◀ FUIP Governance

FUIP Governance Maturity Scorecard

Evidence-based maturity assessment — what IS

27.7%
Overall Score 27.7%
0 = Missing
1 = Planned
2 = Partial
3 = Production
4 = Hardened
5 = Institutional

Activation Gate Governance

60%

Gate infrastructure, lifecycle management, prerequisite validation, Redis caching, audit integration

5 capabilities Target: 100%

Consent Management

60%

Consent infrastructure, evaluation service, cache invalidation, audit trail, purpose coverage

5 capabilities Target: 100%

Data Lifecycle Governance

60%

Retention policies, field classification policies, purge orchestration, per-store tracking, Kafka propagation

5 capabilities Target: 100%

Audit Integration

60%

AuditWriter integration, resource type coverage, severity mapping, event formatting, Kafka propagation

5 capabilities Target: 100%

IAM Integration

60%

Resource domain definitions, action patterns, role definitions, privileged operations, permission matrix

5 capabilities Target: 100%

Operational Control

60%

Replay control, processing checkpoints, governance API endpoints, route integration, decision context consent gate

5 capabilities Target: 100%

Financial Signals Foundation

0%

Raw financial behavior signal collection: payment success/failure history, retry success rate, order completion vs cancellation, refund/chargeback signals, billing punctuality. Outputs: payment_behavior_rollup, transaction_outcome_rollup, billing_stability_rollup. Financial domain only — trust/compliance signals are collected separately in F19

5 capabilities Target: 100%

Capacity & Stability Signals

0%

Commitment fulfillment estimation: order value consistency, spending patterns, subscription retention, fulfillment success, commitment consistency. Outputs: financial_stability_profile, fulfillment_reliability_profile, commitment_consistency_profile. Financial domain only — trust/compliance signals are collected separately in F19

5 capabilities Target: 100%

Derived Financial Intelligence

0%

Band-based financial intelligence (NOT scores): Payment Reliability Band, Fulfillment Capacity Band, Financial Stability Band, Behavioral Risk Band. Always explainable with reason codes. These are financial domain bands only — trust/compliance bands are derived separately in F19. Output: financial_intelligence_snapshot (financial bands only)

5 capabilities Target: 100%

Trust & Compliance Intelligence

0%

User behavior quality tracking: abuse/fraud signals, complaint frequency, dispute patterns, policy violations, refund abuse. Outputs: trust_behavior_profile, compliance_signal_snapshot. Derived: Trust Band + Compliance Band with reason codes. Trust/compliance is a SEPARATE domain from financial intelligence (F16-F18) — these bands may be composed with financial bands in F20 but domain ownership stays independent

5 capabilities Target: 100%

Sponsor & Financial Decision Support

0%

Composition layer only — assembles financial signals (F16-F18) and trust/compliance signals (F19) into decision-support snapshots. Does NOT merge domain ownership — financial and trust domains remain independent. FUIP provides signals only, it does NOT approve or deny. Outputs: sponsorship_support_snapshot, subscription_eligibility_snapshot

5 capabilities Target: 100%

Explanation & Governance Layer

0%

MANDATORY governance layer: reason code registry, explainability API, decision usage audit trail, consent-aware purpose-based filtering, purpose tagging, signal drift monitoring. Every band must have reason codes. Every usage must be audited. Internal operational signals processed under approved purpose/policy controls; external/sponsor/third-party outputs require appropriate consent, lawful basis, and purpose control. Every read path must be purpose-tagged

6 capabilities Target: 100%

Action Policies

0%

Controlled action policy framework: band-to-action mapping, premium feature gating, payment mode selection, transparency enforcement. NEVER punish silently — every restriction must produce a user-facing explanation with reason codes

5 capabilities Target: 100%
Capability Score Weight Status Evidence Hint
Gate Infrastructure
PG table fuip.activation_gates (11 cols, UNIQUE tenant_id+gate_key), PostgreSQLActivationGateRepository wired in DI
0 1 2 3 4 5
20 Production Migration 022: 20260404_fuip_governance_tables.sql, DI: PostgreSQLActivationGateRepository
Gate Lifecycle Management
Activate/suspend/list/check operations via ActivationGateService (5 methods) + AdminGovernanceGateAction endpoint
0 1 2 3 4 5
25 Production ActivationGateServiceTest: 5 tests, AdminGovernanceGateAction: POST /api/v1/fuip/admin/governance/gate
Gate Prerequisite Validation
Prerequisites checked before gate activation, RuntimeException thrown on unmet prerequisites
0 1 2 3 4 5
20 Production ActivationGateServiceTest: testActivateChecksPrerequisites
Gate Redis Caching
Gate status cached at fuip:gate:{t}:{gk} with 300s TTL, RedisGovernanceCache integration
0 1 2 3 4 5
15 Production RedisGovernanceCacheTest: testGateStatusCacheWith300sTtl
Gate Audit Trail
Gate state changes produce audit events via FuipAuditIntegrationService with high severity for activate/suspend
0 1 2 3 4 5
20 Production FuipAuditIntegrationService: auditGovernanceOperation, severity=high for activate/suspend
Capability Score Weight Status Evidence Hint
Consent Infrastructure
PG table fuip.subject_consent_states (10 cols, UNIQUE tenant_id+subject_id), PostgreSQLConsentRepository with jsonb @> operator
0 1 2 3 4 5
20 Production Migration 022: fuip.subject_consent_states, DI: PostgreSQLConsentRepository
Consent Evaluation Service
isConsentedFor() with Redis-first lookup + PG fallback, recordConsent/revokeAll lifecycle methods
0 1 2 3 4 5
25 Production ConsentEvaluationServiceTest: 5 tests covering check, record, revoke, cache
Consent Cache Invalidation
Redis key fuip:consent:{t}:{s} (600s TTL) invalidated on recordConsent and revokeAll operations
0 1 2 3 4 5
20 Production ConsentEvaluationServiceTest: testRecordConsentPersistsAndInvalidatesCache
Consent Audit Trail
Consent changes audited via FuipAuditIntegrationService + Kafka produce to fuip.governance.audit topic (#29)
0 1 2 3 4 5
15 Production ConsentEvaluationService: produce to fuip.governance.audit
Consent Purpose Coverage
All 7 ConsentPurpose enum cases handled: ANALYTICS, PERSONALIZATION, EXPERIMENTATION, COGNITIVE_PROCESSING, CROSS_DEVICE_TRACKING, ADVERTISING, SAFETY
0 1 2 3 4 5
20 Production GovernanceContractTest: testConsentPurposeHas7Cases
Capability Score Weight Status Evidence Hint
Retention Policy Framework
PG table fuip.retention_classes (10 cols, UNIQUE tenant_id+data_category) + 6 RetentionTier enum levels: EPHEMERAL through PERMANENT
0 1 2 3 4 5
20 Production Migration 022: fuip.retention_classes, RetentionTier enum: 6 cases
Field Policy Framework
PG table fuip.telemetry_field_policies (9 cols) with allowlist/denylist support, GovernancePolicyRepository (6 methods)
0 1 2 3 4 5
20 Production Migration 022: fuip.telemetry_field_policies, PostgreSQLGovernancePolicyRepository: 6 methods
Purge Orchestration
Submit/execute/status/inventory lifecycle via PurgeOrchestrationService, PG table fuip.purge_requests (11 cols)
0 1 2 3 4 5
25 Production PurgeOrchestrationServiceTest: 4 tests, AdminPurgeAction: POST /api/v1/fuip/admin/purge
Purge Store Tracking
Per-store execution log tracking purge across PG, ClickHouse, Redis, and Kafka stores
0 1 2 3 4 5
15 Production PurgeOrchestrationService: executePurge with per-store stubs
Purge Event Propagation
Purge lifecycle events produced to fuip.governance.purge Kafka topic (#28) for downstream consumers
0 1 2 3 4 5
20 Production PurgeOrchestrationServiceTest: testSubmitPurgeCreatesRequest
Capability Score Weight Status Evidence Hint
AuditWriter Integration
FuipAuditIntegrationService with nullable AuditWriter injection, 3 public methods: auditRegistryMutation, auditGovernanceOperation, auditPrivilegedAccess
0 1 2 3 4 5
20 Production DI: nullable AuditWriter pattern, FuipAuditIntegrationService: 3 public methods
Resource Type Coverage
36 auditable resource types registered across all FUIP layers, event type format: FUIP_{RESOURCE_TYPE}_{ACTION}
0 1 2 3 4 5
25 Production FuipAuditIntegrationService: 36 resource types across all FUIP layers
Severity Auto-Mapping
Dynamic severity assignment: high for delete/purge/block/rollback/merge, medium for create/activate/deactivate, low for others
0 1 2 3 4 5
20 Production FuipAuditIntegrationServiceTest: 5 tests covering severity mapping
Event Type Formatting
Consistent FUIP_{RESOURCE_TYPE}_{ACTION} naming convention for all audit events across the platform
0 1 2 3 4 5
15 Production FuipAuditIntegrationServiceTest: testEventTypeFormatting
Audit Kafka Propagation
Governance audit events produced to fuip.governance.audit Kafka topic (#29) from ConsentEvaluationService and PurgeOrchestrationService
0 1 2 3 4 5
20 Production ConsentEvaluationService + PurgeOrchestrationService: Kafka produce to fuip.governance.audit
Capability Score Weight Status Evidence Hint
IAM Resource Domains
25 resource domains defined in FuipIamResourceDefinition covering telemetry, behavior, experiments, decisions, features, algorithms, safety, governance
0 1 2 3 4 5
20 Production FuipIamResourceDefinitionTest: testHas25ResourceDomains
IAM Action Patterns
11 action patterns defined: read, list, create, update, delete, activate, deactivate, execute, export, configure, purge
0 1 2 3 4 5
20 Production FuipIamResourceDefinitionTest: testHas11ActionPatterns
IAM Role Definitions
4 predefined roles with layered inheritance: viewer -> analyst -> operator -> admin, permissions computed dynamically
0 1 2 3 4 5
20 Production FuipIamResourceDefinitionTest: testHas4PredefinedRoles, FuipIamRoleSeed: layered inheritance
Privileged Operations
10 privileged operations identified and tracked via isPrivileged(domain, action) method for elevated audit
0 1 2 3 4 5
20 Production FuipIamResourceDefinitionTest: testHas10PrivilegedOperations
Permission Matrix Completeness
Full PERMISSION_MATRIX covering all 25 resource domains with action-level granularity per role
0 1 2 3 4 5
20 Production FuipIamResourceDefinitionTest: testPermissionMatrixCoversAllDomains
Capability Score Weight Status Evidence Hint
Replay Control
Initiate/status/list operations via AdminReplayAction, PG table fuip.replay_control (16 cols), PostgreSQLReplayControlRepository (6 methods)
0 1 2 3 4 5
20 Production AdminReplayAction: POST /api/v1/fuip/admin/replay, ReplayControlRepositoryTest: 3 tests
Processing Checkpoints
PG table fuip.processing_checkpoints (11 cols, UNIQUE tenant_id+processor_key+partition_id) for consumer offset tracking
0 1 2 3 4 5
20 Production Migration 023: fuip.processing_checkpoints, ProcessingCheckpointRepositoryTest
Governance API Endpoints
3 admin POST endpoints registered: /admin/governance/gate, /admin/replay, /admin/purge with action-based routing
0 1 2 3 4 5
25 Production routes/api/fuip/governance.php: 3 route definitions
Route Integration
Governance routes wired in FUIP route group at routes/api/fuip.php, 8th phase require after safety
0 1 2 3 4 5
15 Production routes/api/fuip.php: governance require (8 phase requires total)
Decision Context Consent Gate
Non-blocking consent check in DecisionContextAssemblyService via logConsentStatus(), nullable ConsentEvaluationServiceInterface injection
0 1 2 3 4 5
20 Production DecisionContextAssemblyService: logConsentStatus(), backward-compatible nullable param
Capability Score Weight Status Evidence Hint
Payment Success/Failure History
Track payment outcomes (success, failure, decline) per user over time with payment_behavior_rollup read model aggregation
0 1 2 3 4 5
25 Missing FUTURE: payment_behavior_rollup read model, Kafka consumer from payment events
Retry Success Rate
Measure payment retry patterns and their success rates after initial failure, feeding into transaction_outcome_rollup
0 1 2 3 4 5
20 Missing FUTURE: retry pattern tracking in transaction_outcome_rollup read model
Order Completion vs Cancellation
Track order lifecycle completion rates and cancellation patterns per user, feeding into transaction_outcome_rollup
0 1 2 3 4 5
20 Missing FUTURE: order lifecycle event consumer, completion/cancellation ratio tracking
Refund & Chargeback Signals
Monitor refund frequency, chargeback disputes, and dispute resolution outcomes feeding into payment_behavior_rollup
0 1 2 3 4 5
20 Missing FUTURE: refund/chargeback event consumer, dispute signal aggregation
Billing Punctuality
Track subscription billing timeliness, late payment patterns, and billing regularity feeding into billing_stability_rollup
0 1 2 3 4 5
15 Missing FUTURE: billing_stability_rollup read model, subscription billing event consumer
Capability Score Weight Status Evidence Hint
Order Value Consistency
Track spending patterns and order value distribution stability over time, detect anomalous shifts in financial_stability_profile
0 1 2 3 4 5
20 Missing FUTURE: order value distribution tracking, stability coefficient in financial_stability_profile
Spending Pattern Analysis
Analyze frequency vs value stability over rolling windows, detect spending velocity changes (not income, only behavioral patterns)
0 1 2 3 4 5
20 Missing FUTURE: rolling window frequency/value analysis, spending velocity change detection
Subscription Retention
Monitor subscription continuity, churn patterns, and plan upgrade/downgrade behavior feeding into commitment_consistency_profile
0 1 2 3 4 5
20 Missing FUTURE: subscription lifecycle tracking, churn/retention rates, plan change patterns
Fulfillment Success Tracking
Track delivery completion, attendance, usage fulfillment across order types in fulfillment_reliability_profile read model
0 1 2 3 4 5
20 Missing FUTURE: fulfillment_reliability_profile, delivery/attendance/usage completion tracking
Commitment Consistency Profile
Aggregate commitment behavior signals (delivery + attendance + usage) into commitment_consistency_profile with rolling window computation
0 1 2 3 4 5
20 Missing FUTURE: commitment_consistency_profile aggregation service, rolling window computation
Capability Score Weight Status Evidence Hint
Payment Reliability Band
Derive LOW/MEDIUM/HIGH financial band from payment success rate, retry patterns, refund ratio. Always accompanied by reason codes (e.g., HIGH_PAYMENT_SUCCESS, LOW_REFUND_RATIO). Financial domain only
0 1 2 3 4 5
25 Missing FUTURE: PaymentReliabilityBandDeriver service, consumes payment_behavior_rollup, outputs LOW/MEDIUM/HIGH + reason codes (financial domain)
Fulfillment Capacity Band
Derive LOW/MEDIUM/HIGH financial band from fulfillment success rates, delivery completion, commitment consistency with explainable reason codes. Financial domain only
0 1 2 3 4 5
20 Missing FUTURE: FulfillmentCapacityBandDeriver, consumes fulfillment_reliability_profile + commitment_consistency_profile (financial domain)
Financial Stability Band
Derive LOW/MEDIUM/HIGH financial band from spending patterns, order value consistency, billing punctuality with explainable reason codes. Financial domain only
0 1 2 3 4 5
20 Missing FUTURE: FinancialStabilityBandDeriver, consumes financial_stability_profile + billing_stability_rollup (financial domain)
Behavioral Risk Band
Derive LOW/MEDIUM/HIGH behavioral risk band from combined platform behavioral signals. Explicitly non-credit, non-income, non-financial-judgment — based only on observable platform behavior patterns. Financial domain only
0 1 2 3 4 5
20 Missing FUTURE: BehavioralRiskBandDeriver, composite from all F16/F17 behavioral signals, explicitly non-credit non-income (financial domain)
Financial Intelligence Snapshot API
Read-only API assembling financial domain bands with reason codes into financial_intelligence_snapshot. Covers financial bands only (payment reliability, fulfillment capacity, financial stability, behavioral risk). Trust/compliance bands are served separately from F19. Example: {payment_reliability: HIGH, reasons: ["95% success rate", "low refund ratio"]}
0 1 2 3 4 5
15 Missing FUTURE: GET /api/v1/fuip/financial-intelligence/snapshot, read-only, returns financial bands only + reason codes. Trust bands served separately from F19
Capability Score Weight Status Evidence Hint
Abuse & Fraud Signal Collection
Detect and record abuse patterns, fraud indicators, and system misuse signals into trust_behavior_profile read model. Trust/compliance domain — separate from financial signals (F16-F18)
0 1 2 3 4 5
25 Missing FUTURE: abuse pattern detector, consumes safety signals (F13) + behavioral signals, feeds trust_behavior_profile (trust/compliance domain)
Complaint & Dispute Tracking
Track complaint frequency, dispute patterns, resolution outcomes, and escalation rates per user over time. Trust/compliance domain
0 1 2 3 4 5
20 Missing FUTURE: complaint/dispute event consumer, frequency and resolution tracking (trust/compliance domain)
Policy Violation Monitoring
Monitor policy violations, ToS breaches, refund abuse, and compliance infractions feeding into compliance_signal_snapshot. Trust/compliance domain
0 1 2 3 4 5
20 Missing FUTURE: policy violation event consumer, compliance_signal_snapshot aggregation (trust/compliance domain)
Trust Band Derivation
Derive HIGH/MEDIUM/LOW trust band from abuse, complaint, and violation signals. Separate from financial bands (F18). Example: trust_band=LOW, reasons=[HIGH_REFUND_ABUSE, MULTIPLE_DISPUTES]. Trust/compliance domain
0 1 2 3 4 5
20 Missing FUTURE: TrustBandDeriver service, consumes trust_behavior_profile, outputs band + reason codes (trust/compliance domain, separate from F18 financial bands)
Compliance Band Derivation
Derive compliance band from policy adherence, dispute resolution patterns, and refund abuse indicators with reason codes. Trust/compliance domain — separate from financial bands (F18)
0 1 2 3 4 5
15 Missing FUTURE: ComplianceBandDeriver, consumes compliance_signal_snapshot, outputs band + reason codes (trust/compliance domain)
Capability Score Weight Status Evidence Hint
Sponsor Suitability Signals
Compose financial bands (F18) + trust bands (F19) into sponsor suitability indicators for sponsor/lender eligibility assessment (NOT approval/denial). Composition layer — does not merge domain ownership
0 1 2 3 4 5
25 Missing FUTURE: SponsorSuitabilityService, composes F18 financial bands + F19 trust bands, signal-only (no approve/deny), composition layer
Payment Affordability Indicator
Behavioral-only payment affordability indicator derived from platform behavioral/payment history signals. Does NOT use income data, does NOT use external credit bureau data, does NOT infer formal credit score. Based solely on observable platform behavior (spending patterns, billing punctuality, financial stability band)
0 1 2 3 4 5
20 Missing FUTURE: PaymentAffordabilityIndicator, behavioral-only, no income data, no credit bureau data, no formal credit score inference, platform signals only
Subscription Affordability Indicators
Signal-based subscription tier suitability (prepaid/standard/premium) composed from financial stability band + billing punctuality signals + trust band. Composition layer — does not merge domain ownership
0 1 2 3 4 5
20 Missing FUTURE: SubscriptionAffordabilityIndicator, composes F18 financial_stability band + billing_stability_rollup + F19 trust band, composition layer
Commitment Risk Indicators
Forward-looking risk indicators composed from commitment history, financial stability bands (F18), and trust/compliance bands (F19) for long-term commitment assessment. Composition layer
0 1 2 3 4 5
15 Missing FUTURE: CommitmentRiskIndicator, composes F18 financial bands + F19 trust bands + commitment_consistency_profile, composition layer
Decision Support Snapshot APIs
Read-only APIs: sponsorship_support_snapshot + subscription_eligibility_snapshot. Composes financial bands (F18) + trust bands (F19) but does not merge domain ownership. FUIP provides signals only — consuming systems make decisions
0 1 2 3 4 5
20 Missing FUTURE: GET /api/v1/fuip/decision-support/sponsorship, GET /api/v1/fuip/decision-support/subscription-eligibility, composition layer only
Capability Score Weight Status Evidence Hint
Reason Code Registry
Structured registry of all reason codes (HIGH_PAYMENT_SUCCESS, LOW_DISPUTE_RATE, CONSISTENT_ACTIVITY, HIGH_REFUND_ABUSE, etc.) with categories and human-readable descriptions
0 1 2 3 4 5
20 Missing FUTURE: ReasonCodeRegistry enum/table, categorized codes with human-readable descriptions
Explainability API
API endpoint returning band values + human-readable reason codes for any financial/trust intelligence query. Example: {"reason_codes": ["HIGH_PAYMENT_SUCCESS", "LOW_DISPUTE_RATE"]}
0 1 2 3 4 5
20 Missing FUTURE: GET /api/v1/fuip/financial-intelligence/explain/{subject_id}, returns bands + reason_codes array
Decision Usage Audit Trail
Audit log capturing every downstream system that consumes financial/trust intelligence signals — who queried, what bands, for what purpose, at what time
0 1 2 3 4 5
15 Missing FUTURE: FuipAuditIntegrationService extension for financial/trust intelligence queries, Kafka topic for audit events
Consent-Aware Purpose-Based Filtering
Purpose-based filtering of financial/trust intelligence outputs via FUIP F2 consent governance integration. Internal operational and governance-safe signals may be processed under approved internal purpose and policy controls. External-facing, sponsor-facing, advertiser-facing, and third-party-facing outputs require appropriate consent, lawful basis, and purpose control. Every read path must be purpose-tagged. External exposure must be filtered by consent/purpose rules
0 1 2 3 4 5
15 Missing FUTURE: ConsentEvaluationService integration, internal signals under policy controls, external outputs under consent/lawful basis/purpose rules
Purpose Tagging
Tag every intelligence query/response with purpose (eligibility, risk_assessment, sponsorship, subscription, internal_governance) for compliance tracking and audit
0 1 2 3 4 5
15 Missing FUTURE: PurposeTag enum (eligibility, risk_assessment, sponsorship, subscription, internal_governance), attached to every API request/response
Financial & Trust Signal Drift Monitoring
Governance-level signal drift monitoring (not ML model drift). Detects drift in band distributions over time, signal instability across rolling windows, and degradation in reliability of derived indicators. Feeds Quality Center and governance review for investigation. Non-blocking initially — observe mode only
0 1 2 3 4 5
15 Missing FUTURE: SignalDriftMonitor, tracks band distribution change, signal instability, reliability degradation. Governance support (not ML). Non-blocking observe mode initially, feeds Quality Center
Capability Score Weight Status Evidence Hint
Band-to-Action Policy Mapping
Define policy rules mapping band values (HIGH/MEDIUM/LOW) to allowed/restricted actions per use case. Configurable via governance dashboard, not hardcoded
0 1 2 3 4 5
25 Missing FUTURE: ActionPolicyEngine, configurable band-to-action rules, governance dashboard integration
Premium Feature Gating
HIGH trust/reliability -> allow premium features. LOW trust -> restrict risky operations. Always with explanation via F21 explainability layer
0 1 2 3 4 5
20 Missing FUTURE: PremiumFeatureGate, consumes trust + reliability bands, integrates F21 explainability
Payment Mode Selection
HIGH reliability -> allow subscription/credit plans. LOW reliability -> require prepaid. Policy-driven, not hardcoded, always with user-facing explanation
0 1 2 3 4 5
20 Missing FUTURE: PaymentModePolicy, consumes payment_reliability band, policy-driven mode selection
Transparency Enforcement
MANDATORY: every restriction must produce a user-facing explanation. No silent punishment. TransparencyGuard validates every action policy execution includes reason codes
0 1 2 3 4 5
20 Missing FUTURE: TransparencyGuard middleware, validates explanation presence on every restriction, blocks silent punishment
Policy Audit Trail
Audit log of every action policy execution: band values used, reason codes generated, action taken, user notified. Integrates with F4 Audit + F21 governance layer
0 1 2 3 4 5
15 Missing FUTURE: PolicyAuditService, integrates F4 AuditWriter + F21 purpose tagging, Kafka topic for policy execution events