D³-FRAUD: Digital Democratic Dynamic Fraud Response Architecture An Open Public Extension of DDGS for Ethical Cyber Fraud Containment

Minor clarification update:Clarified interpretation of time-based safeguards (system recycle vs. legal mandate).No change to core architecture, principles, or safeguards. The Digital Democratic Dynamic Fraud Response Architecture (D³-FRAUD) is an open public extension of the Digital Democratic Governance Standard (DDGS, DOI: 10.5281/zenodo.18805343), tailored for governing institutional responses to high-velocity cyber fraud panics — including engineered bank runs and phishing surges. D³-FRAUD governs the proportionate, rights-preserving institutional response process; it does not claim to eliminate fraud itself. It enforces Zero-PII by design, uses mathematical velocity and variance triggers for triage, and…