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SettleMint v0.1.0 - Consumer Credit Shield & Debt Dispute Console

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@github-actions github-actions released this 15 Oct 14:38
v0.1.0
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SettleMint v0.1.0 Production Release Notes

Release Date: October 15, 2026
Publisher: Bored Polymath Studios
Classification: Consumer Advocacy & Credit Shield Desktop Console
License: MIT License
Platforms Supported: macOS (Apple Silicon / Intel Universal), Windows 10/11 (x86_64 / ARM64), Linux (Ubuntu 22.04+ / WebKitGTK 4.1)

🚀 Overview

SettleMint is a zero-telemetry, local-first consumer credit shield and debt dispute application. Version 0.1.0 marks the initial production release, codifying federal and state consumer protection statutes into an intuitive, air-gapped desktop console.

🛡️ Key Features & Statutory Engines

1. 54-Jurisdiction Statute of Limitations (SOL) Matrix

  • Complete statutory lookups across all 54 US jurisdictions (50 US States, District of Columbia, Puerto Rico, Guam, and US Virgin Islands) for Credit Card, Medical, Written Contract, and Open Account debts.
  • Anti-revival statutory enforcement for jurisdictions where partial payment cannot reset expired debts (e.g., New York CPLR § 214-i, Texas CPRC § 16.004).

2. Debt Collector Licensing & Surety Bond Registry

  • Codified regulatory agencies and mandatory bond thresholds (e.g., Texas $10,000 bond, California $25,000 bond, New Jersey $5,000 bond) to immediately catch unlicensed third-party collectors.

3. Evidentiary Brutalism Letter Studio

  • 7 codified dispute letter templates covering Debt Validation (15 U.S.C. § 1692g), CFPB Regulation F (12 CFR § 1006.34), No Surprises Act balance billing audits, UCC Article 9 repossession deficiency disputes, and Pay-For-Delete settlements.
  • Real-time side-by-side editing pane with live Bates-stamping, legal citation checklists, and one-click print/export.

4. Background System Tray Companion

  • Ultra-efficient desktop daemon running at < 25MB RSS.
  • Real-time deadline monitoring with sleep/wake clock drift compensation and instant quick-action dispute capture.

🔒 Security, Privacy & Zero-Telemetry Architecture

  • Argon2id Master Key Derivation: Memory-hardened 256-bit key derivation (64MB memory, 3 iterations, 4 parallelism lanes).
  • ChaCha20-Poly1305 AEAD Encryption: Authenticated encryption for at-rest storage and encrypted .smbak backup archives.
  • Cryptographic Memory Zeroization: Sensitive consumer data (SSNs, account numbers, master keys) implements Zeroize and ZeroizeOnDrop to scrub memory buffers immediately upon deallocation.
  • Tamper-Evident Evidence Vault: Automated SHA-256 integrity checksums, OS-level directory sandboxing, and strict MIME-type validation.
  • Crash-Resilient SQLite (WAL Mode): Write-Ahead Logging with normal synchronization, resisting process crashes (SIGKILL) and power failure.
  • 100% Air-Gapped Network Silence: Zero HTTP requests, zero telemetry beacons, zero analytics pixels. CSP strictly enforces default-src 'self'.

📦 Production Package Verification

Artifact Name Target Platform / Architecture Format Size SHA-256 Checksum
SettleMint_0.1.0_aarch64.dmg macOS Apple Silicon (M1/M2/M3/M4) DMG Installer 6.41 MiB e8a7730653fea61df35f62d87c47708ae550f6cf6e02f5d01a40ea0707d1a37d
SettleMint_0.1.0_amd64.AppImage Linux x86_64 (glibc 2.31+) Standalone AppImage 78.21 MiB 5f82be65e28fc893f0af7bd9583bf83751b35f2be8fb18b02b227ea612ef9474
SettleMint_0.1.0_amd64.deb Linux Debian / Ubuntu Debian Package 3.20 MiB 735ffd52fab9835911c134f77d55f5064151c044c3d1fd8ae040f2e9725be0a2
SettleMint_0.1.0_x64-setup.exe Windows 10/11 x86_64 NSIS Installer 2.31 MiB 404b5e8a5599091f7c463abcb7954d1865971cccaeaca5a0d30e3bbb9a70f42c
SettleMint_0.1.0_x64_en-US.msi Windows 10/11 x86_64 MSI Enterprise Installer 3.22 MiB c3b0b9a993981bb37b3e5d6c852468977d0e2321cf7171d6d483d8ef92ce98b7
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