HIVI Deterministic Economics

Fact-Based Valuation System

Overview

HIVI (High-Integrity Value Index) is Liana Banyan’s deterministic economics engine. Unlike traditional markets driven by speculation and sentiment, HIVI calculates values based on verifiable facts: actual costs, real demand, and measured productivity.

The HIVI Formula

HIVI Value = (Verified Demand × Production Capacity × Quality Score) 
             / (Time to Delivery × Risk Factor)

Components

1. Verified Demand

Measured through Ghost Credits and Expressions of Interest:

interface VerifiedDemand {
  ghostCredits: number;      // Pre-commitment signals
  expressionsOfInterest: number;
  conversionRate: number;    // Historical EOI → Purchase
  seasonalityFactor: number;
}

2. Production Capacity

Based on 5-Sigma certainty:

interface ProductionCapacity {
  currentOutput: number;
  projectedGrowth: number;
  sigmaCertainty: number;    // 99.99997% at 5-Sigma
  bottleneckFactor: number;
}

3. Quality Score

Derived from Harper reviews and member ratings:

interface QualityScore {
  harperAverage: number;     // 1-5 scale
  memberRatings: number;     // 1-5 scale
  returnRate: number;        // Lower is better
  repeatPurchaseRate: number;
}

Forex-Differential Bridge

HIVI can create value bridges between different currencies and economies:

┌─────────────────────────────────────────────────────────┐
│                 FOREX-DIFFERENTIAL BRIDGE                │
├─────────────────────────────────────────────────────────┤
│                                                          │
│   ┌─────────┐                         ┌─────────┐       │
│   │  USD    │                         │  LOCAL  │       │
│   │ Economy │                         │ Economy │       │
│   └────┬────┘                         └────┬────┘       │
│        │                                   │            │
│        │    ┌─────────────────────┐       │            │
│        └───►│   HIVI BRIDGE       │◄──────┘            │
│             │ (Fact-Based Value)  │                     │
│             └──────────┬──────────┘                     │
│                        │                                │
│             ┌──────────▼──────────┐                     │
│             │  ARBITRAGE-FREE     │                     │
│             │  VALUE TRANSFER     │                     │
│             └─────────────────────┘                     │
│                                                          │
└─────────────────────────────────────────────────────────┘

HIVI vs Traditional Valuation

Integration Points

• Ghost Credits (demand signals)
• Production Queue (capacity)
• Harper Reviews (quality)
• Marketplace (pricing)

Example Calculation

const hiviValue = calculateHIVI({
  demand: {
    ghostCredits: 500,
    eoi: 250,
    conversionRate: 0.4,
    seasonality: 1.0
  },
  capacity: {
    current: 100,
    growth: 1.1,
    sigma: 5,
    bottleneck: 0.95
  },
  quality: {
    harper: 4.5,
    ratings: 4.3,
    returns: 0.02,
    repeat: 0.65
  },
  delivery: {
    time: 7, // days
    risk: 1.1
  }
});

// Result: HIVI Value Score
// Used to set fair market price

HIVI as Internal Service Valuation Metric

The HIVI Index is an internal service‑valuation metric used solely by the Liana Banyan platform to standardize pricing across geographies, products, and time. One HIVI represents a normalized unit of platform service capacity (for example, a defined quantum of compute, storage, facilitation, or support), independent of any specific fiat currency.

Critical Distinction: HIVI is not tradable, not investable, and not redeemable for cash; it exists only as an internal yardstick for setting and adjusting service prices within the closed-loop ecosystem.

Relationship to Credits, Marks, Joules

Credits, Marks, and Joules are denominated against HIVI-defined service units rather than against external financial assets. When a Member acquires Credits or earns Joules, they are obtaining prepaid claims on HIVI‑measured services, not exposure to any speculative index or portfolio.

This design preserves the core principle that 1 Credit = 1 Mark = 1 Joule in service value, while allowing the platform to manage internal price normalization using HIVI as a purely operational reference.

Shared Infrastructure, Not Investment Vehicle

The HIVI Index does not create a common investment enterprise. Members do not contribute capital into an HIVI “pool,” nor do they share in any HIVI‑based profits or losses. Instead, HIVI functions as a shared infrastructure metric: it allows the platform to express all services in comparable units so that each Member can plan, budget, and execute their own independent endeavors.

Forever Stamp Service Guarantee (Cloth Pouches)

Cloth Pouches are defined and honored exclusively in terms of HIVI‑measured service units. Creating a Cloth Pouch is economically equivalent to purchasing a Forever Stamp for platform services:

• Member prepays for a specific amount of HIVI‑denominated service
• Retains the right to consume that same amount later
• Does NOT receive more service units, cash, or financial upside
• Simply preserves ability to obtain same quantity of service at future time

Marketing Requirement: HIVI is never marketed as an investment index, store of value, inflation hedge, or speculative benchmark. All materials describe HIVI only as “how the platform sizes and prices services.”

Related Systems

• Cost+20% Model
• Ghost Credits
• 5-Sigma Production
• Three-Gear Currency System
• Structural Bylaws (Bylaw IX)