Key diagrams

System Overview Architecture Diagram

• Three layers: User (App / Live / Tasks) → PayFi (Card / Clearing & Settlement / Risk) → On-chain (Contract Suite / Anchors).

• Highlight the event bus, ledger, KYC/AML, and merchant portal placement.

Sequence Diagram: Top-up to Spend

• Top-up → FX → Ledger Posting → Auth → Capture → Anchoring → Rebates

Swimlane Diagram: Merchant Quest → Issuance → Settlement

• Five lanes: Merchant, User, Risk Control, Contracts, Clearing & Settlement.

DID/NFT Social Card & Rights Linkage Diagram

• DID → Reputation → Social Card → Rights (Membership / Fee Discounts / Limits / Allowlist).

Anti-Fraud / Risk Signal Stack Diagram

• Pre / During / Post controls with signal sources: device, behavior, MCC, geography, history.

Public KPI Dashboard Examples

• MAPU, Card Activation Rate, Merchant GMV, Repurchase Rate, Net Demand Curve.