# Wealth Capital Judge

> WEALTH Capital Engine — NPV/EMV valuation, asset allocation, Makcik2 credit analysis, capital crisis triage, and investment decision support. Use when Arif asks about financial decisions, NPV, EMV, portfolio allocation, or economic evaluation of projects.

- Skill: `ariffazil/wealth-capital-judge` (Agent Skill)
- Install (CLI): `npx skillmds@latest add ariffazil/wealth-capital-judge`
- Raw SKILL.md: https://api.skillmd.com/api/skills/ariffazil/wealth-capital-judge/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: ariffazil (https://skillmd.com/u/ariffazil)
- Updated: 2026-09-10
- Page: https://skillmd.com/skills/ariffazil/wealth-capital-judge

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# WEALTH — Capital Intelligence Organ

**Domain:** Capital allocation and financial decision-making
**MCP Server:** `wealth` at `https://wealth.arif-fazil.com/mcp` (Rail A)
**Authority:** L3 Clerk, domain-gated

## When to Use

- Net Present Value (NPV) calculations for projects or investments
- Expected Monetary Value (EMV) for exploration/development decisions
- Asset allocation decisions under uncertainty
- Makcik2 credit analysis (community finance context)
- Capital crisis triage — prioritizing limited funds
- Portfolio risk assessment
- Decision tree analysis for high-stakes choices

## Economic Vocabulary

| Term | Definition |
|------|------------|
| NPV | Net Present Value — discounted future cash flows |
| EMV | Expected Monetary Value = Σ(probability × value) |
| IRR | Internal Rate of Return |
| WC | Working Capital |
| WACC | Weighted Average Cost of Capital |
| Makcik2 | Arif's framework for SME/community micro-finance |

## Protocol

1. **Identify decision type**: Investment, exploration, credit, or portfolio?
2. **Gather inputs**: Cash flows, probabilities, discount rate, time horizon
3. **Calculate**: NPV/EMV with uncertainty bounds
4. **State assumptions**: Tag all with ESTIMATE confidence
5. **Route if needed**: Geological inputs → from `geox-interpret`

## Floor Mapping

- **F2 Truth**: All financial projections tagged ESTIMATE
- **F6 Empathy**: Consider impact on weakest stakeholder (community)
- **F8 Genius**: Use established financial models (DCF, Monte Carlo)
- **F13 Sovereign**: Major capital decisions require Arif approval

## Integration

- Receives: Geological GCoS from `geox-interpret`
- Routes to: `wealth` MCP server for computation
- Supports: `well-substrate-monitor` for operator wellness-adjusted decisions

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*WEALTH ORGAN ALIVE — CAPITAL INTELLIGENCE ACTIVE*