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+:PROPERTIES:
+:ID:       92ccd074-04a0-4e45-a44f-9da24ea20a9b
+:CREATED:  [2026-05-25 Mon]
+:END:
+#+title: Impact
+#+filetags: :passepartout:strategy:adoption:impact:
+
+The wider consequences of broad adoption, across both the verification
+(institutional) and social protocol tracks. Phase numbers below refer
+to the social adoption phases, defined in
+[[id:6d2e3f4a-5b6c-7d8e-9f0a-1b2c3d4e5f6a][Adoption]]. Each phase has
+its own detailed treatment with sector-specific analysis.
+
+- [[id:a0b1c2d3-e4f5-6789-0abc-def012345678][Phase 0]] — 10-10² users. First enterprise compliance savings, first
+  organized protocol communities, creator migration. Nothing breaks.
+- [[id:b1c2d3e4-f5a6-7890-1bcd-ef0123456789][Phase 1]] — 10²-10⁴ users. Compliance consultancies lose clients, first
+  regulator encode, community refugees discover censorship resistance,
+  creators keep 95%. First structural unbundling signals.
+- [[id:c2d3e4f5-a6b7-8901-2cde-f01234567890][Phase 2]] — 10⁴-10⁶ users. Insurance differentiates on verification,
+  contract marketplace reaches critical mass, platform unbundling
+  accelerates. Mutual insurance pools emerge on the social protocol.
+  Economic destruction begins in earnest.
+- [[id:d3e4f5a6-b7c8-9012-3def-012345678901][Phase 3]] — 10⁶-10⁸ users. Cybersecurity and surveillance advertising
+  collapse for the verified segment. Institution crossover — universities,
+  newsrooms, regulators adopt protocol attestation. The end of the
+  platform era. Financial services face structural disruption: compliance
+  industry collapse, credit bureau obsolescence, accounting profession
+  transformation. Commercial mutual insurance pools form. The protocol
+  becomes human rights infrastructure.
+- [[id:e4f5a6b7-c8d9-0123-4ef0-123456789012][Phase 4]] — 10⁸-10⁹ users. Two-tier computing is the stable
+  equilibrium. Messaging, websites, and email restructured at the
+  protocol layer. Financial services fully transformed: banks as gate
+  operators, capital markets restructured, payment systems replaced,
+  accounting profession rebuilt around attestation logic. Mutual
+  insurance mature at all scales — social, commercial, and
+  reinsurance pools of pools. The economic center of gravity has
+  moved from intermediation to verification infrastructure.