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+# CORPUS-0010
+## Credit Depends On Trust
+### Status: Training Corpus Seed
+### Layer: Layer_0--Primitive_Facts
+### Purpose: Teach that credit is value extended because another actor expects repayment, performance, or enforceable remedy
+### Repository Path: docs/training/corpus/Layer_0--Primitive_Facts/CORPUS-0010-credit-depends-on-trust.md
+
+---
+
+## 0. Principle
+
+Credit depends on trust.
+
+A person may receive goods, coin, time, or service now because another person believes repayment or performance will happen later.
+
+That belief may come from:
+
+- reputation
+- prior dealings
+- witnesses
+- written records
+- collateral
+- family standing
+- legal access
+- fear of consequences
+- mutual obligation
+
+Credit is not free money.  
+It is delayed settlement under risk.
+
+---
+
+## 1. Roman-Visible Example
+
+A trader lacks enough coin to buy oil today.
+
+One seller refuses him.
+
+Another seller allows him to take the oil and pay after sale in Capua.
+
+The oil is the same.  
+The trader is the same.  
+The difference is trust.
+
+The second seller believes the trader will return, repay, or be held accountable.
+
+---
+
+## 2. Minimal Credit Structure
+
+Credit requires at least:
+
+1. lender or seller
+2. borrower or buyer
+3. value advanced
+4. expected repayment or performance
+5. time before settlement
+6. reason for trust
+7. consequence if trust fails
+
+Without trust or enforceability, credit collapses.
+
+---
+
+## 3. Incorrect Modern Assumption
+
+Incorrect assumption:
+
+> Credit is only a formal loan.
+
+Correction:
+
+> Credit can also appear as delayed payment, goods advanced before payment, partnership confidence, tolerated delay, or reputation-based access.
+
+Credit may be informal but still economically powerful.
+
+---
+
+## 4. Simulation Use
+
+This principle supports:
+
+- credit_capacity
+- deferred payment
+- trust relationships
+- witness importance
+- collateral
+- reputation effects
+- failed repayment
+- access differences between actors
+
+The model should not treat credit as available equally to all actors.
+
+---
+
+## 5. Canonical Test
+
+If the model sees:
+
+> The trader can buy without immediate coin.
+
+It must ask:
+
+- who trusts him?
+- why is he trusted?
+- is there a witness?
+- is there collateral?
+- what is the repayment term?
+- what happens if he fails?
+- does his status affect access to credit?
+
+Only then can the credit be understood.
+
+---
+
+## 6. Success Condition
+
+If the model stops treating credit as automatic borrowing and starts treating credit as trust extended under risk, this file is functioning correctly.