AFS-1 ↔ Finance / Payments Mapping: Thermodynamic Authorization Without Identity

Abstract This document maps AFS-1’s thermodynamic authorization model onto existing financial systems. Identity-based authentication layers (PIN, biometrics, tokens, accounts) are replaced with CIR-1 coherence resolution inside TW-1. Settlement rails, accounting flows, and regulatory structures remain unchanged. The result is a payment architecture that is more secure, more private, and simpler than credential-based systems, while remaining fully compatible with PSD2 and PCI DSS.