Technology
Built for members and regulators
A six-layer protocol architecture designed from the ground up for non-custodial coordination, member governance, and regulatory transparency.
Layer 1
Identity & Trust
KYC verification, behavioural trust scoring, historical participation ledger, reputation weighting.
Layer 2
Circle Formation
Circle creation engine, dynamic type registry, contribution schedule logic, governance rule definition.
Layer 3
Liquidity Coordination
Rotational payout coordination, contribution pooling, settlement coordination, non-custodial multi-sig routing.
Layer 4
Governance & Capital Allocation
Voting system, community project funds, rule amendments, dispute resolution governance.
Layer 5
Intelligence Layer (AI)
Default risk prediction, contribution behaviour modelling, fraud detection (informational only).
Layer 6
Diaspora Connectivity
Cross-border participation, multi-currency settlement, time-zone-aware governance.
Architecture principles
Non-custodial by default
Members hold the keys to their multi-sig wallets. The platform never has access to private keys.
Encrypted at rest
Sensitive identity data and KYC documents encrypted with column-level encryption.
Event-driven
Every action publishes an event. Audit trail is append-only at the database layer.
Member-led execution
No platform logic initiates financial actions. Every transfer requires a passed proposal and member signatures.
Immutable audit
Every vote, decision, dispute, override permanently recorded with cryptographic ordering.
Regional aware
Multi-country, multi-currency, multi-timezone support built into core models — not bolted on.
Stack
Frontend
Next.js 14, React 18, TypeScript, Tailwind CSS, TanStack Query
Backend
Fastify, Prisma, PostgreSQL on Railway
Custody
External multi-signature escrow (members hold keys)
Auth & security
JWT, bcrypt, HTTPS-only, column encryption for KYC