# Metya

## Metya White Book

- [Executive Summary](https://metya.gitbook.io/metya/executive-summary.md)
- [Vision & Narrative](https://metya.gitbook.io/metya/vision-and-narrative.md): Why PayFi + SocialFi (Social = Asset, Payment = Value)
- [The “Last Mile” of Web3 Adoption: Make Tokens Truly Spendable](https://metya.gitbook.io/metya/vision-and-narrative/the-last-mile-of-web3-adoption-make-tokens-truly-spendable.md)
- [Three-Layer Vision: Relationships → Assets → Spending Loop](https://metya.gitbook.io/metya/vision-and-narrative/three-layer-vision-relationships-assets-spending-loop.md)
- [Problem Statement](https://metya.gitbook.io/metya/problem-statement.md): Structural Limits in Web2 Social/Payments
- [Common Issues in Web3 SocialFi/Payments](https://metya.gitbook.io/metya/problem-statement/common-issues-in-web3-socialfi-payments.md)
- [The Break in “Earn → Hold → Spend”](https://metya.gitbook.io/metya/problem-statement/the-break-in-earn-hold-spend.md)
- [Engineering Challenges of Payments (Compliance × Clearing × Risk)](https://metya.gitbook.io/metya/problem-statement/engineering-challenges-of-payments-compliance-clearing-risk.md)
- [Consequences for Token Economics](https://metya.gitbook.io/metya/problem-statement/consequences-for-token-economics.md)
- [Our Design Principles](https://metya.gitbook.io/metya/problem-statement/our-design-principles.md)
- [Market Landscape](https://metya.gitbook.io/metya/market-landscape.md)
- [Industry Drivers: Stablecoins/Card Rails, AI, Compliance Maturation](https://metya.gitbook.io/metya/market-landscape/industry-drivers-stablecoins-card-rails-ai-compliance-maturation.md)
- [Structured Opportunity: A Low-Friction “Earn-Hold-Spend” Trunk Line](https://metya.gitbook.io/metya/market-landscape/structured-opportunity-a-low-friction-earn-hold-spend-trunk-line.md)
- [Regional Path: Start Where Mobile Wallets + Creator Economy Are Dense](https://metya.gitbook.io/metya/market-landscape/regional-path-start-where-mobile-wallets-+-creator-economy-are-dense.md)
- [Competitive Lens: Closed Loop & Verifiability Decide](https://metya.gitbook.io/metya/market-landscape/competitive-lens-closed-loop-and-verifiability-decide.md)
- [Growth Methodology: Turn Subsidies into “Spendable, Accruable Rights”](https://metya.gitbook.io/metya/market-landscape/growth-methodology-turn-subsidies-into-spendable-accruable-rights.md)
- [Measurable Health: From “Price/Sentiment” to “Spend/Retention”](https://metya.gitbook.io/metya/market-landscape/measurable-health-from-price-sentiment-to-spend-retention.md)
- [Risks & Hedges: Front-Load Uncertainty into System Design](https://metya.gitbook.io/metya/market-landscape/risks-and-hedges-front-load-uncertainty-into-system-design.md)
- [Product & Architecture](https://metya.gitbook.io/metya/product-and-architecture.md)
- [User Layer: How AI Social Becomes “Spendable Value”](https://metya.gitbook.io/metya/product-and-architecture/user-layer-how-ai-social-becomes-spendable-value.md)
- [PayFi Middle Layer: Engineering the “Spend” Path](https://metya.gitbook.io/metya/product-and-architecture/payfi-middle-layer-engineering-the-spend-path.md)
- [Merchant Layer: Encode GMV/Repurchase/Rebates into Contracts](https://metya.gitbook.io/metya/product-and-architecture/merchant-layer-encode-gmv-repurchase-rebates-into-contracts.md)
- [Identity & Rights: Composable DID + NFT Social Cards](https://metya.gitbook.io/metya/product-and-architecture/identity-and-rights-composable-did-+-nft-social-cards.md)
- [Token & incentives: Liquid Staking V2  makes time a multiplier](https://metya.gitbook.io/metya/product-and-architecture/token-and-incentives-liquid-staking-v2-makes-time-a-multiplier.md)
- [Contracts & events (EVM/BSC)](https://metya.gitbook.io/metya/product-and-architecture/contracts-and-events-evm-bsc.md)
- [Data & observability](https://metya.gitbook.io/metya/product-and-architecture/data-and-observability.md)
- [Compliance & multi‑region ops](https://metya.gitbook.io/metya/product-and-architecture/compliance-and-multi-region-ops.md)
- [Key diagrams](https://metya.gitbook.io/metya/product-and-architecture/key-diagrams.md)
- [Token ($MY)](https://metya.gitbook.io/metya/token-usdmy.md): Utility & value
- [Sources & sinks](https://metya.gitbook.io/metya/token-usdmy/sources-and-sinks.md)
- [Tokenomics](https://metya.gitbook.io/metya/token-usdmy/tokenomics.md): (supply, allocation, release)
- [SIP release (of SIP portion)](https://metya.gitbook.io/metya/token-usdmy/sip-release-of-sip-portion.md)
- [Security & Compliance](https://metya.gitbook.io/metya/security-and-compliance.md)
- [Audit & vulnerability management](https://metya.gitbook.io/metya/security-and-compliance/audit-and-vulnerability-management.md)
- [Payments & AML compliance](https://metya.gitbook.io/metya/security-and-compliance/payments-and-aml-compliance.md): (KYC/KYB, AML/CFT, Travel Rule)
- [Content compliance & user safety](https://metya.gitbook.io/metya/security-and-compliance/content-compliance-and-user-safety.md)
- [Legal & geo availability](https://metya.gitbook.io/metya/security-and-compliance/legal-and-geo-availability.md)
- [Data security & privacy](https://metya.gitbook.io/metya/security-and-compliance/data-security-and-privacy.md)
- [Verifiability & auditability](https://metya.gitbook.io/metya/security-and-compliance/verifiability-and-auditability.md)
- [SLAs/OKRs (illustrative)](https://metya.gitbook.io/metya/security-and-compliance/slas-okrs-illustrative.md)
- [Top risks & mitigations](https://metya.gitbook.io/metya/security-and-compliance/top-risks-and-mitigations.md)
- [Team Introduction](https://metya.gitbook.io/metya/team-introduction.md): The following bios are provided by the project team
- [Roadmap](https://metya.gitbook.io/metya/roadmap.md)
- [Glossary & References](https://metya.gitbook.io/metya/glossary-and-references.md)
- [Metrics & Method](https://metya.gitbook.io/metya/glossary-and-references/metrics-and-method.md)
- [References & Standards](https://metya.gitbook.io/metya/glossary-and-references/references-and-standards.md)
- [Contract Addresses, Interfaces & SDKs (Appendix Overview)](https://metya.gitbook.io/metya/glossary-and-references/contract-addresses-interfaces-and-sdks-appendix-overview.md)
- [Appendices](https://metya.gitbook.io/metya/appendices.md): A. Fees & Limits (illustrative; vary by region/rail)
- [Card Product Specifications](https://metya.gitbook.io/metya/appendices/card-product-specifications.md): (regions, schemes, risk)
- [Data Methodology](https://metya.gitbook.io/metya/appendices/data-methodology.md): (actives, GMV, anti-cheat)
- [Legal & Compliance Path](https://metya.gitbook.io/metya/appendices/legal-and-compliance-path.md): (licensing, partners)
- [EXTERNAL LINKS](https://metya.gitbook.io/metya/external-links.md)
- [Contact us](https://metya.gitbook.io/metya/contact-us.md)

## Metya

- [Welcome](https://metya.gitbook.io/metya/metya/readme.md)
- [Quickstart](https://metya.gitbook.io/metya/metya/getting-started/quickstart.md)
- [Publish your docs](https://metya.gitbook.io/metya/metya/getting-started/publish-your-docs.md)
- [Editor](https://metya.gitbook.io/metya/metya/basics/editor.md)
- [Markdown](https://metya.gitbook.io/metya/metya/basics/markdown.md)
- [Images & media](https://metya.gitbook.io/metya/metya/basics/images-and-media.md)
- [Interactive blocks](https://metya.gitbook.io/metya/metya/basics/interactive-blocks.md)
- [OpenAPI](https://metya.gitbook.io/metya/metya/basics/openapi.md)
- [Integrations](https://metya.gitbook.io/metya/metya/basics/integrations.md)