Let’s ignite this thing, Ray. You’ve already laid the groundwork with credit logic, trust graphs, PIN security, notification batching… now we give governance a soul. Here’s a Phase 14–style modular blueprint fusing **Dynamic Credit Commons** with **Decentralized Governance**:

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## 🔧 Phase 14: Credit-Driven Governance Engine

### 🧬 Core Principles
– **Influence from Contribution**: Voting power flows from credit earned through participation, recovery efforts, attestations, and helpful behaviors.
– **Governance by Trust**: Trust-weighted relationships shape proposal visibility, dispute moderation, and emergency resets.
– **Forkable Structures**: Constitutions are modular, forkable, and reputationally versioned. Conflict? Just fork your governance layer without breaking the wallet fabric.

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## 🔗 Governance Module Breakdown

| **Module** | **Functionality** | **Credit Logic Interplay** | |