Account–Governance Platform Drift in Digital Financial Assets: A Reliability-Sensitive Socio-Technical Systems Analysis of Golden Apple’s Russian Digital Debt Issuance

Regulated digital financial assets can become more than financing instruments when issued through platform account infrastructures, but public texts do not directly reveal customer behavior. This article examines Golden Apple’s Russian digital financial asset issuance as a mechanism-informative socio-technical case and asks how public texts make account–governance platform drift visible before customer-behavior evidence is publicly closed. A 63-document public-source corpus was analyzed using source grading, document-level ordinal coding, three-coder reliability checks, PAv4 focused recoding, PAv5 construct-boundary recoding, sensitivity analysis, and A/B-only source-restriction robustness. The final model narrows the main mechanism to an Account–Governance Core (AG-Core) combining investor/customer-entry visibility, PAv4 account-infrastructure visibility, and investor-protection/risk-governance visibility. PAv5 indicates that PA-Account reached exploratory acceptable reliability, while PA-Channel and the PAv5 composite remain moderate and reliability-sensitive; PAv5 is therefore interpreted as a construct-boundary audit rather than a validated standalone scale. Financing-efficiency and consumption-right narratives are retained as supporting narrative conditions. DR-Gap diagnoses the public evidence boundary around the unclosed customer-behavior feedback loop. The article does not estimate conversion, retention, loyalty, repurchase, redemption, platform traffic, investor outcomes, or causal market effects.