arXiv:2603.13099v1 Announce Type: new Abstract: We introduce **CRYSTAL** (*__C__lear __R__easoning via __Y__ielded __S__teps, __T__raceability and __L__ogic*), a diagnostic benchmark with 6,372 instances that evaluates multimodal reasoning through verifiable intermediate steps. We propose two complementary metrics: *Match F1*, which scores step-level precision and recall via semantic similarity matching, and *Ordered Match F1*, which further penalizes disordered reasoning chains. References are constructed through a Delphi-inspired pipeline where four independent MLLMs generate trajectories, aggregated via semantic clustering and validated through human quality gates. Evaluation of 20 MLLMs, including commercial frontier systems not used during benchmark construction, reveals systematic failures invisible to accuracy: universal cherry-picking (precision far exceeds recall), non-monotonic scaling trade-offs, and disordered reasoning where no competitive model preserves more than 60% of matched steps in correct order. Beyond evaluation, we propose the **Causal Process Reward (CPR)**, a multiplicative reward that couples answer correctness with step-level alignment, and **CPR-Curriculum**, which progressively increases reasoning difficulty during training. CPR-Curriculum achieves +32% Match F1 via GRPO where additive reward strategies fail, improving reasoning without manual step annotation.

arXiv:2601.00150v3 Announce Type: replace-cross Abstract: FCMBench is the first large-scale and privacy-compliant multimodal benchmark for real-world financial credit applications, covering tasks and robustness challenges from domain specific workflows and constraints. The current version of FCMBench covers 26 certificate types, with 5198 privacy-compliant images and 13806 paired VQA samples. It evaluates models on Perception and Reasoning tasks under real-world Robustness interferences, including 3 foundational perception tasks, 4 credit-specific reasoning tasks demanding decision-oriented visual evidence interpretation, and 10 real-world challenges for rigorous robustness stress testing. Moreover, FCMBench offers privacy-compliant realism with minimal leakage risk through in-house scenario-aware captures of manually synthesized templates, without any publicly released images. We conduct extensive evaluations of 28 state-of-the-art vision-language models spanning 14 AI companies and research institutes. Among them, Gemini 3 Pro achieves the best F1 score as a commercial model (65.16), Kimi-K2.5 achieves the best score as an open-source baseline (60.58). The mean and the std. of all tested models is 44.8 and 10.3 respectively, indicating that FCMBench is non-trivial and provides strong resolution for separating modern vision-language model capabilities. Robustness evaluations reveal that even top-performing models experience notable performance degradation under the designed challenges. We have open-sourced this benchmark to advance AI research in the credit domain and provide a domain-specific task for real-world AI applications.