diff --git a/rfcs/duty-of-care.md b/rfcs/duty-of-care.md
new file mode 100644
index 0000000..2e71ead
--- /dev/null
+++ b/rfcs/duty-of-care.md
@@ -0,0 +1,19 @@
+---
+slug: duty-of-care
+title: Duty of Care & Vulnerability
+state: super-draft
+id: null
+repo: null
+proposed_by: ben.stull@wiggleverse.org
+proposed_at: '2026-06-01'
+graduated_at: null
+graduated_by: null
+owners:
+- ben.stull
+arbiters: []
+tags:
+- ethics
+---
+
+Some Humans are vulnerable — in financial distress, elderly, or minors — and the platform's money mechanics (stored value, breakage, balance-parking discounts) are exactly the ones that can prey on them. This RFC defines a duty of care toward vulnerability as a first-class commitment, so the sharpest edges of the credit model are watched rather than ignored. It serves Dignity and care, building on Agency and Dignity in Commerce.
+