Inverse Fintech: Nineteen Claims for Debate: A Discussion Note

This discussion note puts nineteen propositions about Inverse Fintech forward for academic and public debate. Inverse Fintech is a proposed economic and financial framework in which access to productive assets precedes, rather than depends upon, conventional creditworthiness. At its centre lies a proposed economic transformation: while a physical asset depreciates over time, the verified information generated through its productive use may progressively appreciate in economic and institutional value. The propositions are ordered from the least to the most contestable, in four tiers: descriptive and definitional statements (Tier 1), plausible premises drawn from the economics of information and networks (Tier 2), hypotheses about causal mechanisms to be tested empirically (Tier 3), and normative positions on the distribution of risk and value (Tier 4). None is presented as an established empirical finding. Readers are invited to identify the first proposition they reject and to state why. The author welcomes collaboration with researchers and students, particularly in development economics, finance and information economics, to examine, challenge and further develop the framework. This note is the fourth work in the Inverse Fintech series, following the definition paper (doi:10.5281/zenodo.24046147), the explanatory paper (doi:10.5281/zenodo.24056786) and the research prospectus (doi:10.5281/zenodo.24063432).