feat(report-cards): reweight dimensions and reclassify 5 coins (v4.1)

Increase liquidity weight from 25% to 30% and decrease resilience from
25% to 20% to better reflect that swappability is the most defining
aspect of a stablecoin. Reclassify crvUSD, FRXUSD, USR, GYD, and ALUSD
from centralized-dependent to decentralized.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

Author: TokenBrice

docs/report-cards.md

@@ -2,7 +2,7 @@
 
 Multi-dimensional risk grades (A+ through F) for every tracked stablecoin. Computed on-demand by the API from live data.
 
-## Overall Grade (v4.0)
+## Overall Grade (v4.1)
 
 Two-step computation:
 
@@ -17,8 +17,8 @@ Cemetery coins get a permanent F.
 
 | Dimension | Weight | Source | Scoring |
 |-----------|--------|--------|---------|
-| **Liquidity** | 25% | `liquidityScore` from DEX liquidity | Passthrough (composite score already factors pool quality, diversity, durability) |
-| **Resilience** | 25% | Token metadata (4 sub-factors) | Weighted avg of chain risk, collateral quality, custody model, and blacklist capability |
+| **Liquidity** | 30% | `liquidityScore` from DEX liquidity | Passthrough (composite score already factors pool quality, diversity, durability) |
+| **Resilience** | 20% | Token metadata (4 sub-factors) | Weighted avg of chain risk, collateral quality, custody model, and blacklist capability |
 | **Decentralization** | 10% | Governance type + chain risk | Base: `decentralized` → 100, `centralized-dependent` → 50, `centralized` → 0. Chain-risk penalty applied for non-Ethereum chains |
 | **Dependency Risk** | 30% | Upstream stablecoin scores | Non-dependent → 95. CeFi-Dependent → blended score (upstream × weight + self-backed × 75), −10 if any < 75. NR if unmapped |
 

src/app/about/page.tsx

@@ -439,13 +439,13 @@ export default function AboutPage() {
                 <tbody className="divide-y">
                   <tr>
                     <td className="py-2 pr-4 text-foreground">Liquidity</td>
-                    <td className="py-2 pr-4">25%</td>
+                    <td className="py-2 pr-4">30%</td>
                     <td className="py-2 pr-4">DEX liquidity score</td>
                     <td className="py-2">Direct passthrough of the liquidity score (see below)</td>
                   </tr>
                   <tr>
                     <td className="py-2 pr-4 text-foreground">Resilience</td>
-                    <td className="py-2 pr-4">25%</td>
+                    <td className="py-2 pr-4">20%</td>
                     <td className="py-2 pr-4">Chain risk, collateral, custody, blacklist</td>
                     <td className="py-2">Structural resilience across 4 equally-weighted sub-factors</td>
                   </tr>
@@ -623,7 +623,7 @@ export default function AboutPage() {
 
           {/* Versioning */}
           <p className="text-xs text-muted-foreground italic">
-            Methodology version v4.0. Version increments when weights, thresholds, or dimension definitions change.
+            Methodology version v4.1. Version increments when weights, thresholds, or dimension definitions change.
           </p>
         </CardContent>
       </Card>

src/lib/report-cards.ts

@@ -27,7 +27,7 @@ import type {
 // Constants
 // ---------------------------------------------------------------------------
 
-export const METHODOLOGY_VERSION = "4.0";
+export const METHODOLOGY_VERSION = "4.1";
 
 /**
  * Base dimension weights for the overall grade.
@@ -36,8 +36,8 @@ export const METHODOLOGY_VERSION = "4.0";
  */
 export const DIMENSION_WEIGHTS: Record<DimensionKey, number> = {
   pegStability: 0,
-  liquidity: 0.25,
-  resilience: 0.25,
+  liquidity: 0.30,
+  resilience: 0.20,
   decentralization: 0.10,
   dependencyRisk: 0.30,
 };

src/lib/stablecoins.ts

@@ -669,7 +669,7 @@ export const TRACKED_STABLECOINS: StablecoinMeta[] = [
       { name: "Other Bank Deposits (EUR)", pct: 1, risk: "very-low" },
     ],
   }),
-  usd("197", "Resolv USD", "USR", "crypto-backed", "centralized-dependent", {
+  usd("197", "Resolv USD", "USR", "crypto-backed", "decentralized", {
     geckoId: "resolv-usr",
     dependencies: [{ id: "1", weight: 0.05 }, { id: "2", weight: 0.05 }],
     collateral: "ETH, wstETH (Lido), LBTC, and weETH held on-chain via Fireblocks; yield from liquid staking rewards and perpetual futures funding rates",
@@ -716,7 +716,7 @@ export const TRACKED_STABLECOINS: StablecoinMeta[] = [
       { name: "Digital assets (USDC + USDT, operational)", pct: 1, risk: "low" },
     ],
   }),
-  usd("110", "crvUSD", "crvUSD", "crypto-backed", "centralized-dependent", {
+  usd("110", "crvUSD", "crvUSD", "crypto-backed", "decentralized", {
     geckoId: "crvusd",
     dependencies: [{ id: "1", weight: 0.10 }, { id: "2", weight: 0.10 }, { id: "120", weight: 0.10 }, { id: "235", weight: 0.10 }],
     collateral: "WETH, wBTC, wstETH, sfrxETH, and tBTC deposited as collateral; LLAMMA (Lending-Liquidating AMM) performs soft liquidations by gradually converting collateral to crvUSD as prices fall",
@@ -1006,7 +1006,7 @@ export const TRACKED_STABLECOINS: StablecoinMeta[] = [
       { name: "Yield instruments (unspecified)", pct: 5, risk: "high" },
     ],
   }),
-  usd("235", "Frax USD", "FRXUSD", "rwa-backed", "centralized-dependent", {
+  usd("235", "Frax USD", "FRXUSD", "rwa-backed", "decentralized", {
     geckoId: "frax-usd",
     dependencies: [{ id: "2", weight: 0.3 }],
     collateral: "Tokenized cash-equivalent reserves held by governance-approved enshrined custodians: BlackRock BUIDL (U.S. Treasuries/repos via Securitize), Superstate USTB (T-bills) and USCC (U.S. government securities), Centrifuge JTRSY (T-bills), WisdomTree WTGXX (U.S. government money market), Agora AUSD, and Circle USDC; each custodian mints and redeems frxUSD 1:1 against reserves they hold on-chain",
@@ -1868,7 +1868,7 @@ export const TRACKED_STABLECOINS: StablecoinMeta[] = [
       { name: "CLOs & Private Credit Funds", pct: 10, risk: "high" },
     ],
   }),
-  usd("185", "Gyroscope GYD", "GYD", "crypto-backed", "centralized-dependent", {
+  usd("185", "Gyroscope GYD", "GYD", "crypto-backed", "decentralized", {
     geckoId: "gyroscope-gyd",
     dependencies: [{ id: "2", weight: 0.35 }, { id: "5", weight: 0.35 }],
     collateral: "Diversified reserve of sDAI, USDC, LUSD, and crvUSD in yield-generating vaults",
@@ -2191,7 +2191,7 @@ export const TRACKED_STABLECOINS: StablecoinMeta[] = [
       { name: "ETH", pct: 1, risk: "very-low" },
     ],
   }),
-  usd("20", "Alchemix USD", "ALUSD", "crypto-backed", "centralized-dependent", {
+  usd("20", "Alchemix USD", "ALUSD", "crypto-backed", "decentralized", {
     geckoId: "alchemix-usd",
     dependencies: [{ id: "1", weight: 0.33 }, { id: "2", weight: 0.33 }, { id: "5", weight: 0.33 }],
     collateral: "DAI, USDC, and USDT deposited into yield strategies (Yearn, Aave) via Alchemix CDPs; yield automatically repays debt",