The present disclosure relates to systems and methods for creating and using personas. The method includes receiving a first set of input signals associated with data from one or more source; receiving a second set of input signals associated with data from one or more source; converting the first set of input signals and the second set of input signals to a wavelet; constructing a persona based on the wavelet; storing the persona in a ledger; receiving a request for a decision related to a transaction; converting the request to a new wavelet; determining a difference between the new wavelet and the stored persona; generating a score based on the difference; and authorizing the transaction based on the score.