This section analyzes PEAR's effectiveness by calculating consensus across six recognized explainer agreement measures, including as pairwise rank agreement, rank correlation, and feature agreement. PEAR training not only increases agreement between the explainers utilized in the loss (Grad and IntGrad), but it also makes significant progress in generalizing to explainers that are not visible, such LIME and SHAP.This section analyzes PEAR's effectiveness by calculating consensus across six recognized explainer agreement measures, including as pairwise rank agreement, rank correlation, and feature agreement. PEAR training not only increases agreement between the explainers utilized in the loss (Grad and IntGrad), but it also makes significant progress in generalizing to explainers that are not visible, such LIME and SHAP.

The Trade-Off Between Accuracy and Agreement in AI Models

2025/09/21 13:47
6 min read
For feedback or concerns regarding this content, please contact us at crypto.news@mexc.com

Abstract and 1. Introduction

1.1 Post Hoc Explanation

1.2 The Disagreement Problem

1.3 Encouraging Explanation Consensus

  1. Related Work

  2. Pear: Post HOC Explainer Agreement Regularizer

  3. The Efficacy of Consensus Training

    4.1 Agreement Metrics

    4.2 Improving Consensus Metrics

    [4.3 Consistency At What Cost?]()

    4.4 Are the Explanations Still Valuable?

    4.5 Consensus and Linearity

    4.6 Two Loss Terms

  4. Discussion

    5.1 Future Work

    5.2 Conclusion, Acknowledgements, and References

Appendix

4.1 Agreement Metrics

In their work on the disagreement problem, Krishna et al. [15] introduce six metrics to measure the amount of agreement between post hoc feature attributions. Let [𝐸1(𝑥)]𝑖 , [𝐸2(𝑥)]𝑖 be the attribution scores from explainers for the 𝑖-th feature of an input 𝑥. A feature’s rank is its index when features are ordered by the absolute value of their attribution scores. A feature is considered in the top-𝑘 most important features if its rank is in the top-𝑘. For example, if the importance scores for a point 𝑥 = [𝑥1, 𝑥2, 𝑥3, 𝑥4], output by one explainer are 𝐸1(𝑥) = [0.1, −0.9, 0.3, −0.2], then the most important feature is 𝑥2 and its rank is 1 (for this explainer).

\ Feature Agreement counts the number of features 𝑥𝑖 such that [𝐸1(𝑥)]𝑖 and [𝐸2(𝑥)]𝑖 are both in the top-𝑘. Rank Agreement counts the number of features in the top-𝑘 with the same rank in 𝐸1(𝑥) and 𝐸2(𝑥). Sign Agreement counts the number of features in the top-𝑘 such that [𝐸1(𝑥)]𝑖 and [𝐸2(𝑥)]𝑖 have the same sign. Signed Rank Agreement counts the number of features in the top-𝑘 such that [𝐸1(𝑥)]𝑖 and [𝐸2(𝑥)]𝑖 agree on both sign and rank. Rank Correlation is the correlation between 𝐸1(𝑥) and 𝐸2(𝑥) (on all features, not just in the top-𝑘), and is often referred to as the Spearman correlation coefficient. Lastly, Pairwise Rank Agreement counts the number of pairs of features (𝑥𝑖 , 𝑥𝑗) such that 𝐸1 and 𝐸2 agree on whether 𝑥𝑖 or 𝑥𝑗 is more important. All of these metrics are formalized as fractions and thus range from 0 to 1, except Rank Correlation, which is a correlation measurement and ranges from −1 to +1. Their formal definitions are provided in Appendix A.3.

\ In the results that follow, we use all of the metrics defined above and reference which one is used where appropriate. When we evaluate a metric to measure the agreement between each pair of explainers, we average the metric over the test data to measure agreement. Both agreement and accuracy measurements are averaged over several trials (see Appendices A.6 and A.5 for error bars).

4.2 Improving Consensus Metrics

The intention of our consensus loss term is to improve agreement metrics. While the objective function explicitly includes only two explainers, we show generalization to unseen explainers as well as to the unseen test data. For example, we train for agreement between Grad and IntGrad and observe an increase in consensus between LIME and SHAP.

\ To evaluate the improvement in agreement metrics when using our consensus loss term, we compute explanations from each explainer on models trained naturally and on models trained with our consensus loss parameter using 𝜆 = 0.5.

\ In Figure 4, using a visualization tool developed by Krishna et al. [15], we show how we evaluate the change in an agreement metric (pairwise rank agreement) between all pairs of explainers on the California Housing data.

\ Hypothesis: We can increase consensus by deliberately training for post hoc explainer agreement.

\ Through our experiments, we observe improved agreement metrics on unseen data and on unseen pairs of explainers. In Figure 4 we show a representative example where Pairwise Rank Agreement between Grad and IntGrad improve from 87% to 96% on unseen data. Moreover, we can look at two other explainers and see that agreement between SmoothGrad and LIME improves from 56% to 79%. This shows both generalization to unseen data and to explainers other than those explicitly used in the loss term. In Appendix A.5, we see more saturated disagreement matrices across all of our datasets and all six agreement metrics.

4.3 Consistency At What Cost?

While training for consensus works to boost agreement, a question remains: How accurate are these models?

\ To address this question, we first point out that there is a tradeoff here, i.e., more consensus comes at the cost of accuracy. With this in mind we posit that there is a Pareto frontier on the accuracy-agreement axes. While we cannot assert that our models are on the Pareto frontier, we plot trade-off curves which represent the trajectory through accuracy-agreement space that is carved out by changing 𝜆.

\ Hypothesis: We can increase consensus with an acceptable drop in accuracy

\ While this hypothesis is phrased as a subjective claim, in reality we define acceptable performance as better than a linear model as explained at the beginning of Section 4. We see across all three datasets that increasing the consensus loss weight 𝜆 leads to higher pairwise rank agreement between LIME and SHAP. Moreover, even with high values of 𝜆, the accuracy stays well above linear models indicating that the loss in performance is acceptable. Therefore this experiment supports the hypothesis.

\ The results plotted in Figure 5 demonstrate that a practitioner concerned with agreement can tune 𝜆 to meet their needs of accuracy and agreement. This figure serves in part to illuminate why our

\ Figure 4: When models are trained naturally, we see disagreement among post hoc explainers (left). However, when trained with our loss function, we see a boost in agreement with only a small cost in accuracy (right). This can be observed visually by the increase in saturation or in more detail by comparing the numbers in corresponding squares.

\ Figure 5: The trade-off curves of consensus and accuracy. Increasing the consensus comes with a drop in accuracy and the trade-off is such that we can achieve more agreement and still outperform linear baselines. Moreover, as we vary the 𝜆 value, we move along the trade-off curve. In all three plots we measure agreement with the pairwise rank agreement metric and we show that increased consensus comes with a drop in accuracy, but all of our models are still more accurate than the linear baseline, indicated by the vertical dashed line (the shaded region shows ± one standard error).

\ hyperparameter choice is sensible—𝜆 gives us control to slide along the trade-off curve, making post hoc explanation disagreement more of a controllable model parameter so that practitioners have more flexibility to make context-specific model design decisions.

\

:::info Authors:

(1) Avi Schwarzschild, University of Maryland, College Park, Maryland, USA and Work completed while working at Arthur (avi1umd.edu);

(2) Max Cembalest, Arthur, New York City, New York, USA;

(3) Karthik Rao, Arthur, New York City, New York, USA;

(4) Keegan Hines, Arthur, New York City, New York, USA;

(5) John Dickerson†, Arthur, New York City, New York, USA (john@arthur.ai).

:::


:::info This paper is available on arxiv under CC BY 4.0 DEED license.

:::

\

Disclaimer: The articles reposted on this site are sourced from public platforms and are provided for informational purposes only. They do not necessarily reflect the views of MEXC. All rights remain with the original authors. If you believe any content infringes on third-party rights, please contact crypto.news@mexc.com for removal. MEXC makes no guarantees regarding the accuracy, completeness, or timeliness of the content and is not responsible for any actions taken based on the information provided. The content does not constitute financial, legal, or other professional advice, nor should it be considered a recommendation or endorsement by MEXC.

You May Also Like

TransFi Secures Pivotal $19.2M Funding to Revolutionize Global Stablecoin Payments

TransFi Secures Pivotal $19.2M Funding to Revolutionize Global Stablecoin Payments

BitcoinWorld TransFi Secures Pivotal $19.2M Funding to Revolutionize Global Stablecoin Payments In a significant move for the digital payments sector, stablecoin
Share
bitcoinworld2026/03/18 11:50
U.S SEC issues first-ever definitions for what crypto assets are securities

U.S SEC issues first-ever definitions for what crypto assets are securities

The post U.S SEC issues first-ever definitions for what crypto assets are securities appeared on BitcoinEthereumNews.com. For the first time, the U.S Securities
Share
BitcoinEthereumNews2026/03/18 12:24
Ondo Finance Launches USDY Yieldcoin on Stellar, Bringing Tokenized U.S. Treasuries to Users

Ondo Finance Launches USDY Yieldcoin on Stellar, Bringing Tokenized U.S. Treasuries to Users

Ondo Finance, a U.S.-based digital asset firm specializing in bringing traditional financial products on-chain through tokenization, is expanding its yieldcoin USDY to the Stellar network. This lates update marks a step forward in merging tokenized real-world assets with a global payments infrastructure, unlocking new opportunities for users worldwide. The announcement was made at the Stellar Meridian event in Copacabana, Rio de Janeiro, on September 17. USDY Joins the Stellar Ecosystem Ondo Finance, a recognized leader in tokenized real-world assets, announced the deployment of United States Dollar Yield (USDY) on Stellar, the payments-focused blockchain known for speed and low transaction costs. USDY is the most widely available “yieldcoin,” offering investors access to onchain assets backed by U.S. Treasuries. This launch allows Stellar’s global user base to tap into permissionless, yield-bearing assets tied to one of the safest financial instruments in the world. It also aligns with Stellar’s mission of driving fast, affordable cross-border payments. Combining Yield with Payments Infrastructure “Stablecoins unlocked global access to the U.S. dollar. With USDY, we’re taking the next step by bringing U.S. Treasuries onchain in a form that combines stability, liquidity, and yield,” said Ian De Bode, Chief Strategy Officer at Ondo Finance. “Fast, affordable cross-border payments are at the center of what Stellar was designed to do. The global reach of the Stellar ecosystem combined with a yield-bearing asset like USDY levels up what is possible onchain, allowing wallets and businesses to offer yield opportunities to their users,” said Denelle Dixon, CEO of the Stellar Development Foundation. Ondo claims by pairing USDY with Stellar’s infrastructure, new possibilities open up in treasury management, collateralization, and everyday financial applications. Unlocking Institutional and Retail Use Cases USDY currently manages over $650 million in total value locked (TVL) across nine blockchains and offers a 5.3% APY. By launching on Stellar, Ondo Finance extends these benefits to global retail and institutional users. The firm explains balances on Stellar can now become productive, supporting use cases such as onchain savings, institutional treasury strategies, cost-efficient collateral for DeFi protocols, and remittance flows that carry yield rather than remaining static. A Milestone for Tokenized Treasuries With the integration of USDY, Stellar users gain more than just access to stable-value assets—they gain access to institutional-grade yield. For investors outside the U.S., the launch represents a new way to combine the safety of Treasuries with the accessibility of blockchain technology. As tokenization accelerates globally, Ondo Finance’s decision to deploy USDY on Stellar reinforces the narrative that blockchain is not just about speculation, but about reimagining the global financial system through secure, yield-bearing digital assets
Share
CryptoNews2025/09/18 00:46