The Speed of Time: A Pattern-Level Update-Rate Interpretation of Cosmological Structure

This paper proposes that time is an operator with a finite update rate, not a fixed background parameter. The temporal operator (T1) emerged through a single foundational event and propagated across the underlying pattern (T0) over a three-day stabilization window. The ratio of T0's extent to that duration defines a new primitive: the speed of time. Treating time as a variable update-rate field unifies several persistent cosmological anomalies — black-hole time dilation, flat galaxy rotation curves, and the apparent acceleration of cosmic expansion — without invoking dark matter or dark energy. The model is compatible with general relativity and quantum mechanics, and generates five concrete, testable predictions.