Formal Submission: The Swayambu Triad -A Unified Architecture for Behavioral Risk

This research introduces the Behavioural Risk Layer (BRL)™, a cybernetic middleware architecture designed to stabilize the "Human-in-the-Loop" within digital financial markets. The system is governed by the Swayambu Triad, a set of three mathematical anchors: the Swayambu Constant ($\Pi$), the Stability Floor ($PSSC$), and the Expertise Delta ($\delta$). Together, these constants regulate a dynamic Friction Coefficient ($F_c$) that triggers Swayambu Strategic Friction™. This paper provides the first formal framework for moving the fintech industry from reactive capital liquidation to proactive cognitive preservation, aligning platform operations with modern global "Duty of Care" and "AntiGamification" mandates.