80 lines
2.0 KiB
Markdown
80 lines
2.0 KiB
Markdown
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# DBIS Global Payments Network (GPN)
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## Overview
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The DBIS Global Payments Network (GPN) is the universal, sovereign-grade payment network connecting 33 Sovereign Central Banks, private banks, CBDC wallets, commodity token networks, and security token infrastructures.
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## Architecture
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### Layer 1 – Sovereign Access Layer
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- SCB nodes authenticate via SDIP (Sovereign Digital Identity Passport)
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- Sovereign traffic segmented by identity
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- Zero-trust authentication
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**Service**: `gpn-sovereign-access.service.ts`
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**API Endpoint**: `POST /api/v1/gpn/authenticate`
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### Layer 2 – Global Switching Layer
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- DBIS switch routes payments using:
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- FX cost optimization
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- Liquidity availability
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- SRI-based risk weighting
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**Service**: `gpn-switching.service.ts`
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**API Endpoint**: `POST /api/v1/gpn/route`
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### Layer 3 – Finality Layer
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- Atomic settlement achieved when:
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- SCB ledger posts
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- DBIS Master Ledger posts
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- Hash-lock matches
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**Service**: `gpn-finality.service.ts`
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**API Endpoints**:
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- `POST /api/v1/gpn/finality` - Verify finality
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- `POST /api/v1/gpn/hash-lock` - Create hash-lock
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## Supported Payment Types
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- Person → Person (rCBDC)
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- Bank → Bank (wCBDC)
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- SCB → SCB (institutional payments)
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- Commodity-backed payments (CDT → CBDC)
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- Security-linked payments
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- Cross-chain payments (multi-ledger)
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## Messaging Standards
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GPN uses ISO 20022 messages wrapped in Sovereign Message Envelope (SME):
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- PACS.008 - FI to FI Credit Transfer
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- PACS.002 - Payment Status Report
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- FXMT.003 - FX Trade Execution Report
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- CBDC_TX - CBDC transaction messages
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- SCB_NOTIFY - SCB notification messages
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- DBIS_COMMIT - DBIS commitment messages
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**Service**: `gpn-message-handler.service.ts`
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**API Endpoint**: `POST /api/v1/gpn/message/pacs008`
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## Database Models
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- `GpnPayment` - Payment routing records
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- `GpnRoute` - Routing paths with cost/risk metrics
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- `GpnSettlementLock` - Hash-lock records for finality
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## Integration Points
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- ISO 20022 service (existing)
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- SIRE routing (existing)
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- GSS Master Ledger (existing)
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- SDIP identity (Volume V)
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