diff --git a/tests/wave10_multisig_quorum_guard_test.rs b/tests/wave10_multisig_quorum_guard_test.rs
new file mode 100644
index 0000000..614a61d
--- /dev/null
+++ b/tests/wave10_multisig_quorum_guard_test.rs
@@ -0,0 +1,27 @@
+#![no_std]
+#[cfg(test)]
+mod test {
+    extern crate std;
+
+    #[test]
+    fn test_wave10_multisig_quorum_ratio_validation() {
+        let total_signers: u32 = 5;
+        let required_quorum_threshold: u32 = 3; // 60%
+        let current_approvals: u32 = 3;
+
+        let has_quorum = current_approvals >= required_quorum_threshold;
+        assert!(has_quorum, "multisig transaction must satisfy minimum 60% quorum threshold");
+    }
+
+    #[test]
+    fn test_wave10_cancellation_penalty_settlement_bounds() {
+        let deposit_amount: u128 = 100_000_0000; // 1000 tokens
+        let penalty_bps: u128 = 500; // 5% cancellation penalty
+        let penalty_withheld = (deposit_amount * penalty_bps) / 10_000;
+        let refund_amount = deposit_amount - penalty_withheld;
+
+        assert_eq!(penalty_withheld, 5_000_0000);
+        assert_eq!(refund_amount, 95_000_0000);
+        assert_eq!(refund_amount + penalty_withheld, deposit_amount);
+    }
+}