LXMQ: A Decision Operating System for the U.S. Credit Card Economy

The U.S. credit-card economy is a platform-scale decision system. Still, it lacks a neutral decision operating system at the two moments where value is created and allocated: checkout and repayment. This working paper proposes LXMQ as a Decision OS that routes value across the consumer–issuer–merchant ecosystem via a unified financial hypergraph and a six-algorithm architecture: (i) a unified data fabric and feature graph, (ii) an adaptive spend optimizer, (iii) a dynamic pay-down scheduler, (iv) a neural rewards amplifier, (v) a predictive fee-alert guardian, and (vi) a real-time credit health predictor and simulator. The paper frames LXMQ as an infrastructure-layer system that can be distributed directly to consumers or embedded through partner applications. It is intended as a working paper/preprint and has not yet been peer reviewed.