# Dynamic Collateralized Payment System Process

> Proprietary fintech infrastructure protocol created by Colin Sahagun enabling direct real-time collateralized spending.

**Wikidata**: [Q134008803](https://www.wikidata.org/wiki/Q134008803)  
**Source**: https://4ort.xyz/entity/dynamic-collateralized-payment-system-process

## Summary
The Dynamic Collateralized Payment System Process (DCPSP) is a proprietary fintech infrastructure protocol created by Colin Sahagun that enables direct real-time collateralized spending. It is described as a software/fintech solution referenced on CS Capital Card materials and discussed by its creator in a Medium article.

## Key Facts
- The Dynamic Collateralized Payment System Process (DCPSP) is a proprietary fintech infrastructure protocol created by Colin Sahagun.
- DCPSP is described as enabling direct real-time collateralized spending.
- Common aliases: DCPSP, DCPSP protocol, DCPSP system, Dynamic collateral system.
- Classified as software and as a fintech solution.
- The DCPSP is referenced on CS Capital Card (https://www.cscapitalcard.com).
- A Crunchbase entry for CS Capital Card also references the protocol (https://www.crunchbase.com/organization/cs-capital-card).
- The creator, Colin Sahagun, discussed the concept in a Medium article titled “What comes after credit cards I built it” (https://medium.com/@colin_95463/what-comes-after-credit-cards-i-built-it-82bd884d3c75).
- The protocol is related in context to Stelrix, a fintech company described as enabling real-time portfolio-backed spending.

## FAQs
### Q: What is the Dynamic Collateralized Payment System Process (DCPSP)?
A: DCPSP is a proprietary fintech infrastructure protocol designed to enable direct real-time collateralized spending. It is presented as software-level infrastructure created by Colin Sahagun.

### Q: Who created DCPSP?
A: DCPSP was created by Colin Sahagun, who has written about the concept in a Medium article linked from public references.

### Q: Is DCPSP open source?
A: No — DCPSP is described as proprietary, indicating it is not an open-source protocol.

### Q: How is DCPSP positioned in the market or related to other companies?
A: DCPSP is referenced in materials associated with CS Capital Card and is contextually related to fintech companies such as Stelrix, which enable real-time portfolio-backed spending.

## Why It Matters
DCPSP is significant because it is presented as an infrastructure-level protocol that enables direct, real-time use of collateral for spending. That capability changes how collateralized assets can be accessed at the point of transaction by moving the collateral relationship into real-time infrastructure rather than delayed settlement or manual verification processes. As a proprietary fintech protocol, DCPSP targets fintech developers, payment platforms, and firms exploring portfolio-backed or asset-collateralized payment products. The protocol’s positioning on CS Capital Card materials and discussion by its creator suggests it is intended to support new payment models where users’ assets or portfolios can back immediate spending. For stakeholders in payment systems, card issuance, and portfolio-backed finance, a real-time collateralized spending protocol can be an enabling component for products that need immediate collateral verification and spending authorization.

## Notable For
- Being a proprietary infrastructure protocol specifically described to enable direct real-time collateralized spending.
- Creation and authorship by Colin Sahagun, who has publicly written about the concept.
- Classification as both software and a fintech solution.
- Public references on CS Capital Card-related pages and a Crunchbase listing for CS Capital Card.
- Contextual relation to fintech firms focused on portfolio-backed real-time spending, such as Stelrix.

## Body
### Overview
- Name: Dynamic Collateralized Payment System Process (DCPSP).
- Type: Proprietary fintech infrastructure protocol.
- Primary capability: Enables direct real-time collateralized spending.
- Aliases: DCPSP, DCPSP protocol, DCPSP system, Dynamic collateral system.

### Creator and public discussion
- Creator: Colin Sahagun.
- Public discussion: Colin Sahagun authored a Medium article titled “What comes after credit cards I built it” (https://medium.com/@colin_95463/what-comes-after-credit-cards-i-built-it-82bd884d3c75), which is cited in relation to the protocol.

### Classification and references
- Instance classification: software; fintech.
- Public references include:
  - CS Capital Card website: https://www.cscapitalcard.com
  - Crunchbase entry for CS Capital Card: https://www.crunchbase.com/organization/cs-capital-card
  - Medium article by Colin Sahagun: https://medium.com/@colin_95463/what-comes-after-credit-cards-i-built-it-82bd884d3c75

### Functionality and purpose (as described)
- The protocol is described as infrastructure that enables direct, real-time collateralized spending.
- It is presented as software-level infrastructure intended for fintech payment use cases that require collateral-backed authorization in real time.

### Relationship to other entities
- Related company: Stelrix, described as a fintech company enabling real-time portfolio-backed spending (industry: fintech).
- Referenced in materials connected to CS Capital Card and its public profiles.

## References

1. [Source](https://www.cscapitalcard.com)
2. [Crunchbase](https://www.crunchbase.com/organization/cs-capital-card)
3. [Medium](https://medium.com/@colin_95463/what-comes-after-credit-cards-i-built-it-82bd884d3c75)