# Glossary & References

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This section standardizes core terms, metrics, and calculation methods, with appendix pointers for interfaces/contracts and disclosure templates so tech, BD, and compliance operate to a common spec. Example params are placeholders; final references follow official announcements and repos.
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#### Business & Economic

* PayFi — A payment paradigm centered on spendability and settlement. It connects on-chain assets/incentives with online/offline consumption and emphasizes real consumption as the primary driver of token demand.
* SocialFi — An economy in which social behavior is the source of value; the core loop is behavior → incentives → consumption.
* MAPU (Monthly Active Paying Users) — Number of unique accounts that complete ≥ 1 effective payment/consumption in a given month.
* GMV (Gross Merchandise Value) — Total value of successful transactions within a period (excludes failures/voids/full refunds).
* TPAPU (Txs Per Active Paying User) — Transactions per active paying user = effective transactions / MAPU.
* AOV (Average Order Value) — Effective amount / effective transactions.
* SoC\_MET (Share-of-Checkout in $MET) — Settlement amount priced in or discounted by $MET / total settlement amount.
* NDₜ (Net Demand) — Core indicator of whether structural demand is driven by real consumption (consumption-related demand minus net secondary supply).
* SIP (Social Influence Program / Points) — Influence incentive & points program; $MET is released daily pro-rata based on verifiable interaction/contribution.
* ME (Influence Points) — Influence points redeemable daily pro-rata into $MET; also spendable for in-product boosts.

#### Market & Market-Making

* VWAP / TWAP — Volume/Time-Weighted Average Price for buybacks, pricing, and risk references.
* ABB (Adaptive Buyback Band) — An adaptive buyback mechanism: when net demand is negative and/or liquidity is stressed, treasury executes TWAP-based distributed buybacks with periodic burns.
* ADV (Average Daily Volume) — Used for setting market-making/OTC limits.

#### Payments & Settlement

* Auth / Capture / Clearing — Three stages of card processing; reconciliation is performed by clearing windows (T+N).
* Payment Anchor — An on-chain Merkle-root anchoring event that aggregates all transactions within a settlement window, providing an auditable proof.
* Chargeback — Disputed card transaction; long-term target < 0.5% (varies by region/MCC).
* BIN / MCC — Card BIN and Merchant Category Code used for risk and fee strategies.

#### Identity & Contracts

* DID — Decentralized Identifier (W3C DID). Only summaries/pointers are posted on-chain.
* SBT (Soulbound Token, ERC-5192) — Non-transferable credentials used for reputation and compliance modules.
* Governor / Treasury / StakingV2 — Governance, treasury, and staking modules (EVM contract suite).

#### Security & Compliance

* KYC/KYB — Individual/merchant identity verification & due diligence; limits and feature availability are tiered by level.
* AML/CFT — Anti-Money Laundering/Counter-Terrorist Financing, including sanctions/PEP/adverse media screening, address intelligence, and suspicious activity monitoring.
* PII Vault — Encrypted domain for personally identifiable information; isolated from the business domain with full audit trails.
* RTO/RPO — Recovery Time Objective / Recovery Point Objective (e.g., RTO ≤ 30 min, RPO ≤ 5 min).


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