fix(report-cards): reweight decentralization 10→15%, dependency risk 30→25%

Gives decentralization more influence on the overall safety score and
reduces the outsized impact of dependency risk scoring.

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

Author: TokenBrice

docs/api-reference.md

@@ -743,7 +743,7 @@ Stablecoin risk grade cards with dimension-level scores. Grades are computed fro
   },
   "methodology": {
     "version": "3.1",
-    "weights": { "pegStability": 0.25, "liquidity": 0.20, "resilience": 0.20, "decentralization": 0.10, "dependencyRisk": 0.25 },
+    "weights": { "pegStability": 0, "liquidity": 0.30, "resilience": 0.20, "decentralization": 0.15, "dependencyRisk": 0.25 },
     "thresholds": [{ "grade": "A+", "min": 97 }, { "grade": "A", "min": 93 }, ...]
   },
   "updatedAt": 1771977600

docs/report-cards.md

@@ -19,8 +19,8 @@ Cemetery coins get a permanent F.
 |-----------|--------|--------|---------|
 | **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 |
+| **Decentralization** | 15% | Governance type + chain risk | Base: `decentralized` → 100, `centralized-dependent` → 50, `centralized` → 0. Chain-risk penalty applied for non-Ethereum chains |
+| **Dependency Risk** | 25% | Upstream stablecoin scores | Non-dependent → 95. CeFi-Dependent → blended score (upstream × weight + self-backed × 75), −10 if any < 75. NR if unmapped |
 
 ### Peg Stability (multiplier)
 

src/app/about/page.tsx

@@ -66,7 +66,7 @@ export default function AboutPage() {
                 name: "What does Pharos track?",
                 acceptedAnswer: {
                   "@type": "Answer",
-                  text: `Pharos tracks ${TRACKED_STABLECOINS.length} stablecoins across every major chain, classified by governance, backing, and peg currency. It documents ${DEAD_STABLECOINS.length} dead stablecoins in the cemetery, monitors USDC/USDT/PAXG/XAUT freeze events on-chain, provides composite peg scores with depeg detection and heatmaps, integrates independent Bluechip SMIDGE safety ratings, scores DEX liquidity depth 0–100 across decentralized exchanges, computes a daily Pharos Stability Index for ecosystem health, and issues report cards grading each stablecoin across 5 risk dimensions: Peg Stability (25%), Liquidity (20%), Resilience (20%), Decentralization (10%), and Dependency Risk (25%).`,
+                  text: `Pharos tracks ${TRACKED_STABLECOINS.length} stablecoins across every major chain, classified by governance, backing, and peg currency. It documents ${DEAD_STABLECOINS.length} dead stablecoins in the cemetery, monitors USDC/USDT/PAXG/XAUT freeze events on-chain, provides composite peg scores with depeg detection and heatmaps, integrates independent Bluechip SMIDGE safety ratings, scores DEX liquidity depth 0–100 across decentralized exchanges, computes a daily Pharos Stability Index for ecosystem health, and issues report cards grading each stablecoin across 5 risk dimensions: Peg Stability (25%), Liquidity (20%), Resilience (20%), Decentralization (15%), and Dependency Risk (25%).`,
                 },
               },
               {

src/lib/report-cards.ts

@@ -38,8 +38,8 @@ export const DIMENSION_WEIGHTS: Record<DimensionKey, number> = {
   pegStability: 0,
   liquidity: 0.30,
   resilience: 0.20,
-  decentralization: 0.10,
-  dependencyRisk: 0.30,
+  decentralization: 0.15,
+  dependencyRisk: 0.25,
 };
 
 /** Peg stability multiplier: final = base × (PSI/100)^exponent */