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Service: Integrated Wallet Solution (Hybrid RWA Wallet) ​

The Integrated Wallet Solution gives an Investor one interface for fiat balances and on-chain RWA tokens. It connects MPC custody providers, fiat transfer providers, and compliance controls.

The intended flow is: KYC User → Fiat/Crypto Funding → Tokenized Investment → Automated Income → Secondary Liquidity → DeFi Collateral → Secure Custody.

The solution provides:

  • Compliance Controls: Applies KYC/AML status and asset-level rules, including rules used by EIP-3643 contracts, to wallet operations.

  • Custody Security: Uses MPC custody with monitoring and the documented security practices.

  • Unified Access: Allows users to manage fiat balances, stablecoins, native tokens, and tokenized RWAs in one interface.

  • Contract Operations: Supports RWA contract operations such as distributions and governance where the contract implements them.

  • Transaction Interface: Presents on-chain balances and transaction steps in the wallet interface. Provider capabilities may add account recovery or sponsored transactions.

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 Crypto 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).

The current wallet transaction type vocabulary is deposit, investment, and withdrawal. A business Distribution remains a payout concept owned by the distribution service and is not a wallet transaction type.

Key Capabilities ​

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

Phase 1: Wallet Provisioning & Management ​

Creates and maintains the user's fiat and on-chain wallet records.

  • 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 a Crypto 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: 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. It creates deposit or withdrawal transaction records and manages the persisted inc_balance and out_balance reservations.

  • 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 Crypto Wallet via integrated exchange partners or payment rails.

  • Balance Calculation & Display: The persisted wallet fields are balance, inc_balance, and out_balance. The wallet API projects virtual_balance, pending_incoming_balance, and pending_outcoming_balance; virtual_balance is balance + inc_balance - out_balance. Withdrawal availability uses balance - out_balance, while wallet-funded investment capacity uses balance + inc_balance - out_balance. The service 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 ​

This phase handles the supported funding paths for RWA activity.

  • Multi-Asset Investment Funding: Exposes functionality for the Investment Process Management engine to fund Investments using:

  • Automated Distribution Handling:

    • Receives incoming fiat distributions into the user's wallet through the owning payout workflow. The current wallet enum has no distribution value; the payout contract must map the business Distribution to a supported wallet record.

    • Reflects on-chain distributions (stablecoins or RWA tokens) by querying the evm-api for updated balances in the user's Crypto Wallet.

Phase 4: Programmable Finance ​

This future phase describes additional token interactions.

  • (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.

Exceptions and Recovery ​

  • 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 Error Handling: Defines retries and monitoring for interactions with providers such as Dwolla, Plaid, Fireblocks, and blockchain nodes through evm-api.

  • Transaction Failures/Cancellations: Processes webhooks from Dwolla/NC for failed or cancelled transfers, updating the transaction status and reverting temporary balance changes. Failed or cancelled withdrawals release out_balance; failed or cancelled deposits release inc_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).

Associated End-to-End Workflows ​