Fiat, Business Data & AI-Token Flows

Distinct value paths preserve safeguarding, consent, and digital-asset controls

Fiat, Business Data & AI-Token Flows Distinct value paths preserve safeguarding, consent, and digital-asset controls 01 / Customer Sources 02 / Platform 03 / Controls 04 / Regulated Stores 05 / Destinations European SME · business customer · 01 / Customer Sources · source European SME business customer source Business OS · commerce + finance UI · 02 / Platform · NOW Business OS commerce + finance UI NOW KYB / AML · identity + risk · 03 / Controls · CONTROL KYB / AML identity + risk CONTROL EMI Ledger · e-money records · 04 / Regulated Stores · NEXT EMI Ledger e-money records NEXT Safeguarding · segregated funds · 05 / Destinations · FIAT ONLY Safeguarding segregated funds FIAT ONLY Payment Rails · SEPA + cards · 05 / Destinations · authorised Payment Rails SEPA + cards authorised Privacy Gate · consent + purpose · 03 / Controls · CONTROL Privacy Gate consent + purpose CONTROL Business Records · orders + analytics · 04 / Regulated Stores · controlled Business Records orders + analytics controlled Partner Services · approved integrations · 05 / Destinations · EXPAND Partner Services approved integrations EXPAND Self-Custody Wallet · user-authorised · 02 / Platform · EXPAND Self-Custody Wallet user-authorised EXPAND Crypto Controls · eligibility + analytics · 03 / Controls · CONTROL Crypto Controls eligibility + analytics CONTROL AI Marketplace · launch + exchange · 04 / Regulated Stores · EXPAND AI Marketplace launch + exchange EXPAND Chain Settlement · external → proprietary · 05 / Destinations · SCALE Chain Settlement external → proprietary SCALE payment instruction SAFEGUARDED FIAT identity package PII touch approved value SAFEGUARDED FIAT client funds SAFEGUARDED FIAT payment order authorised destination orders + profile CONTROLLED DATA approved records CONTROLLED DATA minimum context approved only separate opt-in no fiat transfer signed asset intent DIGITAL ASSET eligible token flow DIGITAL ASSET service-token settlement DIGITAL ASSET Legend primary data policy / PII async batch data store

Safeguarded Fiat

  • • Fiat ends at safeguarding or authorised payment rails
  • • The EMI ledger records e-money obligations
  • • No safeguarded flow enters the token or protocol path

Controlled Context

  • • Business data passes consent and purpose controls
  • • Partners receive only approved context
  • • Analytics remains distinct from customer funds

Investor Takeaway

  • • Integration does not mean commingling
  • • Fiat, data and digital assets retain separate control perimeters
  • • Every cross-product action is explicit and auditable

Data-flow diagram • Built with Archify • Create yours ↗ • Hover to trace • R route • Click to focus • +/− zoom • M radar • [/] views • P play story • T theme • E export