Architecture

Sovereign Money Services Stack

Complete 14-layer architecture with ZTM Layer 0 foundation. Every layer open source, DAO-governed.

Live

Partial

Phase 2

TBD

Layer 0 — FoundationLive

Zero Trust Mesh (ZTM)

Flomesh ZTM · E2EE · mTLS

Layer 1TBD

Identity & KYC

Keycloak · privacyIDEA

Self-sovereign identity with privacy-preserving KYC verification.

Layer 2Partial

Custodial Wallet

HD Wallet · Gnosis Safe

Institutional-grade custodial wallet with multi-signature authorization.

Layer 3Live

Non-Custodial Wallet

MetaMask SDK · WalletConnect

Self-custody wallet integration for individual sovereignty.

Layer 4Live

Besu Chain (Clique POA)

Hyperledger Besu · 4 Validators

Private permissioned blockchain with Proof of Authority consensus.

Layer 5Live

Money Services Core

Apache Fineract · FastAPI

Open-source core banking engine for sovereign financial services.

Layer 6Phase 2

Web + Mobile UI

Next.js · React Native

Cross-platform interfaces for member access and governance.

Layer 7Phase 2

Cross-Border (USDC)

Circle USDC · Pyth Oracle

Cross-border settlement rails using USDC stablecoin bridge.

Layer 8Phase 2

OTC Desk

Bisq Network · Private Order Book

Peer-to-peer over-the-counter trading for RoyalCredits.

Layer 9Live

Tokenization

OpenZeppelin · ERC-3643

Regulatory-compliant token framework for RoyalCredits.

Layer 10Live

Treasury / Master Trust

On-Chain Multisig · UCC-1

Sovereign treasury with legal framework and on-chain controls.

Layer 11Phase 2

DAO Governance

Hypha.earth · 54 ReGen Hubs

Decentralized governance across 54 Pacific regenerative hubs.

Layer 12Phase 2

RoyalAssist

Ollama · n8n · RAG

AI-powered assistant for member support and financial literacy.

Layer 13Live

Hartford Van Dyke · 2002

Foundational Principles

The legal and philosophical foundation for sovereign currency.

Layer 14Live

Currency Issuance Principle

DAO Proposal · 3-of-5 Multi-Sig

No single individual can mint currency. Multi-sig + DAO governance enforced.

Zero Trust Security

E2EE mesh connects all 54 hubs with no central point of failure.

No Single Minting

3-of-5 multi-sig + DAO governance for all currency issuance.

1:1 Redeemable

RoyalCredits redeemable within 24 hours, backed by sovereign treasury.

Hartford Van Dyke

Grounded in 2002 principles: currency belongs to the people.

Pacific Sovereign

54 ReGen Hubs forming decentralized Pacific governance network.

Fully Open Source

Every layer uses open-source technology. No proprietary lock-in.