how to decide maximum negative balance based on credit score

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https://chatgpt.com/share/699c3309-cbd0-8008-8296-e9c67e81c87c

Factor	Weight
Completed transactions	30%
Peer ratings	25%
Account age	15%
Dispute history	15%
Identity verification level	10%
Social graph strength (BrightID style)	5%

Credit Score	Max Negative Balance
0 – 30	0 (no credit)
31 – 50	-50
51 – 70	-150
71 – 85	-300
86 – 100	-500

max_negative = - (BASE_LIMIT * (credit_score / 100) ^ 2)
example: - (500 * (50/100)^2)= -125

YouTube video:
https://youtu.be/LJvDIn79Jqw?si=djOPZQS8aHDO98dK