We propose Disformal Dynamic Cosmological Relativity (D-DCR), an Effective Field Theory(EFT) scalar-tensor framework designed to simultaneously address the major cosmological tensionswithout invalidating the standard ΛCDM model in the early universe. In this updated version(”Platinum Fit” V9), we transcend the purely conformal approximation by adopting a Bekenstein-type physical metric. The dark sector is governed by a conformal coupling β = 0.4404 and aphenomenological disformal drag parameter Ddrag ≈ 13.05, where the conformal scale is directlyderived from galactic dynamics (acrit). The framework alleviates the Hubble tension (H0) by gener-ating an effective Phantom-type equation of state (w0 ≈ −1.15) in the late universe. Crucially, thisaccelerated expansion is achieved safely without quantum instabilities, protected by a rigorous No-Ghost condition, leading to H0 ≈ 73.13 km/s/Mpc (in agreement with SH0ES). Simultaneously, themodel resolves the S8 tension as the intense disformal drag neutralizes the fifth force on cosmologicalscales, predicting a clustering of S8 ≈ 0.748. Furthermore, the yielding spacetime inherently acts asan optically anisotropic medium, predicting a cosmic birefringence angle of ∆α ≈ 0.212◦. D-DCRoffers a unified and stable dictionary for late-universe anomalies, providing falsifiable predictions forupcoming observations.