Fiat Redemption Route - Architecture & Lifecycle Explorer

Active Mode: Fiat Off-Ramp Decoupled Policy Routing & Double-Entry Banking Settlement

Fiat Redemption Architecture & Interfacing Overview

When the Router selects a Fiat Redemption Route, the platform converts digital asset balance in the Source ADA (e.g., `ada_cust_usdc_01`) into a fiat payout to a Destination Fiat Account / ADA (e.g., `ada_cust_fiat_usd` or External Bank Account via Fedwire / ACH / Circle Fiat).

System Topology & ADA Interfacing Architecture

Click any component card to inspect its inputs, outputs, state machine impact, and subledger hooks.

Orchestration & FX Ledger & ADA Domain Banking Rails & Fedwire

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Source ADA (Account of Digital Asset)

Internal Identifier: ada_cust_usdc_01
Holds customer's digital asset balance ($10,000 USDC). Manages Available, Reserved, and Pending Outbound subledger buckets during redemption.

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Destination ADA / External Banking Target

Target Account: ada_cust_fiat_usd / Chase Bank Wire
The fiat entitlement destination. The system maps customer bank details (Routing #021000021, Acct #****4829) as a linked fiat instrument for payout.

1. Orchestration & Policy Domain ⚡ Policy Engine

Upstream Business / Portal Client Ingress

Requests $10,000 USD fiat off-ramp payout to Chase Bank account.

Payment Instruction API State Machine

State transition coordinator: created → route_resolved → pending_bank → confirmed.

Funding Router Engine Deterministic Evaluator

Evaluates profile `RP_FIAT_REDEMPTION_V1`. Scores ACH, Fedwire, and Circle Fiat rails.

FX & Conversion Engine 1:1 Mint/Burn

Locks USD:USDC 1:1 redemption rate ($10,000 USDC = $10,000 USD) and checks off-ramp limits.

2. Treasury & Ledger Domain 🛡️ Authoritative

Treasury Position Calculator Liquidity Guard

Inspects Source ADA available USDC ($10,000) and Bank Custody reserves ($500k USD).

Double-Entry Ledger Engine Append-Only

Executes balanced subledger journals across Available, Reserved, and Fiat Transit liabilities.

Source ADA (USDC Account) Subledger Account

Subledger ADA holding digital assets. Encumbers $10k during redemption phase.

Financial Journal DB Immutable Audit

Stores append-only financial journals. Debits equal credits at all times.

3. Banking & Fiat Settlement 🏛️ Banking Rail

Banking Submitter Service Payout Worker

Pipes payout instructions to commercial bank host-to-host API / ISO20022 wire gateway.

Fedwire / ACH Settlement Rail External Banking

Executes wire transfer from platform custody bank to recipient's Chase account.

Bank Webhook / Statement Rx Ingress Statement

Ingests BAI2/CAMT.053 bank confirmation files and real-time wire status webhooks.

Fiat Reconciliation Engine Match & Clear

Matches Federal IMAD/OMAD reference numbers against instruction IDs to finalize settlement.

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Select a component node above

Fiat Architecture Interface

Click on any component card in the topology diagram to inspect its interface details, triggered events, and database interactions.

Fiat Off-Ramp Route Scoring Engine

Adjust policy weights to see how the Router dynamically chooses between ACH, Fedwire, and Circle Fiat.

Policy Profile: RP_FIAT_REDEMPTION_V1

1. Policy Scoring Weights ($w$)

Cost Weight ($w_{cost}$): 0.30

Speed/Latency Weight ($w_{lat}$): 0.40

Liquidity Weight ($w_{liq}$): 0.15

Reliability Weight ($w_{rel}$): 0.15

2. Candidate Candidate Overrides

Fedwire Wire Fee ($):

Fedwire Latency (mins):

Fiat Route Math:

Base Score = 100 × (w_cost·N_cost + w_lat·N_lat + w_liq·N_liq + w_rel·R)

Fiat Off-Ramp Route Scoring Comparison Winner: RC_FEDWIRE_EXPRESS

Candidate Code	Cost	Settlement Speed	Constraints	Score

Fiat Redemption Event & Component Reference Catalog

Comprehensive list of triggered messages, state transitions, and subledger hooks.

Seq #	Event Name	Phase	Sender → Receiver	Ledger / State Impact

System Architecture: Fiat Redemption Route

Fiat Redemption Architecture & Interfacing Overview

System Topology & ADA Interfacing Architecture

Source ADA (Account of Digital Asset)

Destination ADA / External Banking Target

Select a component node above

1. Upstream Initiates Fiat Redemption Request

Operational Narrative

Fiat Redemption Double-Entry Accounting (T-Accounts)

Instruction Created

USDC Locked

In Transit (Fedwire)

Wire Finality

Double-Entry Journal Postings (T-Accounts)

Fiat Off-Ramp Route Scoring Engine

1. Policy Scoring Weights ($w$)

2. Candidate Candidate Overrides

Fiat Redemption Event & Component Reference Catalog