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Service: Integrated Wallet Solution (Hybrid RWA Wallet) ​

The Integrated Wallet Solution serves as the investor's gateway to tokenized finance, providing a single, secure interface to manage both fiat currency and on-chain RWA tokens. It addresses the core challenge of bridging traditional finance with blockchain by integrating institutional-grade MPC custody (e.g., Fireblocks), seamless fiat on/off ramps, and compliance-by-design principles.

It aims to make investing in tokenized assets as simple, secure, and compliant as online banking, following the flow: KYC User → Fiat/Crypto Funding → Tokenized Investment → Automated Income → Secondary Liquidity → DeFi Collateral → Secure Custody.

This engine delivers value through key pillars:

  • Regulatory-Grade Trust: Embeds compliance (KYC/AML, asset-level rules via standards like EIP-3643) directly into wallet operations.

  • Institutional Security: Leverages MPC custody to eliminate single points of failure, combined with continuous monitoring and robust security practices.

  • Unified Access: Allows users to manage fiat (via providers like Dwolla), crypto (stablecoins, native tokens), and tokenized RWAs within one intuitive interface.

  • Programmable Finance Enabled: Facilitates interaction with RWAs that can automatically distribute yield, support governance, and potentially integrate with DeFi protocols.

  • Effortless UX: Abstracts blockchain complexity, offering a familiar fintech flow powered by on-chain capabilities (potentially including features like social recovery or gasless transactions via ERC-4337).

Core Technical Components & APIs ​

This engine manages both off-chain and on-chain financial records and interacts with multiple external systems.

Primary Models:

Governing Logic:

Primary APIs:

  • wallet-api: Exposed by this service to manage fiat wallets, funding sources, and initiate transfers (deposits, withdrawals).

  • evm-api: Used to query blockchain data (native balances, token holdings) associated with the user's EVM Wallet.

  • payment-api: Manages the investment payment process.

  • Consumed APIs: Dwolla API (for fiat wallet creation, transfers), Plaid API (for linking bank accounts), Blockchain Node RPC (for querying on-chain data).

Key Capabilities ​

The engine provides continuous management of the user's financial assets on the platform.

Phase 1: Secure Wallet Provisioning & Management ​

Creating and maintaining the user's hybrid financial identity.

  • Automated Fiat Wallet Creation: Automatically creates a fiat wallet via the integrated provider upon successful profile KYC verification.

  • MPC-Secured Crypto Wallet Integration: Provides interfaces for users to link or create an EVM Wallet address managed via the integrated MPC custody provider. Handles secure key share generation and storage.

  • Status Orchestration: Manages the fiat Wallet Status Lifecycle, guiding users through provider-specific verification steps (error_retry, error_document).

  • Funding Source Linking: Integrates with Plaid (or similar) to allow secure linking of external bank accounts (FundingSource records).

Phase 2: Seamless Fund Movement ​

Handling deposits, withdrawals, and conversions.

  • Fiat On/Off Ramps: Provides capabilities for initiating fiat deposits ("Load Funds") from linked bank accounts and withdrawals back to those accounts. Creates transaction records and manages pending balances.

  • Crypto On/Off Ramps (Stablecoins): Facilitates the purchase or sale of stablecoins, orchestrating transfers between the user's linked bank account/fiat wallet and their EVM Wallet via integrated exchange partners or payment rails.

  • Balance Calculation & Display: Continuously calculates and provides accurate current, incoming, and outgoing fiat balances, and fetches real-time crypto balances via the evm-api for display.

  • (Future) Cross-Chain Swaps: May incorporate functionality to facilitate swaps between different types of digital assets across supported blockchains.

Phase 3: Compliant Investment & Distribution Hub ​

Acting as the financial engine for RWA interactions.

Phase 4: Enabling Programmable Finance ​

Facilitating advanced interactions with tokenized assets.

  • (Future) DeFi Collateralization: May provide interfaces or data feeds to allow users to utilize their RWA tokens held in the MPC wallet as collateral in approved third-party DeFi protocols.

  • (Future) On-Chain Governance: May provide interfaces for users to participate in on-chain voting associated with their RWA token holdings.

Advanced Scenarios & Platform Resilience ​

  • Transaction Monitoring & Compliance: Integrates with the Regulatory Compliance Engine to perform automated checks (e.g., jurisdictional restrictions, sanctions screening) before allowing certain transfers.

  • MPC Recovery: Implements secure account recovery mechanisms enabled by the MPC infrastructure (e.g., social recovery, device replacement flows).

  • Gas Fee Abstraction (ERC-4337): May implement mechanisms to sponsor or abstract gas fees for certain on-chain transactions, improving user experience.

  • Provider Integration Robustness: Includes error handling, retry logic, and monitoring for all interactions with external providers, like Dwolla, Plaid, Fireblocks, Blockchain Nodes via evm-api).

  • Transaction Failures/Cancellations: Processes webhooks from Dwolla/NC for failed or cancelled transfers, updating the transaction status and reverting any temporary balance changes (e.g., removing funds from outgoing_balance).

  • Funding Source Issues: Handles scenarios where a linked bank account becomes invalid or removed, preventing its use for future transactions.

  • Security: Implements security measures related to adding/removing funding sources and initiating withdrawals (potentially integrating with fraud detection services like Sift, as mentioned in your notes).

Associated End-to-End Workflows ​