Decision Matrix
& Governance

Every decision has an owner and a final authority

This matrix maps every material decision of 4orm Finance to an Owner (who proposes and executes), the parties whose Input is required, and the Final Authority (who decides). It integrates the Mission Anchor (document 08.4), the Founders' Voting Agreement, and the operating org chart (document 04.2). Decisions are organized in five tiers, each escalating governance involvement.

TIER	WHAT IT COVERS	FINAL AUTHORITY
1 · Constitutional	Decisions touching the Mission Anchor and the Company's constitutional commitments	TRUSTEE + 90% + REFUSAL
2 · FVA Covered Matters	Covered Matters under Section 2.1 of the Founders' Voting Agreement: capital, structure, major partnerships	FOUNDER BLOC
3 · Strategic / C-Suite	Direction, capital, regulatory posture, major partnerships; Advisory Council provides input	CEO
4 · Operational	Decisions within the operating cadence of each function, inside approved strategy and budget	FUNCTION OWNER
5 · Routine	Standard day-to-day decisions inside established frameworks and budgets	FUNCTION OWNER

Pre-sunset (Years 0 to 10), Sam and Kevin grant an irrevocable proxy to direct their vote with Chad on each Covered Matter (FVA Section 2.2). Post-sunset (Year 10 onward), a two-of-three founder majority is required (FVA Section 2.3). The Section 2.7 right of refusal on Mission Anchor matters operates as an absolute bar across both phases, regardless of voting math.

What happens when the mission is tested

Any decision asserted by any founder, director, officer, employee, or the Mission Stewardship Trustee to constitute a material deviation from the Mission Anchor is referred to independent legal counsel and the Trustee for review and recommendation. No further vote, authorization, or action is taken on the proposed deviation until that review is complete and publicly disclosed.

Crisis events, regulator-pressure freeze requests, sanctions overreach, political-pressure data requests, a debanking-coalition invitation, or a programmable-restriction adoption proposal, trigger a defined protocol:

1. Receipt logged by the CCO within four hours; CEO and Mission Stewardship Trustee notified within twenty-four hours.
2. Counsel (James Atherton or successor) reviews the legal basis within seventy-two hours.
3. The Mission Stewardship Trustee determines the mission-alignment of any compelled action.
4. A founder's right of refusal under FVA Section 2.7 may be exercised at any point. No remedy attaches to the refusing founder.
5. If compelled by a final court order with judicial review available, the Company complies, notifies affected customers where law permits, and discloses the event in the Annual Mission Anchor Compliance Report.
6. If the pressure is informal or non-judicial, the Company refuses and discloses the pressure event in the Annual Mission Anchor Compliance Report.