FIFTH HOUSE OF CREATIVITY INC.

Abstract
The Ghana Wealth Alignment Protocol™ establishes sovereign wealth literacy and regenerative trust frameworks beginning in Ghana. It reframes wealth as baseline luxury—safe housing, food, health, and creativity—and integrates debt payoff into IP-backed trust models, ensuring communities own their economic expansion.

Assertions
– Wealth is not extraction or scarcity but regenerative mechanics rooted in talent and creativity.
– Debt payoff tied to IP and regenerative projects avoids long-term dependency.
– Luxury as baseline provides dignity and safety, not excess.

Mechanics
– Wealth Curriculum™: teaches asset appreciation, IP as collateral, and trust-based growth.
– Debt Payoff System: converts high-interest loans into community IP trust frameworks.
– Land/Infrastructure Alignment: estates and creative hubs act as anchor demonstrations of wealth literacy.

Valuation
– Overall system positioned in the tens of billions CAD scale.
– Each “estate + curriculum + trust” node positioned in the hundreds of millions to multi-billion CAD scale.
– Pan-African scaling multiplies valuation through licensing and replication.

Governance
– Local stewardship: Ghanaian leaders, farmers, educators.
– Fifth House oversight: sovereign structuring, trust governance, curriculum IP.

Compliance
– CRA-verified trust integration.
– Non-extractive, sovereign-only disbursement.

Risks & Mitigations
– Institutional resistance → mitigated through sovereign trust enforcement.
– Debt culture relapse → mitigated with continuous Wealth Curriculum literacy.
– IP theft → mitigated with Vault registration and Genius Trust protocols.

Evidence
– Filed August 2025.
– Protocol aligned with Fifth House wealth structuring initiatives.

Changelog
– Aug 2025: Protocol filed, valuation scale confirmed.
– Pilot activation pending Ghanaian stewardship agreements.