<?xml version='1.0' encoding='UTF-8'?>
<mxfile host="app.diagrams.net" agent="Codex" version="29.3.0" type="device">
  <diagram id="capital-rules-v21-ko" name="자금 규칙과 메커니즘 진단도">
    <mxGraphModel dx="1800" dy="1000" grid="0" gridSize="10" guides="1" tooltips="1" connect="1" arrows="1" fold="1" page="1" pageScale="1" pageWidth="4320" pageHeight="2324" background="#f7f6f1" math="0" shadow="0">
      <root>
        <mxCell id="0" />
        <mxCell id="1" parent="0" />
        <mxCell id="kicker" value="05 / 자금 메커니즘과 진단" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=20.5;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="18" width="3600" height="28" />
        </mxCell>
        <mxCell id="title" value="자금 규칙과 메커니즘 진단도" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=54.5;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="50" width="3312" height="70" />
        </mxCell>
        <mxCell id="subtitle" value="참여 주체·자금 유입·자산 분배에서 거래 체결·인출·실제 수령까지" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=25.5;fontColor=#61685e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="62.4" y="127" width="3780" height="34" />
        </mxCell>
        <mxCell id="head-rule" value="" style="edgeStyle=none;rounded=0;html=0;strokeColor=#d5d8cf;strokeWidth=1.4;endArrow=none;dashed=0;" edge="1" parent="1">
          <mxGeometry as="geometry" relative="1">
            <mxPoint as="sourcePoint" x="60" y="179" />
            <mxPoint as="targetPoint" x="4260" y="179" />
          </mxGeometry>
        </mxCell>
        <mxCell id="foot-rule" value="" style="edgeStyle=none;rounded=0;html=0;strokeColor=#d5d8cf;strokeWidth=1.4;endArrow=none;dashed=0;" edge="1" parent="1">
          <mxGeometry as="geometry" relative="1">
            <mxPoint as="sourcePoint" x="60" y="2272" />
            <mxPoint as="targetPoint" x="4260" y="2272" />
          </mxGeometry>
        </mxCell>
        <mxCell id="footer" value="원 자금 규칙도와 이번 메커니즘 분석으로 개정 / 일반 진단 틀 · 개별 프로젝트별 확인 필요 / 2026-11-07" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=19;fontColor=#61685e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="2286" width="3600" height="26" />
        </mxCell>
        <mxCell id="folio" value="V2.1" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=19;fontColor=#61685e;align=right;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="3828" y="2286" width="432" height="26" />
        </mxCell>
        <mxCell id="version" value="V2.1 압축판 / 2026.11.07" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=28;fontColor=#365d83;align=right;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="3564" y="60" width="696" height="42" />
        </mxCell>
        <mxCell id="chain-caption" value="01  메커니즘의 주요 경로" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="194" width="960" height="40" />
        </mxCell>
        <mxCell id="chain-note" value="화살표는 점검 순서다. 실제 자금·자산 흐름과 추천 관계는 각각 추적한다." style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=24;fontColor=#61685e;align=right;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1320" y="197" width="2940" height="34" />
        </mxCell>
        <mxCell id="stage-actors-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="244" width="682" height="194" />
        </mxCell>
        <mxCell id="stage-actors-title" value="01  주체와 권한·책임" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=32;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="76.8" y="256" width="648.4" height="44" />
        </mxCell>
        <mxCell id="stage-actors-body" value="지급자·발행/운영 주체·플랫폼·보관 주체·수령자&#10;한 사람이 매수자·보유자·추천자·매도자를 겸할 수 있음&#10;자산 소유권·계약 근거·통제 권한·책임 확인" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=26;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="76.8" y="310" width="648.4" height="110" />
        </mxCell>
        <mxCell id="stage-inflow-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="763.6" y="244" width="682" height="194" />
        </mxCell>
        <mxCell id="stage-inflow-title" value="02  자금 유입" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=32;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="780.4" y="256" width="648.4" height="44" />
        </mxCell>
        <mxCell id="stage-inflow-body" value="외부 신규 입금·기존 이용자의 추가 투입·실제 수령 주체&#10;원금의 원천·금액·시점·참여 자격&#10;내부 이체와 기존 자산 재투자는 별도 기록" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=26;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="780.4" y="310" width="648.4" height="110" />
        </mxCell>
        <mxCell id="stage-allocation-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1467.2" y="244" width="682" height="194" />
        </mxCell>
        <mxCell id="stage-allocation-title" value="03  자산과 권리 분배" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=32;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1484" y="256" width="648.4" height="44" />
        </mxCell>
        <mxCell id="stage-allocation-body" value="어떤 자산/권리를 매수·발행·부여·분배하는가&#10;자격·순위·가중치·지급·보상 규칙&#10;분배 수량과 외부 지급자산은 각각 확인" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=26;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1484" y="310" width="648.4" height="110" />
        </mxCell>
        <mxCell id="stage-market-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2170.8" y="244" width="682" height="194" />
        </mxCell>
        <mxCell id="stage-market-title" value="04  가격 결정과 실제 체결" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=32;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2187.6" y="256" width="648.4" height="44" />
        </mxCell>
        <mxCell id="stage-market-body" value="참고가격 → 체결 가능 가격 → 실제 거래 체결&#10;거래 상대방·체결 가능 수량·시장 깊이·수수료&#10;거래액과 신규 외부 입금을 각각 집계" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=26;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2187.6" y="310" width="648.4" height="110" />
        </mxCell>
        <mxCell id="stage-withdrawal-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2874.4" y="244" width="682" height="194" />
        </mxCell>
        <mxCell id="stage-withdrawal-title" value="05  인출과 이체" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=32;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2891.2" y="256" width="648.4" height="44" />
        </mxCell>
        <mxCell id="stage-withdrawal-body" value="인출 자격·한도·수수료·수령 주기&#10;누가 승인·보관하고 자산 이체를 실행하는가&#10;신청·심사·내부 결제·실제 이체를 구분" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=26;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2891.2" y="310" width="648.4" height="110" />
        </mxCell>
        <mxCell id="stage-received-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="3578" y="244" width="682" height="194" />
        </mxCell>
        <mxCell id="stage-received-title" value="06  외부 계좌 실제 수령" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=32;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="3594.8" y="256" width="648.4" height="44" />
        </mxCell>
        <mxCell id="stage-received-body" value="외부 지갑·은행 계좌의 실제 수령 확인&#10;원금 회수·수익·수수료를 각각 기록&#10;미회수 자산과 미이행 의무를 명시" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=26;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="3594.8" y="310" width="648.4" height="110" />
        </mxCell>
        <mxCell id="stage-arrow-0" value="" style="edgeStyle=none;rounded=0;html=0;strokeColor=#365d83;strokeWidth=2.4;endArrow=block;endFill=1;endSize=8;jettySize=auto;exitX=1;exitY=0.5;exitDx=0;exitDy=0;entryX=0;entryY=0.5;entryDx=0;entryDy=0;fontFamily=PingFang SC;fontSize=16;fontColor=#61685e;labelBackgroundColor=#f7f6f1;" edge="1" parent="1" source="stage-actors-bg" target="stage-inflow-bg">
          <mxGeometry as="geometry" relative="1" />
        </mxCell>
        <mxCell id="stage-arrow-1" value="" style="edgeStyle=none;rounded=0;html=0;strokeColor=#365d83;strokeWidth=2.4;endArrow=block;endFill=1;endSize=8;jettySize=auto;exitX=1;exitY=0.5;exitDx=0;exitDy=0;entryX=0;entryY=0.5;entryDx=0;entryDy=0;fontFamily=PingFang SC;fontSize=16;fontColor=#61685e;labelBackgroundColor=#f7f6f1;" edge="1" parent="1" source="stage-inflow-bg" target="stage-allocation-bg">
          <mxGeometry as="geometry" relative="1" />
        </mxCell>
        <mxCell id="stage-arrow-2" value="" style="edgeStyle=none;rounded=0;html=0;strokeColor=#365d83;strokeWidth=2.4;endArrow=block;endFill=1;endSize=8;jettySize=auto;exitX=1;exitY=0.5;exitDx=0;exitDy=0;entryX=0;entryY=0.5;entryDx=0;entryDy=0;fontFamily=PingFang SC;fontSize=16;fontColor=#61685e;labelBackgroundColor=#f7f6f1;" edge="1" parent="1" source="stage-allocation-bg" target="stage-market-bg">
          <mxGeometry as="geometry" relative="1" />
        </mxCell>
        <mxCell id="stage-arrow-3" value="" style="edgeStyle=none;rounded=0;html=0;strokeColor=#365d83;strokeWidth=2.4;endArrow=block;endFill=1;endSize=8;jettySize=auto;exitX=1;exitY=0.5;exitDx=0;exitDy=0;entryX=0;entryY=0.5;entryDx=0;entryDy=0;fontFamily=PingFang SC;fontSize=16;fontColor=#61685e;labelBackgroundColor=#f7f6f1;" edge="1" parent="1" source="stage-market-bg" target="stage-withdrawal-bg">
          <mxGeometry as="geometry" relative="1" />
        </mxCell>
        <mxCell id="stage-arrow-4" value="" style="edgeStyle=none;rounded=0;html=0;strokeColor=#365d83;strokeWidth=2.4;endArrow=block;endFill=1;endSize=8;jettySize=auto;exitX=1;exitY=0.5;exitDx=0;exitDy=0;entryX=0;entryY=0.5;entryDx=0;entryDy=0;fontFamily=PingFang SC;fontSize=16;fontColor=#61685e;labelBackgroundColor=#f7f6f1;" edge="1" parent="1" source="stage-withdrawal-bg" target="stage-received-bg">
          <mxGeometry as="geometry" relative="1" />
        </mxCell>
        <mxCell id="matrix-caption" value="02  전 과정에 걸친 네 가지 관찰 차원" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=31;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="458" width="3360" height="42" />
        </mxCell>
        <mxCell id="matrix-note" value="다음은 확인 대상 항목이다. 특정 프로젝트가 이 규칙을 채택했거나 매개변수가 입증됐다는 뜻이 아니다." style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=24;fontColor=#61685e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="504" width="4200" height="32" />
        </mxCell>
        <mxCell id="matrix-head-in" value="입금" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#365d83;strokeColor=#365d83;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=30;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="295.2" y="544" width="1308.8" height="48" />
        </mxCell>
        <mxCell id="matrix-head-rule" value="규칙" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#365d83;strokeColor=#365d83;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=30;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1623.2" y="544" width="1308.8" height="48" />
        </mxCell>
        <mxCell id="matrix-head-out" value="출금" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#365d83;strokeColor=#365d83;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=30;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2951.2" y="544" width="1308.8" height="48" />
        </mxCell>
        <mxCell id="dimension-funds" value="자금" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#1b221e;strokeColor=#1b221e;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=36;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="600" width="216" height="132" />
        </mxCell>
        <mxCell id="matrix-funds-0-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="295.2" y="600" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-funds-0" value="개인별 투자 한도 / 개인별 누적 투자 한도 / 회사의 총투자 수용액&#10;참여 인원과 건수 / 단계별 입금 기준&#10;외부 신규 자금·기존 참여자 추가 투입·내부 이체 구분" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="316.8" y="610" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="matrix-funds-1-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1623.2" y="600" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-funds-1" value="투자 횟수 / 보상 계산 기준 / 자산 수량과 측정 단위&#10;외부 자산·내부 잔액·권리·토큰을 별도 기록&#10;유통 가능·이체 가능·제한된 부분을 각각 명시" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1644.8" y="610" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="matrix-funds-2-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2951.2" y="600" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-funds-2" value="최소 인출 금액 / 일일 총인출 한도 / 수수료&#10;인출 비율 통제 / 출금 용도&#10;매도·내부 결제·외부 이체를 각각 확인" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2972.8" y="610" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="dimension-return" value="수익" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#1b221e;strokeColor=#1b221e;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=36;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="740" width="216" height="132" />
        </mxCell>
        <mxCell id="matrix-return-0-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="295.2" y="740" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-return-0" value="참여 당시 수익 기대와 위험 인식&#10;누가 수익을 약속하고 어떤 자산으로 지급하는가&#10;조달 자금 유입을 영업이익으로 직접 기록하지 않음" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="316.8" y="750" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="matrix-return-1-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1623.2" y="740" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-return-1" value="투자수익 비율 / 달력일 기준 지급 속도&#10;소비 쿠폰과 잔액의 비율 / 가속 속도&#10;약속·장부 기록·매도 가능·실제 수령을 구분" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1644.8" y="750" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="matrix-return-2-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2951.2" y="740" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-return-2" value="체결 수량·체결 가격·수수료·실제 수령&#10;원금 회수·실현 수익·잔여 자산을 구분&#10;장부 평가액과 실현 가능한 가치를 각각 표시" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2972.8" y="750" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="dimension-incentive" value="인센티브" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#1b221e;strokeColor=#1b221e;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=36;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="880" width="216" height="132" />
        </mxCell>
        <mxCell id="matrix-incentive-0-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="295.2" y="880" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-incentive-0" value="추천 관계·팀 조직·자격·참여 동기&#10;신규 참여자와 동일인의 여러 역할을 구분&#10;보상 제시·전파·재투자가 행동에 미치는 영향 확인" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="316.8" y="890" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="matrix-incentive-1-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1623.2" y="880" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-incentive-1" value="팀 가속·배분 비율 / 추가 보상 / 지분 보상&#10;보유분 분할을 통한 잠금 장려: 조건·권리·회수 영향 확인&#10;신분·자격·순위·유효 가중치별로 분배 확인" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1644.8" y="890" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="matrix-incentive-2-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2951.2" y="880" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-incentive-2" value="자발적 보유·내부 재투자·강제 제한을 구분&#10;인센티브가 매도·인출 행동을 바꾸는지 확인&#10;회수 권리·이의 제기 통로·책임 주체를 보존" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2972.8" y="890" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="dimension-time" value="시간" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#1b221e;strokeColor=#1b221e;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=36;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="1020" width="216" height="132" />
        </mxCell>
        <mxCell id="matrix-time-0-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="295.2" y="1020" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-time-0" value="참여 시점 / 자금이 수익을 내기 시작하는 주기&#10;한 번 투자한 뒤 다음 투자까지의 간격&#10;실제 입금 기록 시점 기준; 매개변수 적용 버전 표시" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="316.8" y="1030" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="matrix-time-1-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1623.2" y="1020" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-time-1" value="발행·분배·잠금 해제·자격 재계산 주기&#10;유효 규칙·과거 버전·임시 변경을 구분&#10;수익 주기와 상환·지급 기한을 각각 관찰" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1644.8" y="1030" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="matrix-time-2-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2951.2" y="1020" width="1308.8" height="132" />
        </mxCell>
        <mxCell id="matrix-time-2" value="잠금 / 자금 수령 시점 T+X&#10;입금과 매칭한 뒤 출금: 실제 의존 관계와 실행 기록 확인&#10;체결 대기·심사 대기·실제 수령을 각각 측정" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=29;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2972.8" y="1030" width="1265.6" height="112" />
        </mxCell>
        <mxCell id="diagnosis-caption" value="03  매개변수를 주체·자산·시장·증거에 연결" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=31;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="1176" width="4200" height="42" />
        </mxCell>
        <mxCell id="diagnosis-asset-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="1232" width="1032" height="192" />
        </mxCell>
        <mxCell id="diagnosis-asset-title" value="01  자산과 장부 기록 단계" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="81.6" y="1244" width="988.8" height="42" />
        </mxCell>
        <mxCell id="diagnosis-asset-body" value="현금/이전 가능한 자산·내부 잔액·토큰/권리 수량을 각각 기록&#10;총발행량·기발행량·유통량·잠금·해제 예정 물량을 구분&#10;표시 시가총액·체결 가능 금액·실제 수령액을 각각 확인" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=27;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="81.6" y="1296" width="988.8" height="110" />
        </mxCell>
        <mxCell id="diagnosis-liquidity-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1116" y="1232" width="1032" height="192" />
        </mxCell>
        <mxCell id="diagnosis-liquidity-title" value="02  가격·거래 상대방·유동성" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1137.6" y="1244" width="988.8" height="42" />
        </mxCell>
        <mxCell id="diagnosis-liquidity-body" value="누가 매수·매도를 받아주는가? 가격은 어떻게 정하고 얼마나 체결 가능한가?&#10;매수 깊이·집중 매도·수수료/슬리피지 영향을 확인&#10;시장 체결 능력과 보관 주체의 자산 이체 능력을 구분" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=27;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1137.6" y="1296" width="988.8" height="110" />
        </mxCell>
        <mxCell id="diagnosis-value-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2172" y="1232" width="1032" height="192" />
        </mxCell>
        <mxCell id="diagnosis-value-title" value="03  가치 원천·준비자산·지급 충당" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2193.6" y="1244" width="988.8" height="42" />
        </mxCell>
        <mxCell id="diagnosis-value-body" value="실제 사업 수입·비용·순영업현금흐름·자금의 최종 용도&#10;준비자산의 실재·소유 주체·사용 및 현금화 가능성&#10;시점별 사용 가능 자산과 만기 지급/이행 의무를 대조" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=27;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2193.6" y="1296" width="988.8" height="110" />
        </mxCell>
        <mxCell id="diagnosis-roles-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="3228" y="1232" width="1032" height="192" />
        </mxCell>
        <mxCell id="diagnosis-roles-title" value="04  주체 역할·권리·분배 구조" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="3249.6" y="1244" width="988.8" height="42" />
        </mxCell>
        <mxCell id="diagnosis-roles-body" value="지급·발행/운영·보관·거래·최종 수령 주체를 식별&#10;동일인의 여러 역할을 따로 기록하고 이익·손실을 각각 추적&#10;자격·순위·가중치·보유 분포·집중도를 확인" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=27;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="3249.6" y="1296" width="988.8" height="110" />
        </mxCell>
        <mxCell id="diagnosis-feedback-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="1446" width="1384" height="192" />
        </mxCell>
        <mxCell id="diagnosis-feedback-title" value="05  동적 피드백과 불안정 조건" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="81.6" y="1458" width="1340.8" height="42" />
        </mxCell>
        <mxCell id="diagnosis-feedback-body" value="매수—가격/수익 기대—추천—보유/재투자의 피드백 관찰&#10;매수세 약화·매도 압력·가격·인출·신뢰의 역방향 전파 관찰&#10;가능한 전파 가정과 관찰된 역사적 사실을 구분" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=28;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="81.6" y="1510" width="1340.8" height="110" />
        </mxCell>
        <mxCell id="diagnosis-authority-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1468" y="1446" width="1384" height="192" />
        </mxCell>
        <mxCell id="diagnosis-authority-title" value="06  통제 권한·실행·책임" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1489.6" y="1458" width="1340.8" height="42" />
        </mxCell>
        <mxCell id="diagnosis-authority-body" value="누가 발행·보상·거래·인출 규칙을 바꿀 수 있는가?&#10;누가 장부 기록·개인키/자금·승인·외부 통로를 통제하는가?&#10;제도상 권한·기술적 권한·실제 행사를 구분하고 책임 주체 확인" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=28;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1489.6" y="1510" width="1340.8" height="110" />
        </mxCell>
        <mxCell id="diagnosis-evidence-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2876" y="1446" width="1384" height="192" />
        </mxCell>
        <mxCell id="diagnosis-evidence-title" value="07  증거·버전·검증 가능성" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2897.6" y="1458" width="1340.8" height="42" />
        </mxCell>
        <mxCell id="diagnosis-evidence-body" value="항목별 표시: 제도 원문 / 실행 기록 / 보도 / 전언 / 분석 가정&#10;출처 날짜·유효 버전·적용 기간·미확인 항목을 명시&#10;모르는 매개변수는 미확인으로 기록; 영이나 부재로 채우지 않음" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=28;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2897.6" y="1510" width="1340.8" height="110" />
        </mxCell>
        <mxCell id="ledgers-caption" value="04  장부를 구분하고 단계별 실현을 검증" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=31;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="1660" width="4200" height="42" />
        </mxCell>
        <mxCell id="ledger-quantity-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="1716" width="1384" height="192" />
        </mxCell>
        <mxCell id="ledger-quantity-title" value="A  자산/권리 수량 장부" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="81.6" y="1728" width="1340.8" height="42" />
        </mxCell>
        <mxCell id="ledger-quantity-body" value="보유·추가 발행/부여·분배·이전·잠금·해제를 관찰&#10;개·단위·주 등의 단위로 같은 자산끼리 집계&#10;수량 증가만으로 영업이익이나 지급용 준비자산 증가가 입증되지 않음" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=28;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="81.6" y="1780" width="1340.8" height="110" />
        </mxCell>
        <mxCell id="ledger-external-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1468" y="1716" width="1384" height="192" />
        </mxCell>
        <mxCell id="ledger-external-title" value="B  외부 자산의 실제 수입·지출 장부" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1489.6" y="1728" width="1340.8" height="42" />
        </mxCell>
        <mxCell id="ledger-external-body" value="동일 주체/연결 범위·동일 기간·동일 통화의 원래 단위를 명확히 함&#10;영업·투자·자금 조달·기타 실제 수입·지출을 구분하고 통화별 기록&#10;동일 범위 내 계좌 이체는 신규 외부 자금에 포함하지 않음" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=28;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="1489.6" y="1780" width="1340.8" height="110" />
        </mxCell>
        <mxCell id="ledger-realized-bg" value="" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#e8ece2;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=PingFang SC;fontSize=22;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2876" y="1716" width="1384" height="192" />
        </mxCell>
        <mxCell id="ledger-realized-title" value="C  실제 실현의 검증 경로" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=30;fontColor=#365d83;align=left;verticalAlign=middle;fontStyle=1;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2897.6" y="1728" width="1340.8" height="42" />
        </mxCell>
        <mxCell id="ledger-realized-body" value="장부 잔액 → 매도/환매 가능/만기 지급 → 결제 → 인출 → 실제 수령&#10;거래·이행 상대방, 결제 증빙, 이체·수령 기록 확인&#10;원금·수익·수수료·미회수 자산·잔여 의무의 증거를 각각 보관" style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=28;fontColor=#1b221e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2897.6" y="1780" width="1340.8" height="110" />
        </mxCell>
        <mxCell id="cash-reconciliation" value="기말 잔액 = 기초 잔액 + 당기 실제 유입 − 당기 실제 유출" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#365d83;strokeColor=#365d83;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=36;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="1930" width="4200" height="84" />
        </mxCell>
        <mxCell id="cash-boundary" value="동일 주체 범위·기간·통화의 원래 단위로 대조; 잔액·사용 가능 잔액·실현 가능 가치는 각각 표시." style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=25;fontColor=#61685e;align=center;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="2024" width="4200" height="34" />
        </mxCell>
        <mxCell id="cash-adjustments" value="동결/해제·환율 환산·평가 변동·기타 비수입지출 변동은 별도 대조; 토큰 발행 증가율을 외부 자금 수입·지출에 직접 대입하지 않음." style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=25;fontColor=#61685e;align=center;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="2058" width="4200" height="34" />
        </mxCell>
        <mxCell id="diagnostic-goal" value="진단 목표&#10;만기 의무를 이행할 수 있는가? 자금과 가치의 원천은 지속 가능한가?" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#1b221e;strokeColor=#1b221e;strokeWidth=1.5;fontColor=#f7f6f1;fontFamily=NanumGothic;fontSize=32;align=center;verticalAlign=middle;spacing=6;fontStyle=1;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="2108" width="2088" height="104" />
        </mxCell>
        <mxCell id="judgment-boundary" value="판단 기준&#10;현금 유입·영업이익·자산 평가액·개인 수익을 각각 계산" style="rounded=0;whiteSpace=wrap;html=0;fillColor=#eeefe8;strokeColor=#b4bcb0;strokeWidth=1.5;fontColor=#1b221e;fontFamily=NanumGothic;fontSize=32;align=center;verticalAlign=middle;spacing=6;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="2172" y="2108" width="2088" height="104" />
        </mxCell>
        <mxCell id="formula-revision" value="산식 개정: 기존 g/r/w/s 간이식을 주모형에서 제외; 신규 입금·약속 수익·이탈·운영 지출의 계산 기준과 중복 여부를 명확히 해야 함." style="text;html=0;strokeColor=none;fillColor=none;whiteSpace=wrap;rounded=0;fontFamily=NanumGothic;fontSize=24;fontColor=#61685e;align=left;verticalAlign=middle;fontStyle=0;spacing=0;" vertex="1" parent="1">
          <mxGeometry as="geometry" x="60" y="2224" width="4200" height="32" />
        </mxCell>
      </root>
    </mxGraphModel>
  </diagram>
</mxfile>