
Openalex Percentile: Top 13%
Financial Distress and Bankruptcy Prediction
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