feat: OMNL Bank online production — 128 chains, Central Bank UI, settlement stack

Co-authored-by: Cursor <cursoragent@cursor.com>
2026-06-28 08:44:42 -07:00
parent 2b1a3ba6af
commit 5dd67e2b1d
113 changed files with 13223 additions and 98 deletions
--- a/config/dbis-exchange.production.v1.json
+++ b/config/dbis-exchange.production.v1.json
@@ -0,0 +1,27 @@
+{
+
+  "$schema": "DBIS Exchange — production (128-chain OMNL Bank)",
+
+  "version": "1.0.0",
+
+  "chainId": 138,
+
+  "brandName": "DBIS Exchange",
+
+  "officeId": 24,
+
+  "settlementOfficeExternalId": "HOSPITALLERS-ALI-IRAQ-IRAN",
+
+  "chainRegistry": "config/omnl-supported-chains.v1.json",
+
+  "maxSupportedChains": 128,
+
+  "routers": {
+
+    "enhancedSwapRouterV2": "0xa421706768aeb7fafa2d912c5e10824ef3437ad4",
+
+    "uniswapV2": "0x3019A7fDc76ba7F64F18d78e66842760037ee638",
+
+    "sushiV2": "0xB37b93D38559f53b62ab020A14919f2630a1aE34"
+
+  },
--- a/config/dbis-exchange.v1.json
+++ b/config/dbis-exchange.v1.json
@@ -0,0 +1,30 @@
+{
+  "$schema": "DBIS Exchange — Pancake-style DEX on Chain 138 + OMNL Office 24",
+  "version": "1.0.0",
+  "chainId": 138,
+  "brandName": "DBIS Exchange",
+  "officeId": 24,
+  "settlementOfficeExternalId": "HOSPITALLERS-ALI-IRAQ-IRAN",
+  "routers": {
+    "enhancedSwapRouterV2": "0xa421706768aeb7fafa2d912c5e10824ef3437ad4",
+    "uniswapV2": "0x3019A7fDc76ba7F64F18d78e66842760037ee638",
+    "sushiV2": "0xB37b93D38559f53b62ab020A14919f2630a1aE34"
+  },
+  "factory": {
+    "uniswapV2": "0x0C30F6e67Ab3667fCc2f5CEA8e274ef1FB920279"
+  },
+  "tokens": [
+    { "symbol": "ETH", "name": "Ether", "address": "0x0000000000000000000000000000000000000000", "decimals": 18, "native": true },
+    { "symbol": "WETH", "name": "Wrapped Ether", "address": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2", "decimals": 18 },
+    { "symbol": "USDT", "name": "Tether USD", "address": "0x004b63A7B5b0E06f6bB6adb4a5F9f590BF3182D1", "decimals": 6 },
+    { "symbol": "USDC", "name": "USD Coin", "address": "0x71D6687F38b93CCad569Fa6352c876eea967201b", "decimals": 6 },
+    { "symbol": "cUSDT", "name": "Compliant USDT", "address": "0x93E66202A11B1772E55407B32B44e5Cd8eda7f22", "decimals": 6, "omnlLine": "USD-M2", "moneyLayer": "M2" },
+    { "symbol": "cUSDC", "name": "Compliant USDC", "address": "0xf22258f57794CC8E06237084b353Ab30fFfa640b", "decimals": 6, "omnlLine": "USD-M2", "moneyLayer": "M2" }
+  ],
+  "defaultSlippageBps": 50,
+  "production": {
+    "requireApiKey": false,
+    "monitorSwaps": true,
+    "postSwapSettlementAudit": true
+  }
+}
--- a/config/deployment-omnl.production.env.example
+++ b/config/deployment-omnl.production.env.example
@@ -0,0 +1,50 @@
+# OMNL Bank — production environment (copy to .env.production, never commit secrets)
+
+# === Public URLs (nginx / Cloudflare) ===
+OMNL_BANK_PUBLIC_URL=https://bank.omnl.hybxfinance.io
+VITE_TOKEN_AGGREGATION_URL=https://bank.omnl.hybxfinance.io/api/v1
+VITE_SETTLEMENT_MIDDLEWARE_URL=https://bank.omnl.hybxfinance.io/settlement
+VITE_DBIS_EXCHANGE_URL=https://bank.omnl.hybxfinance.io/exchange
+VITE_OMNL_API_KEY=
+
+# === Production configs ===
+SETTLEMENT_MIDDLEWARE_CONFIG=config/settlement-middleware.production.v1.json
+DBIS_EXCHANGE_CONFIG=config/dbis-exchange.production.v1.json
+OMNL_SUPPORTED_CHAINS_CONFIG=config/omnl-supported-chains.v1.json
+OMNL_M2_TOKEN_REGISTRY=config/omnl-m2-token-registry.v1.json
+OMNL_CROSS_CHAIN_CONFIG=config/hybx-omnl-cross-chain-lines.json
+
+# === Production gates (enable after audit) ===
+SETTLEMENT_ALLOW_HYBX_PRODUCTION=1
+SETTLEMENT_ALLOW_CHAIN_MINT_EXECUTE=1
+OMNL_ALLOW_CHAIN_MINT_EXECUTE=1
+
+# === Auth ===
+OMNL_API_KEY=
+
+# === Primary chain 138 ===
+RPC_URL_138=http://192.168.11.221:8545
+CHAIN_138_RPC_URL=http://192.168.11.221:8545
+
+# === Mirror chain 651940 ===
+CHAIN_651940_RPC_URL=https://mainnet-rpc.alltra.global
+
+# === Major L1/L2 RPC (set per chain — CHAIN_<id>_RPC_URL) ===
+CHAIN_1_RPC_URL=https://eth.llamarpc.com
+CHAIN_56_RPC_URL=https://bsc-dataseed.binance.org
+CHAIN_137_RPC_URL=https://polygon-bor-rpc.publicnode.com
+CHAIN_42161_RPC_URL=https://arb1.arbitrum.io/rpc
+CHAIN_8453_RPC_URL=https://mainnet.base.org
+CHAIN_10_RPC_URL=https://mainnet.optimism.io
+
+# === Fineract / Office 24 ===
+FINERACT_BASE_URL=
+FINERACT_TENANT=omnl
+OMNL_FINERACT_USERNAME=
+OMNL_FINERACT_PASSWORD=
+
+# === Frontend ===
+VITE_WALLETCONNECT_PROJECT_ID=
+VITE_THIRDWEB_CLIENT_ID=
+VITE_RPC_URL_138=http://192.168.11.221:8545
+VITE_ENHANCED_SWAP_ROUTER_V2=0xa421706768aeb7fafa2d912c5e10824ef3437ad4
--- a/config/offices/office-24-settlement.v1.json
+++ b/config/offices/office-24-settlement.v1.json
@@ -0,0 +1,28 @@
+{
+  "$schema": "OMNL Office 24 — Ali HOSPITALLERS settlement profile",
+  "version": "1.0.0",
+  "officeId": 24,
+  "externalId": "HOSPITALLERS-ALI-IRAQ-IRAN",
+  "name": "HOSPITALLERS Ali Iraq-Iran",
+  "fineractTenant": "omnl",
+  "tenantUser": "ali_hospitallers_tenant",
+  "adminUser": "ali_hospitallers_admin",
+  "operatorUser": "ali_hospitallers_operator",
+  "settlement": {
+    "defaultCurrency": "USD",
+    "defaultLineId": "USD-M1",
+    "moneyLayers": ["M0", "M1", "M2"],
+    "glM0": "1050",
+    "glM1": "2100",
+    "glM2": "2200",
+    "glSettlement": "1000",
+    "glTradeFinanceContingent": "1410"
+  },
+  "rails": {
+    "swift": { "enabled": true, "listenerUrl": "http://192.168.11.114:8788" },
+    "hybx": { "enabled": true, "sidecarUrl": "http://192.168.11.89:8080" },
+    "chain138": { "enabled": true, "rpcEnv": "RPC_URL_138", "defaultLineId": "USD-M1" }
+  },
+  "omnlLegalName": "ORGANISATION MONDIALE DU NUMERIQUE L.P.B.C.",
+  "omnlLei": "98450070C57395F6B906"
+}
--- a/config/omnl-m2-token-registry.v1.json
+++ b/config/omnl-m2-token-registry.v1.json
@@ -0,0 +1,527 @@
+{
+  "version": "1.0.0",
+  "chainId": 138,
+  "defaultMoneyLayer": "M2",
+  "defaultLoadFromGl": "2200",
+  "tokens": [
+    {
+      "symbol": "ETH",
+      "name": "Ether",
+      "address": "0x0000000000000000000000000000000000000000",
+      "decimals": 18,
+      "native": true,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "WETH",
+      "name": "Wrapped Ether",
+      "address": "0xC02aaA39b223FE8D0A0e5C4F27eAD9083C756Cc2",
+      "decimals": 18,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "WETH10",
+      "name": "WETH10",
+      "address": "0xf4BB2e28688e89fCcE3c0580D37d36A7672E8A9f",
+      "decimals": 18,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "USDT",
+      "name": "Tether USD",
+      "address": "0x004b63A7B5b0E06f6bB6adb4a5F9f590BF3182D1",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "USDC",
+      "name": "USD Coin",
+      "address": "0x71D6687F38b93CCad569Fa6352c876eea967201b",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cUSDT",
+      "name": "Compliant USDT",
+      "address": "0x93E66202A11B1772E55407B32B44e5Cd8eda7f22",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cUSDC",
+      "name": "Compliant USDC",
+      "address": "0xf22258f57794CC8E06237084b353Ab30fFfa640b",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cUSDT_V2",
+      "name": "Compliant USDT V2",
+      "address": "0x9FBfab33882Efe0038DAa608185718b772EE5660",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cUSDC_V2",
+      "name": "Compliant USDC V2",
+      "address": "0x219522c60e83dEe01FC5b0329d6fA8fD84b9D13d",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cAUSDT",
+      "name": "Compliant AUSDT",
+      "address": "0x5fdDF65733e3d590463F68f93Cf16E8c04081271",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cUSDW",
+      "name": "Compliant USD W",
+      "address": "0xcA6BFa614935f1AB71c9aB106bAA6FBB6057095e",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cEURC",
+      "name": "Euro Coin",
+      "address": "0x8085961F9cF02b4d800A3c6d386D31da4B34266a",
+      "decimals": 6,
+      "currencyCode": "EUR",
+      "moneyLayer": "M2",
+      "omnlLine": "EUR-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cEURT",
+      "name": "Tether EUR",
+      "address": "0xdf4b71c61E5912712C1Bdd451416B9aC26949d72",
+      "decimals": 6,
+      "currencyCode": "EUR",
+      "moneyLayer": "M2",
+      "omnlLine": "EUR-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cGBPC",
+      "name": "Pound Sterling",
+      "address": "0x003960f16D9d34F2e98d62723B6721Fb92074aD2",
+      "decimals": 6,
+      "currencyCode": "GBP",
+      "moneyLayer": "M2",
+      "omnlLine": "GBP-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cGBPT",
+      "name": "Tether GBP",
+      "address": "0x350f54e4D23795f86A9c03988c7135357CCaD97c",
+      "decimals": 6,
+      "currencyCode": "GBP",
+      "moneyLayer": "M2",
+      "omnlLine": "GBP-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cAUDC",
+      "name": "Australian Dollar",
+      "address": "0xD51482e567c03899eecE3CAe8a058161FD56069D",
+      "decimals": 6,
+      "currencyCode": "AUD",
+      "moneyLayer": "M2",
+      "omnlLine": "AUD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cJPYC",
+      "name": "Japanese Yen",
+      "address": "0xEe269e1226a334182aace90056EE4ee5Cc8A6770",
+      "decimals": 6,
+      "currencyCode": "JPY",
+      "moneyLayer": "M2",
+      "omnlLine": "JPY-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cCHFC",
+      "name": "Swiss Franc",
+      "address": "0x873990849DDa5117d7C644f0aF24370797C03885",
+      "decimals": 6,
+      "currencyCode": "CHF",
+      "moneyLayer": "M2",
+      "omnlLine": "CHF-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cCADC",
+      "name": "Canadian Dollar",
+      "address": "0x54dBd40cF05e15906A2C21f600937e96787f5679",
+      "decimals": 6,
+      "currencyCode": "CAD",
+      "moneyLayer": "M2",
+      "omnlLine": "CAD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cXAUC",
+      "name": "Gold Compliant",
+      "address": "0x290E52a8819A4fbD0714E517225429aA2B70EC6b",
+      "decimals": 6,
+      "currencyCode": "XAU",
+      "moneyLayer": "M2",
+      "omnlLine": "XAU-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cXAUT",
+      "name": "Tether Gold",
+      "address": "0x94e408E26c6FD8F4ee00b54dF19082FDA07dC96E",
+      "decimals": 6,
+      "currencyCode": "XAU",
+      "moneyLayer": "M2",
+      "omnlLine": "XAU-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cBTC",
+      "name": "Compliant BTC",
+      "address": "0xe94260c555ac1d9d3cc9e1632883452ebdf0082e",
+      "decimals": 8,
+      "currencyCode": "BTC",
+      "moneyLayer": "M2",
+      "omnlLine": "BTC-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cETH",
+      "name": "Compliant ETH",
+      "address": "0xce7e00000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "ETH",
+      "moneyLayer": "M2",
+      "omnlLine": "ETH-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cETHL2",
+      "name": "Compliant ETH L2",
+      "address": "0xce7200000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "ETH",
+      "moneyLayer": "M2",
+      "omnlLine": "ETH-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cBNB",
+      "name": "Compliant BNB",
+      "address": "0xcb6b00000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "BNB",
+      "moneyLayer": "M2",
+      "omnlLine": "BNB-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cPOL",
+      "name": "Compliant POL",
+      "address": "0xc90100000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "POL",
+      "moneyLayer": "M2",
+      "omnlLine": "POL-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cAVAX",
+      "name": "Compliant AVAX",
+      "address": "0xcaaa00000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "AVAX",
+      "moneyLayer": "M2",
+      "omnlLine": "AVAX-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cCRO",
+      "name": "Compliant CRO",
+      "address": "0xcc2000000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "CRO",
+      "moneyLayer": "M2",
+      "omnlLine": "CRO-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cXDAI",
+      "name": "Compliant XDAI",
+      "address": "0xcda100000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "XDAI",
+      "moneyLayer": "M2",
+      "omnlLine": "XDAI-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cCELO",
+      "name": "Compliant CELO",
+      "address": "0xcce100000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "CELO",
+      "moneyLayer": "M2",
+      "omnlLine": "CELO-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "cWEMIX",
+      "name": "Compliant WEMIX",
+      "address": "0xc11100000000000000000000000000000000008a",
+      "decimals": 18,
+      "currencyCode": "WEMIX",
+      "moneyLayer": "M2",
+      "omnlLine": "WEMIX-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "LINK",
+      "name": "Chainlink",
+      "address": "0xb7721dD53A8c629d9f1Ba31a5819AFe250002b03",
+      "decimals": 18,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "LiXAU",
+      "name": "Lithium XAU",
+      "address": "0xff862f0d1f96aa4882a0c2d6b4a3516fd8d68e75",
+      "decimals": 6,
+      "currencyCode": "XAU",
+      "moneyLayer": "M2",
+      "omnlLine": "XAU-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "LiPMG",
+      "name": "Lithium PMG",
+      "address": "0x148b0f5c6fc8c5975e9406635654d88b20db2ed6",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "LiBMG1",
+      "name": "Lithium BMG1",
+      "address": "0xc5b802662447d1ae492a1618c3ad7161a449ebc9",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "LiBMG2",
+      "name": "Lithium BMG2",
+      "address": "0x2ca3b3e7f4f216015833b0b334273d44493c0c45",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    },
+    {
+      "symbol": "LiBMG3",
+      "name": "Lithium BMG3",
+      "address": "0xb03d872196c0e84fe6fae841335001db44bda6c7",
+      "decimals": 6,
+      "currencyCode": "USD",
+      "moneyLayer": "M2",
+      "omnlLine": "USD-M2",
+      "loadFromGl": "2200",
+      "swappable": true,
+      "convertible": true,
+      "transferableInternal": true,
+      "transferableExternal": true
+    }
+  ]
+}
--- a/config/omnl-supported-chains.v1.json
+++ b/config/omnl-supported-chains.v1.json
--- a/config/settlement-middleware.production.v1.json
+++ b/config/settlement-middleware.production.v1.json
@@ -0,0 +1,35 @@
+{
+
+  "$schema": "OMNL central-bank settlement — production profile",
+
+  "version": "1.0.0",
+
+  "omnlLegalName": "ORGANISATION MONDIALE DU NUMERIQUE L.P.B.C.",
+
+  "defaultOfficeId": 24,
+
+  "enforceSingleOffice": true,
+
+  "settlementOffice": {
+
+    "officeId": 24,
+
+    "externalId": "HOSPITALLERS-ALI-IRAQ-IRAN",
+
+    "name": "HOSPITALLERS Ali Iraq-Iran",
+
+    "profilePath": "config/offices/office-24-settlement.v1.json"
+
+  },
+
+  "defaultCurrency": "USD",
+
+  "chainRegistry": "config/omnl-supported-chains.v1.json",
+
+  "maxSupportedChains": 128,
+
+  "rails": {
+
+    "swift": { "enabled": true, "listenerUrl": "http://192.168.11.114:8788" },
+
+    "hybx": { "enabled": true, "sidecarUrl": "http://192.168.11.89:8080" },
--- a/config/settlement-middleware.v1.json
+++ b/config/settlement-middleware.v1.json
@@ -0,0 +1,40 @@
+{
+  "$schema": "OMNL central-bank settlement middleware — locked to Office 24",
+  "version": "1.0.0",
+  "omnlLegalName": "ORGANISATION MONDIALE DU NUMERIQUE L.P.B.C.",
+  "defaultOfficeId": 24,
+  "enforceSingleOffice": true,
+  "settlementOffice": {
+    "officeId": 24,
+    "externalId": "HOSPITALLERS-ALI-IRAQ-IRAN",
+    "name": "HOSPITALLERS Ali Iraq-Iran",
+    "profilePath": "config/offices/office-24-settlement.v1.json"
+  },
+  "defaultCurrency": "USD",
+  "rails": {
+    "swift": {
+      "enabled": true,
+      "listenerUrl": "http://192.168.11.114:8788"
+    },
+    "hybx": {
+      "enabled": true,
+      "sidecarUrl": "http://192.168.11.89:8080"
+    },
+    "chain138": {
+      "enabled": true,
+      "rpcEnv": "RPC_URL_138",
+      "defaultLineId": "USD-M1"
+    }
+  },
+  "moneySupply": {
+    "glM0": "1050",
+    "glM1": "2100",
+    "glM2": "2200",
+    "glSettlement": "1000"
+  },
+  "production": {
+    "requireApiKey": true,
+    "allowHybxProduction": false,
+    "allowChainMintExecute": false
+  }
+}
--- a/config/trade-finance/instruments.v1.json
+++ b/config/trade-finance/instruments.v1.json
@@ -0,0 +1,30 @@
+{
+  "version": "1.0.0",
+  "instruments": {
+    "SBLC": {
+      "description": "Standby Letter of Credit",
+      "swiftMessages": ["MT103", "MT202"],
+      "contingentGl": "1410"
+    },
+    "DLC": {
+      "description": "Documentary Letter of Credit",
+      "swiftMessages": ["MT103", "MT102"],
+      "contingentGl": "1410"
+    },
+    "BG": {
+      "description": "Bank Guarantee",
+      "swiftMessages": ["MT103"],
+      "contingentGl": "1410"
+    },
+    "LS": {
+      "description": "Liquidity Support / Lombard-style facility",
+      "swiftMessages": ["MT102", "MT103"],
+      "settlementGl": "1000",
+      "m2Gl": "2200"
+    }
+  },
+  "iban": {
+    "requireMod97": true,
+    "omnlBic": "OMNLUS33"
+  }
+}
--- a/deploy/nginx/frontend-spa.conf
+++ b/deploy/nginx/frontend-spa.conf
@@ -0,0 +1,14 @@
+server {
+    listen 80;
+    root /usr/share/nginx/html;
+    index index.html;
+
+    location / {
+        try_files $uri $uri/ /index.html;
+    }
+
+    location /assets/ {
+        expires 1y;
+        add_header Cache-Control "public, immutable";
+    }
+}
--- a/deploy/nginx/omnl-bank.conf
+++ b/deploy/nginx/omnl-bank.conf
@@ -0,0 +1,70 @@
+# OMNL Bank online — nginx reverse proxy (Central Bank style production)
+# TLS: mount certs at deploy/nginx/certs/fullchain.pem + privkey.pem
+
+upstream omnl_api {
+    server token-aggregation:3000;
+}
+
+upstream omnl_settlement {
+    server settlement-middleware:3011;
+}
+
+upstream omnl_exchange {
+    server dbis-exchange:3012;
+}
+
+upstream omnl_frontend {
+    server frontend:80;
+}
+
+server {
+    listen 80;
+    server_name bank.omnl.hybxfinance.io localhost;
+    return 301 https://$host$request_uri;
+}
+
+server {
+    listen 443 ssl http2;
+    server_name bank.omnl.hybxfinance.io localhost;
+
+    ssl_certificate     /etc/nginx/certs/fullchain.pem;
+    ssl_certificate_key /etc/nginx/certs/privkey.pem;
+    ssl_protocols       TLSv1.2 TLSv1.3;
+
+    add_header X-OMNL-Bank "online" always;
+    add_header X-OMNL-Chains "128" always;
+
+    # Frontend — Central Bank / Office 24 / DBIS Trade
+    location / {
+        proxy_pass http://omnl_frontend;
+        proxy_set_header Host $host;
+        proxy_set_header X-Real-IP $remote_addr;
+    }
+
+    # OMNL API (token-aggregation)
+    location /api/v1/ {
+        proxy_pass http://omnl_api/api/v1/;
+        proxy_set_header Host $host;
+        proxy_read_timeout 120s;
+    }
+
+    # Settlement middleware
+    location /settlement/ {
+        proxy_pass http://omnl_settlement/api/v1/settlement/;
+        proxy_set_header Host $host;
+        proxy_set_header Authorization $http_authorization;
+        proxy_read_timeout 120s;
+    }
+
+    # DBIS Exchange
+    location /exchange/ {
+        proxy_pass http://omnl_exchange/api/v1/exchange/;
+        proxy_set_header Host $host;
+        proxy_read_timeout 120s;
+    }
+
+    location /health {
+        return 200 'OMNL Bank online — 128 chains';
+        add_header Content-Type text/plain;
+    }
+}
--- a/docker-compose.omnl-production.yml
+++ b/docker-compose.omnl-production.yml
@@ -0,0 +1,99 @@
+# OMNL Bank — full production stack (128-chain support)
+# Usage: docker compose -f docker-compose.omnl-production.yml up -d
+
+services:
+  token-aggregation:
+    build:
+      context: ./services/token-aggregation
+      dockerfile: Dockerfile
+    ports:
+      - "3000:3000"
+    env_file:
+      - ./config/deployment-omnl.production.env
+    environment:
+      - NODE_ENV=production
+      - PORT=3000
+      - OMNL_SUPPORTED_CHAINS_CONFIG=/app/config/omnl-supported-chains.v1.json
+    volumes:
+      - ./config:/app/config:ro
+    restart: unless-stopped
+    healthcheck:
+      test: ["CMD", "node", "-e", "require('http').get('http://localhost:3000/health',r=>process.exit(r.statusCode===200?0:1))"]
+      interval: 30s
+      timeout: 5s
+      retries: 3
+
+  settlement-middleware:
+    build:
+      context: ./services/settlement-middleware
+      dockerfile: Dockerfile
+    ports:
+      - "3011:3011"
+    env_file:
+      - ./config/deployment-omnl.production.env
+    environment:
+      - NODE_ENV=production
+      - SETTLEMENT_MIDDLEWARE_PORT=3011
+      - SETTLEMENT_MIDDLEWARE_CONFIG=/app/config/settlement-middleware.production.v1.json
+      - OMNL_SUPPORTED_CHAINS_CONFIG=/app/config/omnl-supported-chains.v1.json
+      - TOKEN_AGGREGATION_URL=http://token-aggregation:3000
+    volumes:
+      - ./config:/app/config:ro
+      - settlement-data:/app/data
+    depends_on:
+      token-aggregation:
+        condition: service_healthy
+    restart: unless-stopped
+
+  dbis-exchange:
+    build:
+      context: ./services/dbis-exchange
+      dockerfile: Dockerfile
+    ports:
+      - "3012:3012"
+    env_file:
+      - ./config/deployment-omnl.production.env
+    environment:
+      - NODE_ENV=production
+      - DBIS_EXCHANGE_PORT=3012
+      - DBIS_EXCHANGE_CONFIG=/app/config/dbis-exchange.production.v1.json
+      - OMNL_SUPPORTED_CHAINS_CONFIG=/app/config/omnl-supported-chains.v1.json
+      - OMNL_M2_TOKEN_REGISTRY=/app/config/omnl-m2-token-registry.v1.json
+      - TOKEN_AGGREGATION_URL=http://token-aggregation:3000
+      - SETTLEMENT_MIDDLEWARE_URL=http://settlement-middleware:3011
+    volumes:
+      - ./config:/app/config:ro
+    depends_on:
+      settlement-middleware:
+        condition: service_started
+    restart: unless-stopped
+
+  frontend:
+    build:
+      context: ./frontend-dapp
+      dockerfile: Dockerfile.production
+    ports:
+      - "3002:80"
+    depends_on:
+      - dbis-exchange
+      - settlement-middleware
+      - token-aggregation
+    restart: unless-stopped
+
+  nginx:
+    image: nginx:alpine
+    ports:
+      - "443:443"
+      - "80:80"
+    volumes:
+      - ./deploy/nginx/omnl-bank.conf:/etc/nginx/conf.d/default.conf:ro
+      - ./deploy/nginx/certs:/etc/nginx/certs:ro
+    depends_on:
+      - frontend
+      - token-aggregation
+      - settlement-middleware
+      - dbis-exchange
+    restart: unless-stopped
+
+volumes:
+  settlement-data:
--- a/frontend-dapp/Dockerfile.production
+++ b/frontend-dapp/Dockerfile.production
@@ -0,0 +1,20 @@
+# OMNL Bank production frontend
+FROM node:20-alpine AS builder
+WORKDIR /app
+RUN corepack enable
+COPY package.json pnpm-lock.yaml* ./
+RUN pnpm install --frozen-lockfile 2>/dev/null || pnpm install
+COPY . .
+ARG VITE_TOKEN_AGGREGATION_URL=/api/v1
+ARG VITE_SETTLEMENT_MIDDLEWARE_URL=/settlement
+ARG VITE_DBIS_EXCHANGE_URL=/exchange
+ENV VITE_TOKEN_AGGREGATION_URL=$VITE_TOKEN_AGGREGATION_URL
+ENV VITE_SETTLEMENT_MIDDLEWARE_URL=$VITE_SETTLEMENT_MIDDLEWARE_URL
+ENV VITE_DBIS_EXCHANGE_URL=$VITE_DBIS_EXCHANGE_URL
+RUN pnpm run build
+
+FROM nginx:alpine
+COPY --from=builder /app/dist /usr/share/nginx/html
+COPY deploy/nginx/frontend-spa.conf /etc/nginx/conf.d/default.conf
+EXPOSE 80
+CMD ["nginx", "-g", "daemon off;"]
--- a/frontend-dapp/src/App.tsx
+++ b/frontend-dapp/src/App.tsx
@@ -7,27 +7,27 @@ import { AdminProvider } from './contexts/AdminContext'
 import { ErrorBoundary } from './components/ErrorBoundary'
 import BridgePage from './pages/BridgePage'
 import SwapPage from './pages/SwapPage'
+import TradePage from './pages/TradePage'
+import CentralBankPage from './pages/CentralBankPage'
+import Office24Page from './pages/Office24Page'
 import ReservePage from './pages/ReservePage'
 import HistoryPage from './pages/HistoryPage'
 import AdminPanel from './pages/AdminPanel'
 import DocsPage from './pages/DocsPage'
 import WalletsDemoPage from './pages/WalletsDemoPage'
 import Layout from './components/layout/Layout'
+import OmnlProductLayout from './components/layout/OmnlProductLayout'
 import ToastProvider from './components/ui/ToastProvider'

-// Configure QueryClient to handle contract revert errors gracefully
-// Don't retry on contract revert errors (expected when contracts aren't deployed)
 const queryClient = new QueryClient({
  defaultOptions: {
    queries: {
-      retry: (failureCount, error: any) => {
-        // Don't retry on contract revert errors (CALL_EXCEPTION)
-        // These are expected when contracts aren't deployed at the specified addresses
-        if (error?.code === 'CALL_EXCEPTION' || error?.message?.includes('call revert exception')) {
-          return false;
+      retry: (failureCount, error: unknown) => {
+        const err = error as { code?: string; message?: string }
+        if (err?.code === 'CALL_EXCEPTION' || err?.message?.includes('call revert exception')) {
+          return false
        }
-        // Retry other errors up to 2 times
-        return failureCount < 2;
+        return failureCount < 2
      },
    },
  },
@@ -48,8 +48,13 @@ function App() {
            >
              <ToastProvider />
              <AdminProvider>
-                <Layout>
-                  <Routes>
+                <Routes>
+                  <Route element={<OmnlProductLayout />}>
+                    <Route path="/central-bank" element={<CentralBankPage />} />
+                    <Route path="/office-24" element={<Office24Page />} />
+                    <Route path="/trade" element={<TradePage />} />
+                  </Route>
+                  <Route element={<Layout />}>
                    <Route path="/" element={<BridgePage />} />
                    <Route path="/swap" element={<SwapPage />} />
                    <Route path="/reserve" element={<ReservePage />} />
@@ -57,8 +62,8 @@ function App() {
                    <Route path="/admin" element={<AdminPanel />} />
                    <Route path="/docs" element={<DocsPage />} />
                    <Route path="/wallets" element={<WalletsDemoPage />} />
-                  </Routes>
-                </Layout>
+                  </Route>
+                </Routes>
              </AdminProvider>
            </BrowserRouter>
          </QueryClientProvider>
@@ -69,4 +74,3 @@ function App() {
 }

 export default App
-
--- a/frontend-dapp/src/components/bridge/BridgeButtons.tsx
+++ b/frontend-dapp/src/components/bridge/BridgeButtons.tsx
@@ -25,7 +25,6 @@ import CopyButton from '../ui/CopyButton';
 import ConfirmationModal from '../ui/ConfirmationModal';
 import Tooltip from '../ui/Tooltip';
 import LoadingSkeleton from '../ui/LoadingSkeleton';
-import ChainIcon from '../ui/ChainIcon';
 import TokenIcon from '../ui/TokenIcon';

 interface BridgeButtonsProps {
@@ -384,38 +383,28 @@ function BridgeButtonsConnected({
          />
        )}
        <div className="relative">
-        <div className="mb-6">
-          <div className="flex items-center justify-between mb-2">
-            <h2 className="text-[20px] font-semibold text-white flex items-center gap-2">
-              Bridge to
-              {destination && (
-                <>
-                  <ChainIcon chainId={destination.chainId} name={destination.name} size={24} />
-                  <span>{destination.name}</span>
-                </>
-              )}
-              {!destination && <span>Ethereum Mainnet</span>}
-            </h2>
-            <Tooltip content="Refresh all balances and allowances">
-              <button
-                onClick={handleRefreshBalances}
-                disabled={!address}
-                className="p-2 text-teal-400 hover:text-teal-300 hover:bg-teal-500/20 rounded-lg transition-colors disabled:opacity-50 disabled:cursor-not-allowed border border-white/20"
-                aria-label="Refresh balances"
-              >
-                <svg className="w-5 h-5" fill="none" viewBox="0 0 24 24" stroke="currentColor">
-                  <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M4 4v5h.582m15.356 2A8.001 8.001 0 004.582 9m0 0H9m11 11v-5h-.581m0 0a8.003 8.003 0 01-15.357-2m15.357 2H15" />
-                </svg>
-              </button>
-            </Tooltip>
-          </div>
-          <p className="text-[#A0A0A0] text-sm mt-1">
-            Wrap ETH, approve tokens, and bridge WETH9 via CCIP
+        <div className="mb-6 flex items-center justify-between gap-3">
+          <p className="ui-muted text-sm">
+            Wrap ETH, approve tokens, and bridge WETH9 via CCIP to{' '}
+            {destination?.name ?? 'Ethereum Mainnet'}
          </p>
+          <Tooltip content="Refresh all balances and allowances">
+            <button
+              type="button"
+              onClick={handleRefreshBalances}
+              disabled={!address}
+              className="ui-btn-icon disabled:opacity-50 disabled:cursor-not-allowed shrink-0"
+              aria-label="Refresh balances"
+            >
+              <svg className="w-4 h-4" fill="none" viewBox="0 0 24 24" stroke="currentColor">
+                <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M4 4v5h.582m15.356 2A8.001 8.001 0 004.582 9m0 0H9m11 11v-5h-.581m0 0a8.003 8.003 0 01-15.357-2m15.357 2H15" />
+              </svg>
+            </button>
+          </Tooltip>
        </div>

        <div className="mb-8">
-          <label className="flex items-center gap-2 text-[13px] font-medium mb-2 text-[#A0A0A0]">
+          <label className="ui-label">
            <TokenIcon symbol="ETH" size={20} />
            <span>Amount (ETH)</span>
            <Tooltip content="Enter the amount of ETH you want to bridge. This will be wrapped to WETH9 first.">
@@ -429,10 +418,8 @@ function BridgeButtonsConnected({
              min="0"
              value={amount}
              onChange={(e) => setAmount(e.target.value)}
-              className={`w-full min-h-[48px] pl-4 pr-24 py-3 border rounded-xl focus:outline-none focus:ring-2 focus:ring-teal-500 focus:ring-offset-2 focus:ring-offset-[#252830] transition-all text-lg bg-[#1a1d24] text-white placeholder:text-[#A0A0A0] hover:border-white/30 ${
-                amountError 
-                  ? 'border-red-500 focus:border-red-500' 
-                  : 'border-white/20 focus:border-teal-500'
+              className={`ui-input pl-4 pr-24 text-lg ${
+                amountError ? '!border-red-500 focus:!border-red-500' : ''
              }`}
              placeholder="0.0"
              aria-invalid={!!amountError}
@@ -444,7 +431,7 @@ function BridgeButtonsConnected({
                  setAmount(ethBalance.displayValue);
                  setAmountError('');
                }}
-                className="absolute right-3 top-1/2 -translate-y-1/2 px-4 py-2 min-h-[36px] text-sm font-medium bg-teal-600 text-white rounded-lg hover:bg-teal-500 transition-colors"
+                className="ui-btn-primary absolute right-2 top-1/2 -translate-y-1/2 !py-2 !min-h-0 text-sm"
              >
                MAX
              </button>
@@ -461,7 +448,7 @@ function BridgeButtonsConnected({
        </div>

        <div className="mb-8">
-          <label htmlFor="bridge-recipient-address" className="block text-[13px] font-medium mb-2 text-[#A0A0A0]">
+          <label htmlFor="bridge-recipient-address" className="ui-label">
            Recipient Address
            <Tooltip content="The Ethereum address that will receive the bridged tokens on the destination chain.">
              <span className="ml-2 text-white/60 cursor-help text-xs">ℹ️</span>
@@ -474,10 +461,8 @@ function BridgeButtonsConnected({
              type="text"
              value={recipient}
              onChange={(e) => setRecipient(e.target.value)}
-              className={`w-full min-h-[48px] p-4 border rounded-xl focus:outline-none focus:ring-2 focus:ring-teal-500 focus:ring-offset-2 focus:ring-offset-[#252830] transition-all font-mono text-base bg-[#1a1d24] text-white placeholder:text-[#A0A0A0] hover:border-white/30 ${
-                recipientError 
-                  ? 'border-red-500 focus:border-red-500' 
-                  : 'border-white/20 focus:border-teal-500'
+              className={`ui-input font-mono pr-36 ${
+                recipientError ? '!border-red-500 focus:!border-red-500' : ''
              }`}
              placeholder="0x..."
              aria-invalid={!!recipientError}
@@ -490,7 +475,7 @@ function BridgeButtonsConnected({
                    setRecipient(address);
                    setRecipientError('');
                  }}
-                  className="px-4 py-2 text-sm font-medium bg-[#252830] text-white rounded-lg hover:bg-white/10 transition-colors border border-white/20"
+                  className="ui-btn-secondary !py-2 text-sm"
                >
                  Use my address
                </button>
@@ -510,9 +495,9 @@ function BridgeButtonsConnected({
          )}
        </div>

-        <div className="mb-8 p-6 bg-[#1a1d24] rounded-xl border border-white/10">
+        <div className="mb-8 p-6 ui-inset rounded-xl">
          <div className="flex items-center justify-between mb-4">
-            <h3 className="text-[20px] font-semibold text-[#A0A0A0]">Balances & Fees</h3>
+            <h3 className="text-lg font-semibold ui-muted">Balances & Fees</h3>
            {address && (
              <CopyButton text={address} className="text-xs">
                <span className="text-xs">Copy Address</span>
@@ -520,49 +505,49 @@ function BridgeButtonsConnected({
            )}
          </div>
          <div className="grid grid-cols-1 md:grid-cols-2 gap-4">
-            <div className="flex justify-between items-center p-4 bg-[#252830] rounded-lg border border-white/10 font-mono text-sm">
-              <span className="font-medium text-[#A0A0A0] flex items-center gap-2">
+            <div className="ui-stat-row">
+              <span className="ui-muted font-medium flex items-center gap-2">
                <TokenIcon symbol="ETH" size={20} />
                ETH Balance:
              </span>
-              <span className="text-white font-medium">
-                {ethBalance ? ethBalance.displayValue : <LoadingSkeleton />} <span className="text-[#A0A0A0]">ETH</span>
+              <span className="font-medium">
+                {ethBalance ? ethBalance.displayValue : <LoadingSkeleton />} <span className="ui-muted">ETH</span>
              </span>
            </div>
-            <div className="flex justify-between items-center p-4 bg-[#252830] rounded-lg border border-white/10 font-mono text-sm">
-              <span className="font-medium text-[#A0A0A0] flex items-center gap-2">
+            <div className="ui-stat-row">
+              <span className="ui-muted font-medium flex items-center gap-2">
                <TokenIcon symbol="WETH9" size={20} />
                WETH9 Balance:
              </span>
-              <span className="text-white font-medium">
+              <span className="font-medium">
                {address && weth9Balance !== undefined
                  ? `${ethers.utils.formatEther(weth9Balance.toString())}`
                  : address
                  ? <LoadingSkeleton />
-                  : '0'} <span className="text-[#A0A0A0]">WETH9</span>
+                  : '0'} <span className="ui-muted">WETH9</span>
              </span>
            </div>
-            <div className="flex justify-between items-center p-4 bg-[#252830] rounded-lg border border-white/10 font-mono text-sm">
-              <span className="font-medium text-[#A0A0A0] flex items-center gap-2">
+            <div className="ui-stat-row">
+              <span className="ui-muted font-medium flex items-center gap-2">
                <TokenIcon symbol="LINK" size={20} />
                LINK Balance:
              </span>
-              <span className="text-white font-medium">
+              <span className="font-medium">
                {address && linkBalance !== undefined
                  ? `${ethers.utils.formatEther(linkBalance.toString())}`
                  : address
                  ? <LoadingSkeleton />
-                  : '0'} <span className="text-[#A0A0A0]">LINK</span>
+                  : '0'} <span className="ui-muted">LINK</span>
              </span>
            </div>
            {ccipFee != null && ccipFee.gt(0) && (
-              <div className="flex justify-between items-center p-4 bg-[#252830] rounded-lg border border-teal-500/30 font-mono text-sm">
-                <span className="font-medium text-[#A0A0A0] flex items-center gap-2">
+              <div className="ui-stat-row ui-stat-row--highlight">
+                <span className="ui-muted font-medium flex items-center gap-2">
                  <TokenIcon symbol="LINK" size={20} />
                  CCIP Fee:
                </span>
-                <span className="text-white font-medium">
-                  {ethers.utils.formatEther(ccipFee)} <span className="text-[#A0A0A0]">LINK</span>
+                <span className="font-medium">
+                  {ethers.utils.formatEther(ccipFee)} <span className="ui-muted">LINK</span>
                </span>
              </div>
            )}
@@ -573,7 +558,7 @@ function BridgeButtonsConnected({
          <button
            onClick={() => setShowWrapModal(true)}
            disabled={!needsWrapping || !address || isWrapping}
-            className="px-6 py-4 bg-[#252830] text-white rounded-xl font-semibold hover:bg-white/10 disabled:bg-gray-700 disabled:opacity-50 disabled:cursor-not-allowed transition-colors border border-white/20"
+            className="ui-btn-secondary w-full"
            aria-label="Wrap ETH to WETH9"
          >
            {isWrapping ? (
@@ -592,7 +577,7 @@ function BridgeButtonsConnected({
          <button
            onClick={() => setShowApproveModal(true)}
            disabled={!needsApproval || !address || isApproving}
-            className="px-6 py-4 bg-[#252830] text-white rounded-xl font-semibold hover:bg-white/10 disabled:bg-gray-700 disabled:opacity-50 disabled:cursor-not-allowed transition-colors border border-white/20"
+            className="ui-btn-secondary w-full"
            aria-label="Approve tokens for bridge"
          >
            {isApproving ? (
@@ -612,7 +597,7 @@ function BridgeButtonsConnected({
          <button
            onClick={() => setShowBridgeModal(true)}
            disabled={!canBridge || !address || isBridging}
-            className="w-full min-h-[56px] py-4 text-lg font-semibold bg-teal-600 text-white rounded-xl hover:bg-teal-500 disabled:bg-[#252830] disabled:opacity-50 disabled:cursor-not-allowed transition-colors focus:outline-none focus:ring-2 focus:ring-teal-500 focus:ring-offset-2 focus:ring-offset-[#252830] shadow-lg"
+            className="ui-btn-primary w-full min-h-[56px] text-lg"
            aria-label="Start bridge transfer"
          >
            {isBridging ? (
@@ -683,26 +668,11 @@ export default function BridgeButtons(props: BridgeButtonsProps) {
    const destination = CCIP_DESTINATIONS.find((d) => d.selector === destinationChainSelector);
    return (
      <div className="w-full">
-        <div className="mb-6">
-          <h2 className="text-[20px] font-semibold text-white flex items-center gap-2">
-            Bridge to
-            {destination && (
-              <>
-                <ChainIcon chainId={destination.chainId} name={destination.name} size={24} />
-                <span>{destination.name}</span>
-              </>
-            )}
-            {!destination && <span>Ethereum Mainnet</span>}
-          </h2>
-          <p className="text-[#A0A0A0] text-sm mt-1">
-            Wrap ETH, approve tokens, and bridge WETH9 via CCIP
-          </p>
-        </div>
-        <div className="mt-8 p-5 bg-amber-500/10 border border-amber-500/30 rounded-xl text-sm text-white font-medium flex items-center gap-4">
-          <svg className="h-6 w-6 text-yellow-300 flex-shrink-0" fill="none" viewBox="0 0 24 24" stroke="currentColor">
+        <div className="ui-alert">
+          <svg className="h-5 w-5 shrink-0 ui-accent-text" fill="none" viewBox="0 0 24 24" stroke="currentColor">
            <path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M12 9v2m0 4h.01m-6.938 4h13.856c1.54 0 2.502-1.667 1.732-3L13.732 4c-.77-1.333-2.694-1.333-3.464 0L3.34 16c-.77 1.333.192 3 1.732 3z" />
          </svg>
-          <span>Please connect your wallet to continue</span>
+          <span>Connect your wallet to bridge to {destination?.name ?? 'Ethereum Mainnet'}</span>
        </div>
      </div>
    );
--- a/frontend-dapp/src/components/layout/OmnlProductLayout.tsx
+++ b/frontend-dapp/src/components/layout/OmnlProductLayout.tsx
@@ -0,0 +1,60 @@
+import { Link, Outlet, useLocation } from 'react-router-dom';
+import { useRef } from 'react';
+import WalletConnect from '../wallet/WalletConnect';
+import WalletDisconnectNotice from '../wallet/WalletDisconnectNotice';
+
+const PRODUCTS = [
+  { path: '/central-bank', label: 'Central Bank', short: 'CB' },
+  { path: '/office-24', label: 'Office 24', short: 'O24' },
+  { path: '/trade', label: 'DBIS Trade', short: 'Trade' },
+] as const;
+
+export default function OmnlProductLayout() {
+  const location = useLocation();
+  const userInitiatedDisconnectRef = useRef(false);
+
+  const isActive = (path: string) => location.pathname.startsWith(path);
+
+  return (
+    <div className="omnl-app min-h-screen flex flex-col bg-[#0b0e11]">
+      <WalletDisconnectNotice userInitiatedDisconnectRef={userInitiatedDisconnectRef} />
+      <header className="omnl-app-header sticky top-0 z-50 border-b border-[#2b3139] bg-[#181a20]">
+        <div className="max-w-[1600px] mx-auto px-4 h-14 flex items-center gap-4">
+          <Link to="/central-bank" className="flex items-center gap-2 shrink-0">
+            <span className="w-8 h-8 rounded bg-[#f0b90b] text-[#181a20] font-bold flex items-center justify-center text-sm">
+              O
+            </span>
+            <span className="font-semibold text-[#eaecef] hidden sm:inline">OMNL</span>
+          </Link>
+
+          <nav className="flex items-center gap-1 flex-1" aria-label="OMNL products">
+            {PRODUCTS.map(({ path, label }) => (
+              <Link
+                key={path}
+                to={path}
+                className={`px-4 py-2 rounded text-sm font-medium transition-colors ${
+                  isActive(path)
+                    ? 'bg-[#2b3139] text-[#f0b90b]'
+                    : 'text-[#848e9c] hover:text-[#eaecef] hover:bg-[#1e2329]'
+                }`}
+              >
+                {label}
+              </Link>
+            ))}
+          </nav>
+
+          <Link
+            to="/"
+            className="text-xs text-[#848e9c] hover:text-[#f0b90b] hidden md:inline shrink-0"
+          >
+            Bridge →
+          </Link>
+          <WalletConnect onBeforeDisconnect={() => { userInitiatedDisconnectRef.current = true; }} />
+        </div>
+      </header>
+      <main className="flex-1">
+        <Outlet />
+      </main>
+    </div>
+  );
+}
--- a/frontend-dapp/src/config/dex.ts
+++ b/frontend-dapp/src/config/dex.ts
@@ -0,0 +1,71 @@
+/** DBIS Exchange — Chain 138 DEX addresses (Pancake/Uniswap V2 compatible) */
+
+export const DBIS_EXCHANGE_CHAIN_ID = 138;
+
+
+
+export const TOKEN_AGGREGATION_URL =
+
+  import.meta.env.VITE_TOKEN_AGGREGATION_URL || 'http://localhost:3000';
+
+
+
+export const DBIS_EXCHANGE_URL =
+
+  import.meta.env.VITE_DBIS_EXCHANGE_URL || 'http://localhost:3012';
+
+
+
+export const SETTLEMENT_MIDDLEWARE_URL =
+
+  import.meta.env.VITE_SETTLEMENT_MIDDLEWARE_URL || 'http://localhost:3011';
+
+
+
+export const ENHANCED_SWAP_ROUTER_V2 =
+
+  import.meta.env.VITE_ENHANCED_SWAP_ROUTER_V2 ||
+
+  '0xa421706768aeb7fafa2d912c5e10824ef3437ad4';
+
+
+
+export const UNISWAP_V2_ROUTER_138 =
+
+  import.meta.env.VITE_UNISWAP_V2_ROUTER_138 ||
+
+  '0x3019A7fDc76ba7F64F18d78e66842760037ee638';
+
+
+
+export type DexToken = {
+
+  symbol: string;
+
+  name: string;
+
+  address: string;
+
+  decimals: number;
+
+  native?: boolean;
+
+  omnlLine?: string;
+
+  moneyLayer?: string;
+
+  currencyCode?: string;
+
+  swappable?: boolean;
+
+  convertible?: boolean;
+
+  transferableInternal?: boolean;
+
+  transferableExternal?: boolean;
+
+};
+
+
+
+/** Fallback when exchange API unavailable */
--- a/frontend-dapp/src/config/supported-chains.ts
+++ b/frontend-dapp/src/config/supported-chains.ts
@@ -0,0 +1,31 @@
+import { SETTLEMENT_MIDDLEWARE_URL } from './dex';
+
+export type OmnlChainSummary = {
+  chainId: number;
+  name: string;
+  status: string;
+  tier: string;
+  omnlRole: string;
+  nativeSymbol: string;
+  settlement?: { swapEnabled?: boolean; bridgeEnabled?: boolean; m2LoadEnabled?: boolean };
+};
+
+export type ChainRegistryResponse = {
+  brand: string;
+  maxCapacity: number;
+  primaryChainId: number;
+  mirrorChainId: number;
+  stats?: { total: number; active: number; staged: number; reserved: number };
+  chains: OmnlChainSummary[];
+};
+
+export async function fetchOmnlChainRegistry(): Promise<ChainRegistryResponse | null> {
+  try {
+    const base = SETTLEMENT_MIDDLEWARE_URL.replace(/\/$/, '');
+    const res = await fetch(`${base}/api/v1/settlement/chains`);
+    if (!res.ok) return null;
+    return res.json();
+  } catch {
+    return null;
+  }
+}
--- a/frontend-dapp/src/features/central-bank/CentralBankDashboard.tsx
+++ b/frontend-dapp/src/features/central-bank/CentralBankDashboard.tsx
@@ -0,0 +1,170 @@
+import { useCentralBank } from './useCentralBank';
+import ChainMatrixPanel from './ChainMatrixPanel';
+import { SETTLEMENT_MIDDLEWARE_URL, DBIS_EXCHANGE_URL } from '../../config/dex';
+
+function StatCard({
+  label,
+  value,
+  sub,
+  accent,
+}: {
+  label: string;
+  value: string;
+  sub?: string;
+  accent?: 'gold' | 'green' | 'blue';
+}) {
+  const border =
+    accent === 'gold' ? 'border-l-[#f0b90b]' : accent === 'green' ? 'border-l-[#0ecb81]' : 'border-l-[#3861fb]';
+  return (
+    <div className={`cb-card border-l-4 ${border}`}>
+      <p className="text-xs text-[#848e9c] uppercase tracking-wide mb-1">{label}</p>
+      <p className="text-2xl font-semibold text-[#eaecef]">{value}</p>
+      {sub && <p className="text-xs text-[#848e9c] mt-1">{sub}</p>}
+    </div>
+  );
+}
+
+export default function CentralBankDashboard() {
+  const cb = useCentralBank();
+  const office = cb.office as {
+    officeId?: number;
+    name?: string;
+    externalId?: string;
+    settlement?: { moneyLayers?: string[]; glM0?: string; glM1?: string; glM2?: string };
+  } | null;
+
+  return (
+    <div className="cb-page max-w-[1400px] mx-auto px-4 py-6">
+      <header className="mb-8">
+        <div className="flex items-center gap-3 mb-2">
+          <span className="px-2 py-0.5 rounded text-xs font-medium bg-[#3861fb]/20 text-[#3861fb]">
+            OMNL Central Bank
+          </span>
+          <span className="px-2 py-0.5 rounded text-xs font-medium bg-[#0ecb81]/20 text-[#0ecb81]">
+            Production · 128 chains
+          </span>
+          <span className="text-xs text-[#848e9c]">Meta fiat · M0 / M1 / M2</span>
+        </div>
+        <h1 className="text-3xl font-bold text-[#eaecef]">Central Bank Operations</h1>
+        <p className="text-[#848e9c] mt-1">
+          Settlement orchestration · SWIFT · HYBX · Chain 138 token loading
+        </p>
+      </header>
+
+      {cb.error && (
+        <div className="mb-4 p-3 rounded bg-[#f6465d]/10 text-[#f6465d] text-sm">{cb.error}</div>
+      )}
+
+      <div className="grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-4 gap-4 mb-8">
+        <StatCard
+          label="M0 Reserve (GL 1050)"
+          value={cb.moneySupply?.M0?.gl1050 ?? '—'}
+          sub={`Backing ${cb.moneySupply?.M0?.backingRatio ?? 1.2}×`}
+          accent="blue"
+        />
+        <StatCard
+          label="M1 Circulating (GL 2100)"
+          value={cb.moneySupply?.M1?.circulating ?? '—'}
+          sub="Narrow money · eMoney"
+          accent="green"
+        />
+        <StatCard
+          label="M2 Broad (GL 2200)"
+          value={cb.moneySupply?.M2?.broadMoney ?? '—'}
+          sub="Token load source"
+          accent="gold"
+        />
+        <StatCard
+          label="M2 tokens registered"
+          value={String(cb.tokenCount)}
+          sub="Swappable · convertible · transferable"
+          accent="gold"
+        />
+      </div>
+
+      {!cb.moneySupply && (
+        <p className="text-xs text-[#848e9c] mb-6">
+          Set <code className="text-[#f0b90b]">VITE_OMNL_API_KEY</code> in .env.local to load live M0/M1/M2
+          balances from Fineract.
+        </p>
+      )}
+
+      <div className="grid grid-cols-1 lg:grid-cols-2 gap-6">
+        <section className="cb-card">
+          <h2 className="text-lg font-semibold text-[#eaecef] mb-4">Settlement service</h2>
+          <dl className="space-y-2 text-sm">
+            <div className="flex justify-between">
+              <dt className="text-[#848e9c]">Status</dt>
+              <dd className="text-[#0ecb81] font-medium">{(cb.health as { status?: string })?.status ?? '—'}</dd>
+            </div>
+            <div className="flex justify-between">
+              <dt className="text-[#848e9c]">Role</dt>
+              <dd className="text-[#eaecef] text-right max-w-[60%]">
+                {(cb.health as { role?: string })?.role ?? '—'}
+              </dd>
+            </div>
+            <div className="flex justify-between">
+              <dt className="text-[#848e9c]">API</dt>
+              <dd className="text-[#f0b90b] text-xs truncate max-w-[60%]">{SETTLEMENT_MIDDLEWARE_URL}</dd>
+            </div>
+          </dl>
+          <button
+            type="button"
+            className="mt-4 w-full py-2 rounded bg-[#2b3139] text-[#eaecef] text-sm hover:bg-[#474d57]"
+            onClick={() => cb.refresh()}
+          >
+            {cb.loading ? 'Refreshing…' : 'Refresh'}
+          </button>
+        </section>
+
+        <section className="cb-card">
+          <h2 className="text-lg font-semibold text-[#eaecef] mb-4">Money layers (Office {office?.officeId ?? 24})</h2>
+          <div className="flex flex-wrap gap-2 mb-4">
+            {(office?.settlement?.moneyLayers ?? ['M0', 'M1', 'M2']).map((layer) => (
+              <span key={layer} className="px-3 py-1 rounded-full bg-[#2b3139] text-[#f0b90b] text-xs font-medium">
+                {layer}
+              </span>
+            ))}
+          </div>
+          <dl className="space-y-2 text-sm">
+            <div className="flex justify-between">
+              <dt className="text-[#848e9c]">GL M0</dt>
+              <dd>{office?.settlement?.glM0 ?? '1050'}</dd>
+            </div>
+            <div className="flex justify-between">
+              <dt className="text-[#848e9c]">GL M1</dt>
+              <dd>{office?.settlement?.glM1 ?? '2100'}</dd>
+            </div>
+            <div className="flex justify-between">
+              <dt className="text-[#848e9c]">GL M2</dt>
+              <dd>{office?.settlement?.glM2 ?? '2200'}</dd>
+            </div>
+          </dl>
+        </section>
+
+        <section className="cb-card lg:col-span-2">
+          <h2 className="text-lg font-semibold text-[#eaecef] mb-4">Recent exchange activity</h2>
+          <ul className="space-y-2 text-sm">
+            {((cb.monitor as { swaps?: { status: string; tokenIn: string; createdAt: string }[] })?.swaps ?? [])
+              .slice(0, 8)
+              .map((s, i) => (
+                <li key={i} className="flex justify-between py-2 border-b border-[#2b3139] last:border-0">
+                  <span className="text-[#848e9c]">{s.status}</span>
+                  <span className="text-[#eaecef] font-mono text-xs truncate max-w-[50%]">{s.tokenIn?.slice(0, 10)}…</span>
+                  <span className="text-[#848e9c] text-xs">{s.createdAt?.slice(0, 16)}</span>
+                </li>
+              ))}
+            {!((cb.monitor as { swaps?: unknown[] })?.swaps?.length) && (
+              <li className="text-[#848e9c]">No swaps recorded yet</li>
+            )}
+          </ul>
+          <p className="text-xs text-[#848e9c] mt-4">
+            DBIS Exchange: {DBIS_EXCHANGE_URL} · Token-load &amp; transfers via settlement middleware
+          </p>
+        </section>
+
+        <ChainMatrixPanel />
+      </div>
+    </div>
+  );
+}
--- a/frontend-dapp/src/features/central-bank/ChainMatrixPanel.tsx
+++ b/frontend-dapp/src/features/central-bank/ChainMatrixPanel.tsx
@@ -0,0 +1,100 @@
+import { useEffect, useState } from 'react';
+import { fetchOmnlChainRegistry, type ChainRegistryResponse, type OmnlChainSummary } from '../../config/supported-chains';
+
+type Filter = 'all' | 'active' | 'primary' | 'l2';
+
+export default function ChainMatrixPanel() {
+  const [registry, setRegistry] = useState<ChainRegistryResponse | null>(null);
+  const [filter, setFilter] = useState<Filter>('active');
+  const [search, setSearch] = useState('');
+
+  useEffect(() => {
+    fetchOmnlChainRegistry().then(setRegistry);
+  }, []);
+
+  const chains = (registry?.chains ?? []).filter((c) => {
+    if (filter === 'active' && c.status !== 'active') return false;
+    if (filter === 'primary' && c.omnlRole !== 'settlement-hub' && c.omnlRole !== 'mirror-target') return false;
+    if (filter === 'l2' && c.tier !== 'l2') return false;
+    if (search) {
+      const q = search.toLowerCase();
+      return c.name.toLowerCase().includes(q) || String(c.chainId).includes(q) || c.nativeSymbol.toLowerCase().includes(q);
+    }
+    return true;
+  });
+
+  return (
+    <section className="cb-card lg:col-span-2">
+      <div className="flex flex-wrap items-center justify-between gap-3 mb-4">
+        <div>
+          <h2 className="text-lg font-semibold text-[#eaecef]">128-chain network matrix</h2>
+          <p className="text-xs text-[#848e9c]">
+            {registry?.stats?.active ?? 0} active · {registry?.stats?.staged ?? 0} staged ·{' '}
+            {registry?.stats?.reserved ?? 0} reserved · primary {registry?.primaryChainId ?? 138}
+          </p>
+        </div>
+        <input
+          type="search"
+          placeholder="Search chain…"
+          value={search}
+          onChange={(e) => setSearch(e.target.value)}
+          className="bg-[#2b3139] border border-[#474d57] rounded px-3 py-1.5 text-sm w-48"
+        />
+      </div>
+
+      <div className="flex gap-2 mb-4 flex-wrap">
+        {(['all', 'active', 'primary', 'l2'] as Filter[]).map((f) => (
+          <button
+            key={f}
+            type="button"
+            onClick={() => setFilter(f)}
+            className={`px-3 py-1 rounded text-xs capitalize ${
+              filter === f ? 'bg-[#f0b90b] text-[#181a20]' : 'bg-[#2b3139] text-[#848e9c]'
+            }`}
+          >
+            {f}
+          </button>
+        ))}
+      </div>
+
+      <div className="overflow-x-auto max-h-[360px] overflow-y-auto">
+        <table className="w-full text-sm">
+          <thead className="sticky top-0 bg-[#1e2329]">
+            <tr className="text-[#848e9c] text-xs uppercase text-left">
+              <th className="py-2 pr-3">ID</th>
+              <th className="py-2 pr-3">Network</th>
+              <th className="py-2 pr-3">Role</th>
+              <th className="py-2 pr-3">Status</th>
+              <th className="py-2 pr-3">Swap</th>
+              <th className="py-2">Bridge</th>
+            </tr>
+          </thead>
+          <tbody>
+            {chains.map((c: OmnlChainSummary) => (
+              <tr key={c.chainId} className="border-t border-[#2b3139] hover:bg-[#2b3139]/40">
+                <td className="py-1.5 pr-3 font-mono text-[#f0b90b]">{c.chainId}</td>
+                <td className="py-1.5 pr-3 text-[#eaecef]">{c.name}</td>
+                <td className="py-1.5 pr-3 text-xs text-[#848e9c]">{c.omnlRole}</td>
+                <td className="py-1.5 pr-3">
+                  <span
+                    className={`text-xs px-1.5 py-0.5 rounded ${
+                      c.status === 'active'
+                        ? 'bg-[#0ecb81]/15 text-[#0ecb81]'
+                        : c.status === 'staged'
+                          ? 'bg-[#f0b90b]/15 text-[#f0b90b]'
+                          : 'bg-[#848e9c]/15 text-[#848e9c]'
+                    }`}
+                  >
+                    {c.status}
+                  </span>
+                </td>
+                <td className="py-1.5 pr-3">{c.settlement?.swapEnabled ? '✓' : '—'}</td>
+                <td className="py-1.5">{c.settlement?.bridgeEnabled ? '✓' : '—'}</td>
+              </tr>
+            ))}
+          </tbody>
+        </table>
+      </div>
+    </section>
+  );
+}
--- a/frontend-dapp/src/features/central-bank/useCentralBank.ts
+++ b/frontend-dapp/src/features/central-bank/useCentralBank.ts
@@ -0,0 +1,60 @@
+import { useCallback, useEffect, useState } from 'react';
+import { DBIS_EXCHANGE_URL, SETTLEMENT_MIDDLEWARE_URL } from '../../config/dex';
+
+export type MoneySupply = {
+  asOf?: string;
+  officeId?: number;
+  M0?: { gl1050?: string; backingRatio?: number };
+  M1?: { circulating?: string; gl2100?: string };
+  M2?: { broadMoney?: string; gl2200?: string; metaFiatPending?: string };
+};
+
+export function useCentralBank() {
+  const [health, setHealth] = useState<Record<string, unknown> | null>(null);
+  const [office, setOffice] = useState<Record<string, unknown> | null>(null);
+  const [moneySupply, setMoneySupply] = useState<MoneySupply | null>(null);
+  const [tokenCount, setTokenCount] = useState(0);
+  const [monitor, setMonitor] = useState<Record<string, unknown> | null>(null);
+  const [loading, setLoading] = useState(true);
+  const [error, setError] = useState<string | null>(null);
+
+  const settlement = SETTLEMENT_MIDDLEWARE_URL.replace(/\/$/, '');
+  const exchange = DBIS_EXCHANGE_URL.replace(/\/$/, '');
+
+  const refresh = useCallback(async () => {
+    setLoading(true);
+    setError(null);
+    try {
+      const [h, o, m2, mon] = await Promise.all([
+        fetch(`${settlement}/api/v1/settlement/health`).then((r) => r.json()),
+        fetch(`${settlement}/api/v1/settlement/office`).then((r) => r.json()),
+        fetch(`${settlement}/api/v1/settlement/tokens/m2`).then((r) => r.json()),
+        fetch(`${exchange}/api/v1/exchange/swap/monitor?limit=10`).then((r) => r.json()),
+      ]);
+      setHealth(h);
+      setOffice(o);
+      setTokenCount(Array.isArray(m2.tokens) ? m2.tokens.length : 0);
+      setMonitor(mon);
+
+      const apiKey = import.meta.env.VITE_OMNL_API_KEY;
+      if (apiKey) {
+        const ms = await fetch(`${settlement}/api/v1/settlement/money-supply`, {
+          headers: { Authorization: `Bearer ${apiKey}` },
+        });
+        if (ms.ok) setMoneySupply(await ms.json());
+      }
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'Failed to load central bank data');
+    } finally {
+      setLoading(false);
+    }
+  }, [settlement, exchange]);
+
+  useEffect(() => {
+    refresh();
+    const id = setInterval(refresh, 30000);
+    return () => clearInterval(id);
+  }, [refresh]);
+
+  return { health, office, moneySupply, tokenCount, monitor, loading, error, refresh };
+}
--- a/frontend-dapp/src/features/office24/Office24Dashboard.tsx
+++ b/frontend-dapp/src/features/office24/Office24Dashboard.tsx
@@ -0,0 +1,123 @@
+import { Link } from 'react-router-dom';
+import { useOffice24 } from './useOffice24';
+
+export default function Office24Dashboard() {
+  const { office, tokens, health, loading, refresh } = useOffice24();
+  const profile = office as {
+    officeId?: number;
+    externalId?: string;
+    name?: string;
+    locked?: boolean;
+    tenantUser?: string;
+    settlement?: { defaultCurrency?: string; moneyLayers?: string[] };
+    rails?: { swift?: { enabled?: boolean }; hybx?: { enabled?: boolean }; chain138?: { enabled?: boolean } };
+  } | null;
+
+  return (
+    <div className="o24-page max-w-[1400px] mx-auto px-4 py-6">
+      <header className="mb-8 flex flex-wrap items-start justify-between gap-4">
+        <div>
+          <div className="flex items-center gap-2 mb-2">
+            <span className="px-2 py-0.5 rounded text-xs font-medium bg-[#0ecb81]/20 text-[#0ecb81]">
+              Office 24 · Locked
+            </span>
+            {profile?.locked && <span className="text-xs text-[#848e9c]">Single-office enforcement</span>}
+          </div>
+          <h1 className="text-3xl font-bold text-[#eaecef]">{profile?.name ?? 'HOSPITALLERS Ali Iraq-Iran'}</h1>
+          <p className="text-[#848e9c] mt-1 font-mono text-sm">{profile?.externalId ?? 'HOSPITALLERS-ALI-IRAQ-IRAN'}</p>
+        </div>
+        <Link
+          to="/trade"
+          className="px-5 py-2.5 rounded bg-[#f0b90b] text-[#181a20] font-semibold text-sm hover:bg-[#fcd535]"
+        >
+          Open DBIS Trade →
+        </Link>
+      </header>
+
+      <div className="grid grid-cols-1 md:grid-cols-3 gap-4 mb-8">
+        <div className="o24-card">
+          <p className="text-xs text-[#848e9c] uppercase">Office ID</p>
+          <p className="text-2xl font-bold text-[#0ecb81]">{profile?.officeId ?? 24}</p>
+        </div>
+        <div className="o24-card">
+          <p className="text-xs text-[#848e9c] uppercase">Default currency</p>
+          <p className="text-2xl font-bold text-[#eaecef]">{profile?.settlement?.defaultCurrency ?? 'USD'}</p>
+        </div>
+        <div className="o24-card">
+          <p className="text-xs text-[#848e9c] uppercase">M2 tradable tokens</p>
+          <p className="text-2xl font-bold text-[#f0b90b]">{tokens.length}</p>
+        </div>
+      </div>
+
+      <div className="grid grid-cols-1 lg:grid-cols-3 gap-6 mb-8">
+        <section className="o24-card lg:col-span-1">
+          <h2 className="font-semibold text-[#eaecef] mb-4">Settlement rails</h2>
+          <ul className="space-y-3 text-sm">
+            <li className="flex justify-between">
+              <span className="text-[#848e9c]">SWIFT</span>
+              <span className={profile?.rails?.swift?.enabled ? 'text-[#0ecb81]' : 'text-[#848e9c]'}>
+                {profile?.rails?.swift?.enabled ? 'Enabled' : 'Off'}
+              </span>
+            </li>
+            <li className="flex justify-between">
+              <span className="text-[#848e9c]">HYBX</span>
+              <span className={profile?.rails?.hybx?.enabled ? 'text-[#0ecb81]' : 'text-[#848e9c]'}>
+                {profile?.rails?.hybx?.enabled ? 'Enabled' : 'Off'}
+              </span>
+            </li>
+            <li className="flex justify-between">
+              <span className="text-[#848e9c]">Chain 138</span>
+              <span className={profile?.rails?.chain138?.enabled ? 'text-[#0ecb81]' : 'text-[#848e9c]'}>
+                {profile?.rails?.chain138?.enabled ? 'Enabled' : 'Off'}
+              </span>
+            </li>
+            <li className="flex justify-between">
+              <span className="text-[#848e9c]">Exchange</span>
+              <span className="text-[#0ecb81]">{(health as { status?: string })?.status ?? 'ok'}</span>
+            </li>
+          </ul>
+          <p className="text-xs text-[#848e9c] mt-4">Tenant: {profile?.tenantUser ?? 'ali_hospitallers_tenant'}</p>
+        </section>
+
+        <section className="o24-card lg:col-span-2">
+          <div className="flex items-center justify-between mb-4">
+            <h2 className="font-semibold text-[#eaecef]">M2 token registry — swap · convert · transfer</h2>
+            <button
+              type="button"
+              onClick={() => refresh()}
+              className="text-xs text-[#f0b90b] hover:underline"
+            >
+              {loading ? '…' : 'Refresh'}
+            </button>
+          </div>
+          <div className="overflow-x-auto max-h-[420px] overflow-y-auto">
+            <table className="w-full text-sm">
+              <thead className="sticky top-0 bg-[#1e2329]">
+                <tr className="text-[#848e9c] text-left text-xs uppercase">
+                  <th className="py-2 pr-4">Symbol</th>
+                  <th className="py-2 pr-4">Line</th>
+                  <th className="py-2 pr-4">Swap</th>
+                  <th className="py-2 pr-4">Convert</th>
+                  <th className="py-2">Xfer</th>
+                </tr>
+              </thead>
+              <tbody>
+                {tokens.map((t) => (
+                  <tr key={t.address} className="border-t border-[#2b3139] hover:bg-[#2b3139]/50">
+                    <td className="py-2 pr-4 font-medium text-[#eaecef]">{t.symbol}</td>
+                    <td className="py-2 pr-4 text-[#848e9c] text-xs">{t.omnlLine ?? 'M2'}</td>
+                    <td className="py-2 pr-4">{t.swappable !== false ? '✓' : '—'}</td>
+                    <td className="py-2 pr-4">{t.convertible !== false ? '✓' : '—'}</td>
+                    <td className="py-2 text-[#0ecb81]">
+                      {t.transferableInternal && t.transferableExternal ? 'Int+Ext' : '✓'}
+                    </td>
+                  </tr>
+                ))}
+              </tbody>
+            </table>
+          </div>
+        </section>
+      </div>
+    </div>
+  );
+}
--- a/frontend-dapp/src/features/office24/useOffice24.ts
+++ b/frontend-dapp/src/features/office24/useOffice24.ts
@@ -0,0 +1,42 @@
+import { useCallback, useEffect, useState } from 'react';
+import { DBIS_EXCHANGE_URL, SETTLEMENT_MIDDLEWARE_URL, type DexToken } from '../../config/dex';
+
+export type M2Token = DexToken & {
+  moneyLayer?: string;
+  swappable?: boolean;
+  convertible?: boolean;
+  transferableInternal?: boolean;
+  transferableExternal?: boolean;
+};
+
+export function useOffice24() {
+  const [office, setOffice] = useState<Record<string, unknown> | null>(null);
+  const [tokens, setTokens] = useState<M2Token[]>([]);
+  const [health, setHealth] = useState<Record<string, unknown> | null>(null);
+  const [loading, setLoading] = useState(true);
+
+  const settlement = SETTLEMENT_MIDDLEWARE_URL.replace(/\/$/, '');
+  const exchange = DBIS_EXCHANGE_URL.replace(/\/$/, '');
+
+  const refresh = useCallback(async () => {
+    setLoading(true);
+    try {
+      const [o, t, h] = await Promise.all([
+        fetch(`${settlement}/api/v1/settlement/office`).then((r) => r.json()),
+        fetch(`${settlement}/api/v1/settlement/tokens/m2`).then((r) => r.json()),
+        fetch(`${exchange}/api/v1/exchange/health`).then((r) => r.json()),
+      ]);
+      setOffice(o);
+      setTokens(Array.isArray(t.tokens) ? t.tokens : []);
+      setHealth(h);
+    } finally {
+      setLoading(false);
+    }
+  }, [settlement, exchange]);
+
+  useEffect(() => {
+    refresh();
+  }, [refresh]);
+
+  return { office, tokens, health, loading, refresh };
+}
--- a/frontend-dapp/src/features/swap/DBISSwapPanel.tsx
+++ b/frontend-dapp/src/features/swap/DBISSwapPanel.tsx
@@ -0,0 +1,298 @@
+import { useEffect } from 'react';
+import { useDbisSwap } from './useDbisSwap';
+import { formatAmountFromWei } from '../../config/dex';
+
+function TokenSelect({
+  label,
+  value,
+  onChange,
+  tokens,
+}: {
+  label: string;
+  value: { symbol: string; address: string };
+  onChange: (t: (typeof tokens)[0]) => void;
+  tokens: ReturnType<typeof useDbisSwap>['tokens'];
+}) {
+  return (
+    <label className="block">
+      <span className="text-xs ui-muted uppercase tracking-wide mb-1 block">{label}</span>
+      <select
+        className="ui-input w-full !min-h-[48px] font-semibold"
+        value={value.address}
+        onChange={(e) => {
+          const t = tokens.find((x) => x.address === e.target.value);
+          if (t) onChange(t);
+        }}
+      >
+        {tokens.map((t) => (
+          <option key={t.address} value={t.address}>
+            {t.symbol} — {t.name}
+          </option>
+        ))}
+      </select>
+    </label>
+  );
+}
+
+export default function DBISSwapPanel() {
+  const swap = useDbisSwap();
+
+  useEffect(() => {
+    swap.loadMonitor();
+  }, [swap.loadMonitor]);
+
+  useEffect(() => {
+    if (swap.isConnected) swap.loadLedgers();
+  }, [swap.isConnected, swap.address, swap.loadLedgers]);
+
+  const outDisplay =
+    swap.plan?.amountOut && swap.tokenOut
+      ? formatAmountFromWei(String(swap.plan.amountOut), swap.tokenOut.decimals)
+      : swap.plan?.plannerResponse?.routePlan?.minAmountOut
+        ? formatAmountFromWei(String(swap.plan.plannerResponse.routePlan.minAmountOut), swap.tokenOut.decimals)
+        : '—';
+
+  return (
+    <div className="grid grid-cols-1 lg:grid-cols-3 gap-6 max-w-6xl mx-auto">
+      <div className="lg:col-span-2">
+        <div className="ui-card p-6 border border-[var(--ui-border)]">
+          <div className="flex items-center justify-between mb-6">
+            <h2 className="text-xl font-bold ui-accent-text">DBIS Exchange</h2>
+            <span className="text-xs ui-muted px-2 py-1 ui-inset rounded">Office 24 · M2 · {swap.tokens.length} tokens</span>
+          </div>
+
+          <div className="space-y-4">
+            <TokenSelect label="From" value={swap.tokenIn} onChange={swap.setTokenIn} tokens={swap.tokens} />
+            <div className="flex justify-center">
+              <button
+                type="button"
+                className="ui-btn-secondary !rounded-full !p-2"
+                onClick={() => {
+                  const a = swap.tokenIn;
+                  swap.setTokenIn(swap.tokenOut);
+                  swap.setTokenOut(a);
+                }}
+                aria-label="Swap tokens"
+              >
+                ↕
+              </button>
+            </div>
+            <TokenSelect label="To" value={swap.tokenOut} onChange={swap.setTokenOut} tokens={swap.tokens} />
+
+            <label className="block">
+              <span className="text-xs ui-muted uppercase tracking-wide mb-1 block">Amount</span>
+              <input
+                type="text"
+                inputMode="decimal"
+                placeholder="0.0"
+                value={swap.amountIn}
+                onChange={(e) => swap.setAmountIn(e.target.value)}
+                className="ui-input w-full !min-h-[56px] text-2xl font-semibold"
+              />
+            </label>
+
+            <div className="flex items-center gap-3 text-sm">
+              <span className="ui-muted">Slippage</span>
+              {[25, 50, 100].map((bps) => (
+                <button
+                  key={bps}
+                  type="button"
+                  className={`px-3 py-1 rounded text-xs font-medium ${
+                    swap.slippageBps === bps ? 'ui-btn-primary' : 'ui-btn-secondary'
+                  }`}
+                  onClick={() => swap.setSlippageBps(bps)}
+                >
+                  {(bps / 100).toFixed(2)}%
+                </button>
+              ))}
+            </div>
+
+            <div className="ui-inset p-4 rounded-lg">
+              <p className="text-sm ui-muted mb-1">Expected output</p>
+              <p className="text-2xl font-bold">
+                {outDisplay} <span className="text-base ui-accent-text">{swap.tokenOut.symbol}</span>
+              </p>
+              {swap.plan?.plannerResponse?.routePlan?.legs && (
+                <p className="text-xs ui-muted mt-2">
+                  Route:{' '}
+                  {swap.plan.plannerResponse.routePlan.legs
+                    .map((l: { provider?: string }) => l.provider)
+                    .filter(Boolean)
+                    .join(' → ')}
+                </p>
+              )}
+            </div>
+
+            {swap.error && <p className="text-sm text-[var(--ui-danger)]">{swap.error}</p>}
+            {swap.txHash && (
+              <p className="text-xs ui-muted break-all">
+                Tx:{' '}
+                <a
+                  href={`https://explorer.d-bis.org/tx/${swap.txHash}`}
+                  target="_blank"
+                  rel="noreferrer"
+                  className="ui-accent-text hover:underline"
+                >
+                  {swap.txHash}
+                </a>
+              </p>
+            )}
+
+            <div className="flex gap-3 pt-2">
+              <button
+                type="button"
+                className="ui-btn-secondary flex-1 !min-h-[48px]"
+                disabled={swap.loading || !swap.amountIn}
+                onClick={() => swap.fetchPlan()}
+              >
+                {swap.loading ? '…' : 'Get quote'}
+              </button>
+              <button
+                type="button"
+                className="ui-btn-primary flex-1 !min-h-[48px] font-bold"
+                disabled={swap.loading || !swap.isConnected || !swap.amountIn}
+                onClick={() => swap.executeSwap()}
+              >
+                {!swap.isConnected ? 'Connect wallet' : swap.loading ? 'Swapping…' : 'Swap'}
+              </button>
+            </div>
+          </div>
+        </div>
+      </div>
+
+      <div className="space-y-4">
+        <div className="ui-card p-4">
+          <h3 className="font-semibold mb-3 text-sm ui-accent-text">OMNL Office 24 ledger</h3>
+          {!swap.isConnected ? (
+            <p className="text-sm ui-muted">Connect wallet for crypto balances</p>
+          ) : swap.ledger ? (
+            <div className="text-xs space-y-2">
+              <p>
+                <span className="ui-muted">M1 circulating:</span>{' '}
+                {(swap.ledger as { fundLedger?: { M1?: { circulating?: string } } }).fundLedger?.M1?.circulating ?? '—'}
+              </p>
+              <p>
+                <span className="ui-muted">M2 broad:</span>{' '}
+                {(swap.ledger as { fundLedger?: { M2?: { broadMoney?: string } } }).fundLedger?.M2?.broadMoney ?? '—'}
+              </p>
+              {(swap.ledger as { cryptoLedger?: { balances?: Record<string, string> } }).cryptoLedger?.balances && (
+                <div className="mt-2 pt-2 border-t border-[var(--ui-border)]">
+                  <p className="ui-muted mb-1">Wallet balances</p>
+                  {Object.entries(
+                    (swap.ledger as { cryptoLedger: { balances: Record<string, string> } }).cryptoLedger.balances,
+                  ).map(([sym, bal]) => (
+                    <p key={sym}>
+                      {sym}: {Number(bal).toFixed(4)}
+                    </p>
+                  ))}
+                </div>
+              )}
+            </div>
+          ) : (
+            <button type="button" className="ui-btn-secondary text-xs w-full" onClick={() => swap.loadLedgers()}>
+              Load ledgers
+            </button>
+          )}
+        </div>
+
+        <div className="ui-card p-4">
+          <h3 className="font-semibold mb-3 text-sm ui-accent-text">M2 token load</h3>
+          <p className="text-xs ui-muted mb-3">Load from M2 fiat (GL 2200) → on-chain · swappable · convertible</p>
+          <input
+            type="text"
+            inputMode="decimal"
+            placeholder="Amount (fiat)"
+            value={swap.loadAmount}
+            onChange={(e) => swap.setLoadAmount(e.target.value)}
+            className="ui-input w-full mb-2 text-sm"
+          />
+          <button
+            type="button"
+            className="ui-btn-primary text-xs w-full !min-h-[40px]"
+            disabled={swap.loading || !swap.isConnected || !swap.loadAmount}
+            onClick={() => swap.loadM2Token()}
+          >
+            Load {swap.tokenOut.symbol} from M2
+          </button>
+        </div>
+
+        <div className="ui-card p-4">
+          <h3 className="font-semibold mb-3 text-sm">Transfer</h3>
+          <input
+            type="text"
+            placeholder="Recipient (0x… or address)"
+            value={swap.transferTo}
+            onChange={(e) => swap.setTransferTo(e.target.value)}
+            className="ui-input w-full mb-2 text-sm font-mono"
+          />
+          <input
+            type="text"
+            inputMode="decimal"
+            placeholder="Amount"
+            value={swap.transferAmount}
+            onChange={(e) => swap.setTransferAmount(e.target.value)}
+            className="ui-input w-full mb-2 text-sm"
+          />
+          <div className="flex gap-2 mb-2">
+            <button
+              type="button"
+              className="ui-btn-secondary text-xs flex-1 !min-h-[36px]"
+              disabled={swap.loading || !swap.isConnected}
+              onClick={() => swap.internalTransfer()}
+            >
+              Internal
+            </button>
+          </div>
+          <input
+            type="text"
+            placeholder="External IBAN (SWIFT)"
+            value={swap.externalIban}
+            onChange={(e) => swap.setExternalIban(e.target.value)}
+            className="ui-input w-full mb-2 text-sm font-mono"
+          />
+          <button
+            type="button"
+            className="ui-btn-secondary text-xs w-full !min-h-[36px]"
+            disabled={swap.loading || !swap.isConnected || !swap.externalIban}
+            onClick={() => swap.externalTransfer()}
+          >
+            External (SWIFT)
+          </button>
+        </div>
+
+        {swap.lastSettlement && (
+          <div className="ui-card p-4">
+            <h3 className="font-semibold mb-2 text-sm">Last settlement</h3>
+            <p className="text-xs ui-muted break-all">
+              {(swap.lastSettlement as { phase?: string }).phase ?? 'OK'} ·{' '}
+              {(swap.lastSettlement as { settlementId?: string }).settlementId ?? '—'}
+            </p>
+          </div>
+        )}
+
+        <div className="ui-card p-4">
+          <h3 className="font-semibold mb-3 text-sm">Swap monitor</h3>
+          {swap.monitor ? (
+            <div className="text-xs space-y-2">
+              <p>
+                Total: {(swap.monitor as { stats?: { total?: number } }).stats?.total ?? 0} · 24h:{' '}
+                {(swap.monitor as { stats?: { last24h?: number } }).stats?.last24h ?? 0}
+              </p>
+              <ul className="max-h-40 overflow-y-auto space-y-1">
+                {((swap.monitor as { swaps?: { tokenIn: string; status: string; createdAt: string }[] }).swaps ?? [])
+                  .slice(0, 5)
+                  .map((s, i) => (
+                    <li key={i} className="ui-muted truncate">
+                      {s.status} · {s.createdAt.slice(0, 16)}
+                    </li>
+                  ))}
+              </ul>
+            </div>
+          ) : (
+            <p className="text-xs ui-muted">Loading…</p>
+          )}
+        </div>
+      </div>
+    </div>
+  );
+}
--- a/frontend-dapp/src/features/swap/useDbisSwap.ts
+++ b/frontend-dapp/src/features/swap/useDbisSwap.ts
@@ -0,0 +1,297 @@
+import { useCallback, useEffect, useState } from 'react';
+import { useAccount, useSendTransaction } from 'wagmi';
+import {
+  DBIS_EXCHANGE_URL,
+  DEFAULT_TOKENS,
+  fetchExchangeTokens,
+  parseAmountToWei,
+  type DexToken,
+} from '../../config/dex';
+
+export type SwapPlan = {
+  amountOut?: string;
+  plannerResponse?: {
+    routePlan?: { minAmountOut?: string; legs?: { provider?: string }[] };
+  };
+  execution?: { contractAddress: string; encodedCalldata: string };
+  error?: string;
+};
+
+export function useDbisSwap() {
+  const { address, isConnected } = useAccount();
+  const { sendTransactionAsync } = useSendTransaction();
+  const [tokens, setTokens] = useState<DexToken[]>(DEFAULT_TOKENS);
+  const [tokenIn, setTokenIn] = useState<DexToken>(DEFAULT_TOKENS[4]);
+  const [tokenOut, setTokenOut] = useState<DexToken>(DEFAULT_TOKENS[5]);
+  const [amountIn, setAmountIn] = useState('');
+  const [slippageBps, setSlippageBps] = useState(50);
+  const [plan, setPlan] = useState<SwapPlan | null>(null);
+  const [loading, setLoading] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+  const [txHash, setTxHash] = useState<string | undefined>();
+  const [ledger, setLedger] = useState<Record<string, unknown> | null>(null);
+  const [monitor, setMonitor] = useState<Record<string, unknown> | null>(null);
+  const [transferTo, setTransferTo] = useState('');
+  const [transferAmount, setTransferAmount] = useState('');
+  const [externalIban, setExternalIban] = useState('');
+  const [loadAmount, setLoadAmount] = useState('');
+  const [lastSettlement, setLastSettlement] = useState<Record<string, unknown> | null>(null);
+
+  const baseUrl = DBIS_EXCHANGE_URL.replace(/\/$/, '');
+
+  useEffect(() => {
+    fetchExchangeTokens().then((list) => {
+      setTokens(list);
+      setTokenIn(list.find((t) => t.symbol === 'cUSDT') ?? list[4] ?? list[0]);
+      setTokenOut(list.find((t) => t.symbol === 'cUSDC') ?? list[5] ?? list[1]);
+    });
+  }, []);
+
+  const loadLedgers = useCallback(async () => {
+    if (!address) return;
+    try {
+      const q = new URLSearchParams({ wallet: address });
+      const res = await fetch(`${baseUrl}/api/v1/exchange/ledgers?${q}`);
+      if (res.ok) setLedger(await res.json());
+    } catch {
+      /* optional */
+    }
+  }, [address, baseUrl]);
+
+  const fetchQuote = useCallback(async () => {
+    if (!amountIn) return;
+    setLoading(true);
+    setError(null);
+    try {
+      const wei = parseAmountToWei(amountIn, tokenIn.decimals);
+      const q = new URLSearchParams({
+        tokenIn: tokenIn.address,
+        tokenOut: tokenOut.address,
+        amountIn: wei,
+      });
+      const res = await fetch(`${baseUrl}/api/v1/exchange/quote?${q}`);
+      if (!res.ok) throw new Error(await res.text());
+      const quote = await res.json();
+      setPlan({ amountOut: quote.amountOut ?? quote.expectedOutput });
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'Quote failed');
+    } finally {
+      setLoading(false);
+    }
+  }, [amountIn, tokenIn, tokenOut, baseUrl]);
+
+  const fetchPlan = useCallback(async () => {
+    if (!amountIn || !address) return;
+    setLoading(true);
+    setError(null);
+    try {
+      const wei = parseAmountToWei(amountIn, tokenIn.decimals);
+      const res = await fetch(`${baseUrl}/api/v1/exchange/execute-plan`, {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          tokenIn: tokenIn.address,
+          tokenOut: tokenOut.address,
+          amountIn: wei,
+          recipient: address,
+          maxSlippageBps: slippageBps,
+        }),
+      });
+      const data = await res.json();
+      if (!res.ok) throw new Error(data.error || 'Plan failed');
+      setPlan(data);
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'Plan failed');
+    } finally {
+      setLoading(false);
+    }
+  }, [amountIn, tokenIn, tokenOut, address, slippageBps, baseUrl]);
+
+  const settleSwap = useCallback(
+    async (hash: string) => {
+      try {
+        const res = await fetch(`${baseUrl}/api/v1/exchange/swap/settle`, {
+          method: 'POST',
+          headers: { 'Content-Type': 'application/json' },
+          body: JSON.stringify({
+            amount: amountIn,
+            recipientAddress: address,
+            currency: tokenIn.currencyCode ?? 'USD',
+            tokenLineId: tokenOut.omnlLine ?? `${tokenOut.symbol}-M2`,
+            tokenSymbol: tokenOut.symbol,
+            remittanceInfo: `Swap ${tokenIn.symbol}→${tokenOut.symbol} tx ${hash}`,
+          }),
+        });
+        if (res.ok) setLastSettlement(await res.json());
+      } catch {
+        /* optional M2 audit */
+      }
+    },
+    [baseUrl, amountIn, address, tokenIn, tokenOut],
+  );
+
+  const executeSwap = useCallback(async () => {
+    if (!plan?.execution || !address) {
+      await fetchPlan();
+      return;
+    }
+    setLoading(true);
+    setError(null);
+    try {
+      const hash = await sendTransactionAsync({
+        to: plan.execution.contractAddress as `0x${string}`,
+        data: plan.execution.encodedCalldata as `0x${string}`,
+      });
+      setTxHash(hash);
+      await fetch(`${baseUrl}/api/v1/exchange/swap/record`, {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          tokenIn: tokenIn.address,
+          tokenOut: tokenOut.address,
+          amountIn: parseAmountToWei(amountIn, tokenIn.decimals),
+          wallet: address,
+          txHash: hash,
+          status: 'SUBMITTED',
+          routeProviders: plan.plannerResponse?.routePlan?.legs?.map((l) => l.provider).filter(Boolean),
+        }),
+      });
+      await settleSwap(hash);
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'Swap failed');
+    } finally {
+      setLoading(false);
+    }
+  }, [plan, address, sendTransactionAsync, fetchPlan, tokenIn, tokenOut, amountIn, baseUrl, settleSwap]);
+
+  const loadM2Token = useCallback(async () => {
+    if (!address || !loadAmount) return;
+    setLoading(true);
+    setError(null);
+    try {
+      const res = await fetch(`${baseUrl}/api/v1/exchange/token-load`, {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          idempotencyKey: `LOAD-${Date.now()}`,
+          tokenAddress: tokenOut.address,
+          symbol: tokenOut.symbol,
+          lineId: tokenOut.omnlLine ?? 'USD-M2',
+          amount: loadAmount,
+          recipientAddress: address,
+          currency: tokenOut.currencyCode ?? 'USD',
+        }),
+      });
+      const data = await res.json();
+      if (!res.ok) throw new Error(data.error || data.errors?.join(', ') || 'Token load failed');
+      setLastSettlement(data);
+      await loadLedgers();
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'M2 token load failed');
+    } finally {
+      setLoading(false);
+    }
+  }, [address, loadAmount, tokenOut, baseUrl, loadLedgers]);
+
+  const internalTransfer = useCallback(async () => {
+    if (!address || !transferTo || !transferAmount) return;
+    setLoading(true);
+    setError(null);
+    try {
+      const res = await fetch(`${baseUrl}/api/v1/exchange/transfer/internal`, {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          idempotencyKey: `XFER-INT-${Date.now()}`,
+          tokenAddress: tokenIn.address,
+          tokenSymbol: tokenIn.symbol,
+          amount: transferAmount,
+          recipientAddress: transferTo,
+          senderAddress: address,
+        }),
+      });
+      const data = await res.json();
+      if (!res.ok) throw new Error(data.error || data.errors?.join(', ') || 'Transfer failed');
+      setLastSettlement(data);
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'Internal transfer failed');
+    } finally {
+      setLoading(false);
+    }
+  }, [address, transferTo, transferAmount, tokenIn, baseUrl]);
+
+  const externalTransfer = useCallback(async () => {
+    if (!address || !transferTo || !transferAmount || !externalIban) return;
+    setLoading(true);
+    setError(null);
+    try {
+      const res = await fetch(`${baseUrl}/api/v1/exchange/transfer/external`, {
+        method: 'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body: JSON.stringify({
+          idempotencyKey: `XFER-EXT-${Date.now()}`,
+          tokenAddress: tokenIn.address,
+          tokenSymbol: tokenIn.symbol,
+          amount: transferAmount,
+          recipientAddress: transferTo,
+          creditorIban: externalIban,
+          remittanceInfo: `OMNL M2 external ${tokenIn.symbol}`,
+        }),
+      });
+      const data = await res.json();
+      if (!res.ok) throw new Error(data.error || data.errors?.join(', ') || 'External transfer failed');
+      setLastSettlement(data);
+    } catch (e) {
+      setError(e instanceof Error ? e.message : 'External transfer failed');
+    } finally {
+      setLoading(false);
+    }
+  }, [address, transferTo, transferAmount, externalIban, tokenIn, baseUrl]);
+
+  const loadMonitor = useCallback(async () => {
+    try {
+      const res = await fetch(`${baseUrl}/api/v1/exchange/swap/monitor?limit=20`);
+      if (res.ok) setMonitor(await res.json());
+    } catch {
+      /* optional */
+    }
+  }, [baseUrl]);
+
+  return {
+    address,
+    isConnected,
+    tokens,
+    tokenIn,
+    setTokenIn,
+    tokenOut,
+    setTokenOut,
+    amountIn,
+    setAmountIn,
+    slippageBps,
+    setSlippageBps,
+    plan,
+    loading,
+    error,
+    txHash,
+    ledger,
+    monitor,
+    transferTo,
+    setTransferTo,
+    transferAmount,
+    setTransferAmount,
+    externalIban,
+    setExternalIban,
+    loadAmount,
+    setLoadAmount,
+    lastSettlement,
+    fetchQuote,
+    fetchPlan,
+    executeSwap,
+    loadM2Token,
+    internalTransfer,
+    externalTransfer,
+    loadLedgers,
+    loadMonitor,
+    parseAmountToWei,
+  };
+}
--- a/frontend-dapp/src/features/trade/BinanceTradePanel.tsx
+++ b/frontend-dapp/src/features/trade/BinanceTradePanel.tsx
@@ -0,0 +1,325 @@
+import { useEffect, useMemo, useState } from 'react';
+import { useDbisSwap } from '../swap/useDbisSwap';
+import { formatAmountFromWei, type DexToken } from '../../config/dex';
+import TokenIcon from '../../components/ui/TokenIcon';
+
+type Side = 'buy' | 'sell';
+
+function MarketRow({
+  token,
+  quote,
+  active,
+  onClick,
+}: {
+  token: DexToken;
+  quote: string;
+  active: boolean;
+  onClick: () => void;
+}) {
+  return (
+    <button
+      type="button"
+      onClick={onClick}
+      className={`trade-market-row w-full text-left px-3 py-2 flex justify-between items-center text-sm ${
+        active ? 'trade-market-row--active' : ''
+      }`}
+    >
+      <span className="font-medium text-[#eaecef]">
+        {token.symbol}
+        <span className="text-[#848e9c]">/{quote}</span>
+      </span>
+      <span className="text-[#0ecb81] text-xs">M2</span>
+    </button>
+  );
+}
+
+function OrderBookMock({ price }: { price: string }) {
+  const base = parseFloat(price) || 1;
+  const rows = Array.from({ length: 8 }, (_, i) => {
+    const p = base * (1 + (4 - i) * 0.001);
+    const amt = (Math.random() * 2 + 0.1).toFixed(4);
+    return { price: p.toFixed(4), amount: amt, side: i < 4 ? 'ask' : 'bid' };
+  });
+  return (
+    <div className="trade-orderbook text-xs font-mono">
+      <div className="flex justify-between text-[#848e9c] px-2 py-1 border-b border-[#2b3139]">
+        <span>Price</span>
+        <span>Amount</span>
+      </div>
+      {rows.slice(0, 4).map((r) => (
+        <div key={`a-${r.price}`} className="flex justify-between px-2 py-0.5 text-[#f6465d]">
+          <span>{r.price}</span>
+          <span>{r.amount}</span>
+        </div>
+      ))}
+      <div className="text-center py-2 text-lg font-semibold text-[#0ecb81] border-y border-[#2b3139] my-1">
+        {price || '—'}
+      </div>
+      {rows.slice(4).map((r) => (
+        <div key={`b-${r.price}`} className="flex justify-between px-2 py-0.5 text-[#0ecb81]">
+          <span>{r.price}</span>
+          <span>{r.amount}</span>
+        </div>
+      ))}
+    </div>
+  );
+}
+
+export default function BinanceTradePanel() {
+  const swap = useDbisSwap();
+  const [side, setSide] = useState<Side>('buy');
+  const [marketSearch, setMarketSearch] = useState('');
+  const [orderType, setOrderType] = useState<'market' | 'limit'>('market');
+
+  useEffect(() => {
+    swap.loadMonitor();
+  }, [swap.loadMonitor]);
+
+  useEffect(() => {
+    if (swap.isConnected) swap.loadLedgers();
+  }, [swap.isConnected, swap.address, swap.loadLedgers]);
+
+  const quoteSymbol = 'cUSDT';
+  const quoteToken = swap.tokens.find((t) => t.symbol === quoteSymbol) ?? swap.tokens.find((t) => t.symbol.includes('USDT'));
+
+  const markets = useMemo(() => {
+    const q = marketSearch.trim().toLowerCase();
+    return swap.tokens.filter(
+      (t) =>
+        !t.native &&
+        t.symbol !== quoteToken?.symbol &&
+        (!q || t.symbol.toLowerCase().includes(q) || t.name.toLowerCase().includes(q)),
+    );
+  }, [swap.tokens, marketSearch, quoteToken]);
+
+  const selectMarket = (base: DexToken) => {
+    if (side === 'buy') {
+      swap.setTokenIn(quoteToken ?? swap.tokenIn);
+      swap.setTokenOut(base);
+    } else {
+      swap.setTokenIn(base);
+      swap.setTokenOut(quoteToken ?? swap.tokenOut);
+    }
+  };
+
+  const outDisplay =
+    swap.plan?.amountOut && swap.tokenOut
+      ? formatAmountFromWei(String(swap.plan.amountOut), swap.tokenOut.decimals)
+      : '—';
+
+  const displayPrice =
+    swap.amountIn && outDisplay !== '—'
+      ? (parseFloat(outDisplay) / parseFloat(swap.amountIn || '1')).toFixed(6)
+      : '—';
+
+  return (
+    <div className="trade-layout">
+      {/* Markets sidebar */}
+      <aside className="trade-markets hidden lg:flex flex-col border-r border-[#2b3139] bg-[#181a20]">
+        <div className="p-3 border-b border-[#2b3139]">
+          <input
+            type="search"
+            placeholder="Search markets"
+            value={marketSearch}
+            onChange={(e) => setMarketSearch(e.target.value)}
+            className="w-full bg-[#2b3139] border border-[#474d57] rounded px-3 py-2 text-sm text-[#eaecef] placeholder:text-[#848e9c]"
+          />
+        </div>
+        <div className="flex-1 overflow-y-auto">
+          <p className="px-3 py-2 text-xs text-[#848e9c] uppercase">M2 · {markets.length} pairs</p>
+          {markets.map((t) => (
+            <MarketRow
+              key={t.address}
+              token={t}
+              quote={quoteToken?.symbol ?? 'USDT'}
+              active={swap.tokenOut.symbol === t.symbol || swap.tokenIn.symbol === t.symbol}
+              onClick={() => selectMarket(t)}
+            />
+          ))}
+        </div>
+      </aside>
+
+      {/* Chart + order book */}
+      <section className="trade-center flex flex-col min-w-0">
+        <div className="trade-pair-header flex flex-wrap items-center gap-4 px-4 py-3 border-b border-[#2b3139] bg-[#181a20]">
+          <div className="flex items-center gap-2">
+            <TokenIcon symbol={swap.tokenOut.symbol} size={28} />
+            <h1 className="text-xl font-bold text-[#eaecef]">
+              {swap.tokenOut.symbol}/{quoteToken?.symbol ?? 'USDT'}
+            </h1>
+          </div>
+          <span className="text-2xl font-semibold text-[#0ecb81]">{displayPrice}</span>
+          <span className="text-xs px-2 py-1 rounded bg-[#0ecb81]/10 text-[#0ecb81]">Office 24 · Chain 138</span>
+          <span className="text-xs text-[#848e9c]">37 M2 tokens · tradable &amp; swappable</span>
+        </div>
+
+        <div className="flex-1 grid grid-cols-1 xl:grid-cols-[1fr_280px] min-h-[320px]">
+          <div className="trade-chart bg-[#0b0e11] border-b xl:border-b-0 xl:border-r border-[#2b3139] p-4">
+            <div className="h-full min-h-[240px] rounded border border-[#2b3139] bg-[#181a20] flex items-end justify-around px-2 pb-2 gap-1">
+              {Array.from({ length: 24 }, (_, i) => (
+                <div
+                  key={i}
+                  className="flex-1 max-w-[12px] rounded-t opacity-80"
+                  style={{
+                    height: `${30 + Math.sin(i * 0.5) * 20 + Math.random() * 25}%`,
+                    background: i % 3 === 0 ? '#f6465d' : '#0ecb81',
+                  }}
+                />
+              ))}
+            </div>
+            <p className="text-xs text-[#848e9c] mt-2 text-center">Live chart · connect WebSocket feed for production</p>
+          </div>
+          <div className="trade-book hidden xl:block bg-[#181a20] p-2">
+            <p className="text-xs text-[#848e9c] uppercase px-2 py-1">Order book</p>
+            <OrderBookMock price={displayPrice} />
+          </div>
+        </div>
+
+        <div className="trade-recent border-t border-[#2b3139] bg-[#181a20] p-3 max-h-[140px] overflow-y-auto">
+          <p className="text-xs text-[#848e9c] uppercase mb-2">Recent trades</p>
+          <div className="grid grid-cols-3 gap-2 text-xs font-mono text-[#848e9c]">
+            {((swap.monitor as { swaps?: { status: string; amountIn: string; createdAt: string }[] })?.swaps ?? [])
+              .slice(0, 6)
+              .map((s, i) => (
+                <span key={i} className="col-span-3 flex justify-between">
+                  <span className={s.status === 'FAILED' ? 'text-[#f6465d]' : 'text-[#0ecb81]'}>{s.status}</span>
+                  <span>{s.amountIn?.slice(0, 12)}</span>
+                  <span>{s.createdAt?.slice(11, 19)}</span>
+                </span>
+              ))}
+          </div>
+        </div>
+      </section>
+
+      {/* Trade panel */}
+      <aside className="trade-panel w-full lg:w-[320px] shrink-0 border-l border-[#2b3139] bg-[#181a20] flex flex-col">
+        <div className="flex border-b border-[#2b3139]">
+          <button
+            type="button"
+            className={`flex-1 py-3 text-sm font-semibold ${side === 'buy' ? 'text-[#0ecb81] border-b-2 border-[#0ecb81]' : 'text-[#848e9c]'}`}
+            onClick={() => {
+              setSide('buy');
+              if (quoteToken) swap.setTokenIn(quoteToken);
+            }}
+          >
+            Buy
+          </button>
+          <button
+            type="button"
+            className={`flex-1 py-3 text-sm font-semibold ${side === 'sell' ? 'text-[#f6465d] border-b-2 border-[#f6465d]' : 'text-[#848e9c]'}`}
+            onClick={() => {
+              setSide('sell');
+              if (quoteToken) swap.setTokenOut(quoteToken);
+            }}
+          >
+            Sell
+          </button>
+        </div>
+
+        <div className="p-4 flex-1 flex flex-col gap-4">
+          <div className="flex gap-2 text-xs">
+            {(['market', 'limit'] as const).map((t) => (
+              <button
+                key={t}
+                type="button"
+                onClick={() => setOrderType(t)}
+                className={`px-3 py-1 rounded capitalize ${orderType === t ? 'bg-[#2b3139] text-[#f0b90b]' : 'text-[#848e9c]'}`}
+              >
+                {t}
+              </button>
+            ))}
+          </div>
+
+          <label className="block">
+            <span className="text-xs text-[#848e9c]">Pay with</span>
+            <select
+              className="w-full mt-1 bg-[#2b3139] border border-[#474d57] rounded px-3 py-2 text-sm"
+              value={swap.tokenIn.address}
+              onChange={(e) => {
+                const t = swap.tokens.find((x) => x.address === e.target.value);
+                if (t) swap.setTokenIn(t);
+              }}
+            >
+              {swap.tokens.map((t) => (
+                <option key={t.address} value={t.address}>
+                  {t.symbol}
+                </option>
+              ))}
+            </select>
+          </label>
+
+          <label className="block">
+            <span className="text-xs text-[#848e9c]">Receive</span>
+            <select
+              className="w-full mt-1 bg-[#2b3139] border border-[#474d57] rounded px-3 py-2 text-sm"
+              value={swap.tokenOut.address}
+              onChange={(e) => {
+                const t = swap.tokens.find((x) => x.address === e.target.value);
+                if (t) swap.setTokenOut(t);
+              }}
+            >
+              {swap.tokens.map((t) => (
+                <option key={t.address} value={t.address}>
+                  {t.symbol}
+                </option>
+              ))}
+            </select>
+          </label>
+
+          <label className="block">
+            <span className="text-xs text-[#848e9c]">Amount</span>
+            <input
+              type="text"
+              inputMode="decimal"
+              value={swap.amountIn}
+              onChange={(e) => swap.setAmountIn(e.target.value)}
+              className="w-full mt-1 bg-[#2b3139] border border-[#474d57] rounded px-3 py-3 text-lg font-semibold"
+              placeholder="0.00"
+            />
+          </label>
+
+          <div className="text-sm text-[#848e9c]">
+            Est. receive: <span className="text-[#eaecef] font-medium">{outDisplay} {swap.tokenOut.symbol}</span>
+          </div>
+
+          <div className="flex gap-1">
+            {[25, 50, 100].map((bps) => (
+              <button
+                key={bps}
+                type="button"
+                onClick={() => swap.setSlippageBps(bps)}
+                className={`flex-1 py-1 text-xs rounded ${swap.slippageBps === bps ? 'bg-[#f0b90b] text-[#181a20]' : 'bg-[#2b3139] text-[#848e9c]'}`}
+              >
+                {(bps / 100).toFixed(1)}%
+              </button>
+            ))}
+          </div>
+
+          {swap.error && <p className="text-xs text-[#f6465d]">{swap.error}</p>}
+
+          <button
+            type="button"
+            disabled={swap.loading || !swap.isConnected || !swap.amountIn}
+            onClick={() => swap.executeSwap()}
+            className={`w-full py-3 rounded font-bold text-[#181a20] ${
+              side === 'buy' ? 'bg-[#0ecb81] hover:opacity-90' : 'bg-[#f6465d] hover:opacity-90'
+            } disabled:opacity-50`}
+          >
+            {!swap.isConnected ? 'Connect wallet' : swap.loading ? 'Processing…' : side === 'buy' ? 'Buy' : 'Sell'}
+          </button>
+
+          {swap.txHash && (
+            <a
+              href={`https://explorer.d-bis.org/tx/${swap.txHash}`}
+              target="_blank"
+              rel="noreferrer"
+              className="text-xs text-[#f0b90b] break-all hover:underline"
+            >
+              Tx: {swap.txHash.slice(0, 18)}…
+            </a>
+          )}
+        </div>
+      </aside>
+    </div>
+  );
+}
--- a/frontend-dapp/src/pages/CentralBankPage.tsx
+++ b/frontend-dapp/src/pages/CentralBankPage.tsx
@@ -0,0 +1,5 @@
+import CentralBankDashboard from '../features/central-bank/CentralBankDashboard';
+
+export default function CentralBankPage() {
+  return <CentralBankDashboard />;
+}
--- a/frontend-dapp/src/pages/Office24Page.tsx
+++ b/frontend-dapp/src/pages/Office24Page.tsx
@@ -0,0 +1,5 @@
+import Office24Dashboard from '../features/office24/Office24Dashboard';
+
+export default function Office24Page() {
+  return <Office24Dashboard />;
+}
--- a/frontend-dapp/src/pages/SwapPage.tsx
+++ b/frontend-dapp/src/pages/SwapPage.tsx
@@ -1,9 +1,13 @@
+import PageShell from '../components/ui/PageShell'
+import DBISSwapPanel from '../features/swap/DBISSwapPanel'
+
 export default function SwapPage() {
  return (
-    <div className="container mx-auto px-4 py-8">
-      <h1 className="text-3xl font-bold mb-6">Swap</h1>
-      <p className="text-gray-600">DEX swap interface coming soon...</p>
-    </div>
+    <PageShell
+      title="DBIS Exchange"
+      subtitle="Classic swap UI · use DBIS Trade for Binance-style terminal"
+    >
+      <DBISSwapPanel />
+    </PageShell>
  )
 }
-
--- a/frontend-dapp/src/pages/TradePage.tsx
+++ b/frontend-dapp/src/pages/TradePage.tsx
@@ -0,0 +1,5 @@
+import BinanceTradePanel from '../features/trade/BinanceTradePanel';
+
+export default function TradePage() {
+  return <BinanceTradePanel />;
+}
--- a/frontend-dapp/src/styles/omnl-apps.css
+++ b/frontend-dapp/src/styles/omnl-apps.css
@@ -0,0 +1,58 @@
+/* OMNL product UIs — Central Bank, Office 24, Binance-style trade */
+
+.cb-page,
+.o24-page {
+  min-height: calc(100vh - 56px);
+}
+
+.cb-card,
+.o24-card {
+  background: #1e2329;
+  border: 1px solid #2b3139;
+  border-radius: 4px;
+  padding: 1.25rem;
+}
+
+/* Binance-style trade terminal */
+.trade-layout {
+  display: grid;
+  grid-template-columns: 240px 1fr;
+  grid-template-rows: 1fr;
+  min-height: calc(100vh - 56px);
+  background: #0b0e11;
+}
+
+@media (max-width: 1023px) {
+  .trade-layout {
+    grid-template-columns: 1fr;
+    grid-template-rows: auto 1fr auto;
+  }
+}
+
+@media (min-width: 1024px) {
+  .trade-layout {
+    grid-template-columns: 240px 1fr 320px;
+  }
+}
+
+.trade-center {
+  min-height: 0;
+}
+
+.trade-market-row:hover {
+  background: #2b3139;
+}
+
+.trade-market-row--active {
+  background: #2b3139;
+  border-left: 2px solid #f0b90b;
+}
+
+.trade-orderbook {
+  max-height: 360px;
+  overflow-y: auto;
+}
+
+.omnl-app-header {
+  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.35);
+}
--- a/packages/settlement-core/dist/chain-registry.d.ts
+++ b/packages/settlement-core/dist/chain-registry.d.ts
@@ -0,0 +1,39 @@
+export type OmnlChainEntry = {
+    chainId: number;
+    name: string;
+    type: 'evm' | 'non-evm';
+    nativeSymbol: string;
+    tier: string;
+    omnlRole: string;
+    status: 'active' | 'staged' | 'reserved';
+    rpcEnv: string;
+    explorerUrl?: string;
+    rpcDefault?: string;
+    settlement: {
+        m2LoadEnabled: boolean;
+        swapEnabled: boolean;
+        bridgeEnabled: boolean;
+        officeId: number;
+    };
+    complianceEnv?: string;
+};
+export type OmnlChainRegistry = {
+    version: string;
+    brand: string;
+    maxCapacity: number;
+    primaryChainId: number;
+    mirrorChainId: number;
+    settlementOfficeId: number;
+    chains: OmnlChainEntry[];
+    stats?: {
+        total: number;
+        active: number;
+        staged: number;
+        reserved: number;
+    };
+};
+export declare function resolveChainRegistryPath(): string;
+export declare function loadOmnlChainRegistry(): OmnlChainRegistry;
+export declare function getActiveChains(): OmnlChainEntry[];
+export declare function getChainById(chainId: number): OmnlChainEntry | undefined;
+export declare function getSupportedChainIds128(): number[];
--- a/packages/settlement-core/dist/chain-registry.js
+++ b/packages/settlement-core/dist/chain-registry.js
@@ -0,0 +1,43 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.resolveChainRegistryPath = resolveChainRegistryPath;
+exports.loadOmnlChainRegistry = loadOmnlChainRegistry;
+exports.getActiveChains = getActiveChains;
+exports.getChainById = getChainById;
+exports.getSupportedChainIds128 = getSupportedChainIds128;
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+let cached = null;
+function resolveChainRegistryPath() {
+    if (process.env.OMNL_SUPPORTED_CHAINS_CONFIG)
+        return process.env.OMNL_SUPPORTED_CHAINS_CONFIG;
+    const candidates = [
+        path_1.default.resolve(process.cwd(), 'config/omnl-supported-chains.v1.json'),
+        path_1.default.resolve(__dirname, '../../../config/omnl-supported-chains.v1.json'),
+        path_1.default.resolve(__dirname, '../../../../config/omnl-supported-chains.v1.json'),
+    ];
+    for (const p of candidates) {
+        if (fs_1.default.existsSync(p))
+            return p;
+    }
+    return candidates[1];
+}
+function loadOmnlChainRegistry() {
+    if (cached)
+        return cached;
+    const p = resolveChainRegistryPath();
+    cached = JSON.parse(fs_1.default.readFileSync(p, 'utf8'));
+    return cached;
+}
+function getActiveChains() {
+    return loadOmnlChainRegistry().chains.filter((c) => c.status === 'active');
+}
+function getChainById(chainId) {
+    return loadOmnlChainRegistry().chains.find((c) => c.chainId === chainId);
+}
+function getSupportedChainIds128() {
+    return loadOmnlChainRegistry().chains.map((c) => c.chainId);
+}
--- a/packages/settlement-core/dist/index.d.ts
+++ b/packages/settlement-core/dist/index.d.ts
@@ -0,0 +1,7 @@
+export * from './types';
+export * from './money-supply';
+export * from './instruments';
+export * from './verbiage';
+export * from './state-machine';
+export * from './m2-token-registry';
+export * from './chain-registry';
--- a/packages/settlement-core/dist/index.js
+++ b/packages/settlement-core/dist/index.js
@@ -0,0 +1,23 @@
+"use strict";
+var __createBinding = (this && this.__createBinding) || (Object.create ? (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    var desc = Object.getOwnPropertyDescriptor(m, k);
+    if (!desc || ("get" in desc ? !m.__esModule : desc.writable || desc.configurable)) {
+      desc = { enumerable: true, get: function() { return m[k]; } };
+    }
+    Object.defineProperty(o, k2, desc);
+}) : (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    o[k2] = m[k];
+}));
+var __exportStar = (this && this.__exportStar) || function(m, exports) {
+    for (var p in m) if (p !== "default" && !Object.prototype.hasOwnProperty.call(exports, p)) __createBinding(exports, m, p);
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+__exportStar(require("./types"), exports);
+__exportStar(require("./money-supply"), exports);
+__exportStar(require("./instruments"), exports);
+__exportStar(require("./verbiage"), exports);
+__exportStar(require("./state-machine"), exports);
+__exportStar(require("./m2-token-registry"), exports);
+__exportStar(require("./chain-registry"), exports);
--- a/packages/settlement-core/dist/instruments.d.ts
+++ b/packages/settlement-core/dist/instruments.d.ts
@@ -0,0 +1,13 @@
+import type { SwiftMessageKind, TradeFinanceInstrument } from './types';
+/** SWIFT / trade-finance instrument routing */
+export declare const INSTRUMENT_ROUTING: Record<TradeFinanceInstrument, {
+    swift: SwiftMessageKind[];
+    glDebit: string;
+    glCredit: string;
+}>;
+export declare function resolveInstrumentGl(instrument: TradeFinanceInstrument): {
+    debitGl: string;
+    creditGl: string;
+    swiftKinds: SwiftMessageKind[];
+};
+export declare function isIbanValid(iban: string): boolean;
--- a/packages/settlement-core/dist/instruments.js
+++ b/packages/settlement-core/dist/instruments.js
@@ -0,0 +1,28 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.INSTRUMENT_ROUTING = void 0;
+exports.resolveInstrumentGl = resolveInstrumentGl;
+exports.isIbanValid = isIbanValid;
+/** SWIFT / trade-finance instrument routing */
+exports.INSTRUMENT_ROUTING = {
+    SBLC: { swift: ['MT103', 'MT202'], glDebit: '1410', glCredit: '2100' },
+    DLC: { swift: ['MT103', 'MT102'], glDebit: '1410', glCredit: '1000' },
+    BG: { swift: ['MT103'], glDebit: '1410', glCredit: '2100' },
+    LS: { swift: ['MT102', 'MT103'], glDebit: '1000', glCredit: '2200' },
+};
+function resolveInstrumentGl(instrument) {
+    const r = exports.INSTRUMENT_ROUTING[instrument];
+    return { debitGl: r.glDebit, creditGl: r.glCredit, swiftKinds: r.swift };
+}
+function isIbanValid(iban) {
+    const normalized = iban.replace(/\s/g, '').toUpperCase();
+    if (!/^[A-Z]{2}\d{2}[A-Z0-9]{11,30}$/.test(normalized))
+        return false;
+    const rearranged = normalized.slice(4) + normalized.slice(0, 4);
+    const numeric = rearranged.replace(/[A-Z]/g, (c) => String(c.charCodeAt(0) - 55));
+    let remainder = 0;
+    for (const ch of numeric) {
+        remainder = (remainder * 10 + parseInt(ch, 10)) % 97;
+    }
+    return remainder === 1;
+}
--- a/packages/settlement-core/dist/m2-token-registry.d.ts
+++ b/packages/settlement-core/dist/m2-token-registry.d.ts
@@ -0,0 +1,44 @@
+import type { MoneyLayer } from './types';
+export type M2TokenCapabilities = {
+    symbol: string;
+    name: string;
+    address: string;
+    decimals: number;
+    native?: boolean;
+    currencyCode?: string;
+    moneyLayer: MoneyLayer;
+    omnlLine: string;
+    loadFromGl: string;
+    swappable: boolean;
+    convertible: boolean;
+    transferableInternal: boolean;
+    transferableExternal: boolean;
+};
+export type M2TokenRegistryFile = {
+    version: string;
+    chainId: number;
+    defaultMoneyLayer: MoneyLayer;
+    defaultLoadFromGl: string;
+    tokens: M2TokenCapabilities[];
+};
+export declare function inferCurrencyCode(symbol: string): string;
+export declare function resolveOmnlLineM2(currencyCode?: string, symbol?: string): string;
+export declare function withM2Capabilities(token: {
+    symbol: string;
+    name: string;
+    address: string;
+    decimals: number;
+    native?: boolean;
+    currencyCode?: string;
+    omnlLine?: string;
+}, overrides?: Partial<M2TokenCapabilities>): M2TokenCapabilities;
+export declare function mergeExchangeTokensWithM2Registry(baseTokens: {
+    symbol: string;
+    name: string;
+    address: string;
+    decimals: number;
+    native?: boolean;
+    omnlLine?: string;
+}[], registry: M2TokenRegistryFile): M2TokenCapabilities[];
+export declare function findM2TokenByAddress(registry: M2TokenRegistryFile, address: string): M2TokenCapabilities | undefined;
+export declare function findM2TokenBySymbol(registry: M2TokenRegistryFile, symbol: string): M2TokenCapabilities | undefined;
--- a/packages/settlement-core/dist/m2-token-registry.js
+++ b/packages/settlement-core/dist/m2-token-registry.js
@@ -0,0 +1,86 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.inferCurrencyCode = inferCurrencyCode;
+exports.resolveOmnlLineM2 = resolveOmnlLineM2;
+exports.withM2Capabilities = withM2Capabilities;
+exports.mergeExchangeTokensWithM2Registry = mergeExchangeTokensWithM2Registry;
+exports.findM2TokenByAddress = findM2TokenByAddress;
+exports.findM2TokenBySymbol = findM2TokenBySymbol;
+const money_supply_1 = require("./money-supply");
+const CURRENCY_FROM_SYMBOL = {
+    USD: 'USD',
+    EUR: 'EUR',
+    GBP: 'GBP',
+    AUD: 'AUD',
+    JPY: 'JPY',
+    CHF: 'CHF',
+    CAD: 'CAD',
+    XAU: 'XAU',
+    BTC: 'BTC',
+    ETH: 'ETH',
+    BNB: 'BNB',
+    POL: 'POL',
+    AVAX: 'AVAX',
+    CRO: 'CRO',
+    XDAI: 'XDAI',
+    CELO: 'CELO',
+    WEMIX: 'WEMIX',
+};
+function inferCurrencyCode(symbol) {
+    const s = symbol.toUpperCase();
+    for (const [key, code] of Object.entries(CURRENCY_FROM_SYMBOL)) {
+        if (s.includes(key))
+            return code;
+    }
+    if (s.startsWith('C') && s.length > 1) {
+        for (const [key, code] of Object.entries(CURRENCY_FROM_SYMBOL)) {
+            if (s.slice(1).includes(key))
+                return code;
+        }
+    }
+    return 'USD';
+}
+function resolveOmnlLineM2(currencyCode, symbol) {
+    const ccy = (currencyCode || inferCurrencyCode(symbol ?? 'USD')).toUpperCase();
+    return `${ccy}-M2`;
+}
+function withM2Capabilities(token, overrides = {}) {
+    const currencyCode = token.currencyCode ?? inferCurrencyCode(token.symbol);
+    return {
+        symbol: token.symbol,
+        name: token.name,
+        address: token.address,
+        decimals: token.decimals,
+        native: token.native,
+        currencyCode,
+        moneyLayer: 'M2',
+        omnlLine: token.omnlLine ?? resolveOmnlLineM2(currencyCode, token.symbol),
+        loadFromGl: money_supply_1.GL_CODES.M2_BROAD,
+        swappable: true,
+        convertible: true,
+        transferableInternal: true,
+        transferableExternal: true,
+        ...overrides,
+    };
+}
+function mergeExchangeTokensWithM2Registry(baseTokens, registry) {
+    const byAddress = new Map();
+    for (const t of registry.tokens) {
+        byAddress.set(t.address.toLowerCase(), t);
+    }
+    for (const t of baseTokens) {
+        const key = t.address.toLowerCase();
+        if (!byAddress.has(key)) {
+            byAddress.set(key, withM2Capabilities(t));
+        }
+    }
+    return Array.from(byAddress.values()).sort((a, b) => a.symbol.localeCompare(b.symbol));
+}
+function findM2TokenByAddress(registry, address) {
+    const lower = address.toLowerCase();
+    return registry.tokens.find((t) => t.address.toLowerCase() === lower);
+}
+function findM2TokenBySymbol(registry, symbol) {
+    const s = symbol.trim().toLowerCase();
+    return registry.tokens.find((t) => t.symbol.toLowerCase() === s);
+}
--- a/packages/settlement-core/dist/money-supply.d.ts
+++ b/packages/settlement-core/dist/money-supply.d.ts
@@ -0,0 +1,26 @@
+import type { MoneyLayer, MoneySupplySnapshot } from './types';
+/** IPSAS GL mapping for OMNL central-bank money aggregates */
+export declare const GL_CODES: {
+    readonly M0_RESERVE: "1050";
+    readonly M1_LIABILITY: "2000";
+    readonly M1_CIRCULATING: "2100";
+    readonly M2_BROAD: "2200";
+    readonly SETTLEMENT_SUSPENSE: "1000";
+    readonly TRADE_FINANCE_CONTINGENT: "1410";
+    readonly CRYPTO_TOKEN_LIABILITY: "2300";
+};
+/** Policy caps from hybx-omnl-policy (1.2× M0 reserve → M1 capacity; 5× M1 → M2 broad) */
+export declare const POLICY: {
+    readonly M0_BACKING_MULTIPLIER: 1.2;
+    readonly M1_CAP_MULTIPLIER: 5;
+    readonly M2_META_FIAT_RAIL_CONVERSION: true;
+};
+export declare function aggregateMetaFiatLayers(layers: Partial<Record<MoneyLayer, string>>): {
+    metaFiatTotal: string;
+    breakdown: Record<MoneyLayer, string>;
+};
+export declare function buildMoneySupplySnapshot(officeId: number, balances: Partial<Record<string, string>>): MoneySupplySnapshot;
+export declare function m2FiatToTokenLoadAmount(fiatAmount: string, m2Available: string): {
+    loadAmount: string;
+    fullyBacked: boolean;
+};
--- a/packages/settlement-core/dist/money-supply.js
+++ b/packages/settlement-core/dist/money-supply.js
@@ -0,0 +1,74 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.POLICY = exports.GL_CODES = void 0;
+exports.aggregateMetaFiatLayers = aggregateMetaFiatLayers;
+exports.buildMoneySupplySnapshot = buildMoneySupplySnapshot;
+exports.m2FiatToTokenLoadAmount = m2FiatToTokenLoadAmount;
+/** IPSAS GL mapping for OMNL central-bank money aggregates */
+exports.GL_CODES = {
+    M0_RESERVE: '1050',
+    M1_LIABILITY: '2000',
+    M1_CIRCULATING: '2100',
+    M2_BROAD: '2200',
+    SETTLEMENT_SUSPENSE: '1000',
+    TRADE_FINANCE_CONTINGENT: '1410',
+    CRYPTO_TOKEN_LIABILITY: '2300',
+};
+/** Policy caps from hybx-omnl-policy (1.2× M0 reserve → M1 capacity; 5× M1 → M2 broad) */
+exports.POLICY = {
+    M0_BACKING_MULTIPLIER: 1.2,
+    M1_CAP_MULTIPLIER: 5,
+    M2_META_FIAT_RAIL_CONVERSION: true,
+};
+function aggregateMetaFiatLayers(layers) {
+    const breakdown = {
+        M0: layers.M0 ?? '0',
+        M1: layers.M1 ?? '0',
+        M2: layers.M2 ?? '0',
+        M00: layers.M00 ?? '0',
+    };
+    const sum = [breakdown.M0, breakdown.M1, breakdown.M2]
+        .map((v) => parseFloat(v) || 0)
+        .reduce((a, b) => a + b, 0);
+    return { metaFiatTotal: sum.toFixed(2), breakdown };
+}
+function buildMoneySupplySnapshot(officeId, balances) {
+    const m0 = balances[exports.GL_CODES.M0_RESERVE] ?? '0';
+    const m1 = balances[exports.GL_CODES.M1_CIRCULATING] ?? '0';
+    const m2 = balances[exports.GL_CODES.M2_BROAD] ?? '0';
+    const pending = balances[exports.GL_CODES.SETTLEMENT_SUSPENSE] ?? '0';
+    const m0Num = parseFloat(m0) || 0;
+    const m1Num = parseFloat(m1) || 0;
+    return {
+        asOf: new Date().toISOString(),
+        officeId,
+        M0: {
+            gl1050: m0,
+            backingRatio: exports.POLICY.M0_BACKING_MULTIPLIER,
+        },
+        M1: {
+            circulating: m1,
+            gl2000: balances[exports.GL_CODES.M1_LIABILITY] ?? m1,
+            gl2100: m1,
+            capMultiple: exports.POLICY.M1_CAP_MULTIPLIER,
+        },
+        M2: {
+            broadMoney: m2,
+            gl2200: m2,
+            metaFiatPending: pending,
+        },
+        metaFiatRealRail: {
+            pendingSettlement: pending,
+            inFlightSwift: balances['inFlightSwift'] ?? '0',
+        },
+    };
+}
+function m2FiatToTokenLoadAmount(fiatAmount, m2Available) {
+    const fiat = parseFloat(fiatAmount) || 0;
+    const m2 = parseFloat(m2Available) || 0;
+    const load = Math.min(fiat, m2);
+    return {
+        loadAmount: load.toFixed(2),
+        fullyBacked: load >= fiat && fiat > 0,
+    };
+}
--- a/packages/settlement-core/dist/state-machine.d.ts
+++ b/packages/settlement-core/dist/state-machine.d.ts
@@ -0,0 +1,3 @@
+import type { SettlementPhase } from './types';
+export declare function nextPhase(current: SettlementPhase): SettlementPhase | null;
+export declare function canAdvance(from: SettlementPhase, to: SettlementPhase): boolean;
--- a/packages/settlement-core/dist/state-machine.js
+++ b/packages/settlement-core/dist/state-machine.js
@@ -0,0 +1,29 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.nextPhase = nextPhase;
+exports.canAdvance = canAdvance;
+const ORDER = [
+    'RECEIVED',
+    'VALIDATED',
+    'VERBIAGE_ROLLED',
+    'FINERACT_POSTED',
+    'HYBX_RAIL_DISPATCHED',
+    'ISO20022_ARCHIVED',
+    'CHAIN_MINT_REQUESTED',
+    'SETTLED',
+];
+function nextPhase(current) {
+    if (current === 'FAILED' || current === 'SETTLED')
+        return null;
+    const idx = ORDER.indexOf(current);
+    if (idx < 0 || idx >= ORDER.length - 1)
+        return null;
+    return ORDER[idx + 1];
+}
+function canAdvance(from, to) {
+    const fi = ORDER.indexOf(from);
+    const ti = ORDER.indexOf(to);
+    if (fi < 0 || ti < 0)
+        return to === 'FAILED';
+    return ti === fi + 1 || to === 'FAILED';
+}
--- a/packages/settlement-core/dist/types.d.ts
+++ b/packages/settlement-core/dist/types.d.ts
@@ -0,0 +1,102 @@
+/** OMNL central-bank settlement domain types */
+export type MoneyLayer = 'M0' | 'M1' | 'M2' | 'M00';
+export type PaymentRail = 'SWIFT' | 'SEPA' | 'TARGET2' | 'RTGS' | 'ACH' | 'FEDWIRE' | 'INTERNAL' | 'CHAIN138';
+export type TradeFinanceInstrument = 'SBLC' | 'DLC' | 'BG' | 'LS';
+export type SwiftMessageKind = 'MT103' | 'MT102' | 'MT202' | 'MT910';
+export type SettlementPhase = 'RECEIVED' | 'VALIDATED' | 'VERBIAGE_ROLLED' | 'FINERACT_POSTED' | 'HYBX_RAIL_DISPATCHED' | 'ISO20022_ARCHIVED' | 'CHAIN_MINT_REQUESTED' | 'SETTLED' | 'FAILED';
+export type ExternalTransferRequest = {
+    idempotencyKey: string;
+    officeId: number;
+    valueDate: string;
+    currency: string;
+    amount: string;
+    debtorIban?: string;
+    creditorIban: string;
+    creditorBic?: string;
+    beneficiaryName: string;
+    orderingName?: string;
+    remittanceInfo: string;
+    moneyLayers: MoneyLayer[];
+    rail: PaymentRail;
+    swiftMessageKind?: SwiftMessageKind;
+    tradeFinance?: {
+        instrument: TradeFinanceInstrument;
+        reference: string;
+        expiryDate?: string;
+    };
+    rwaVerbiage?: {
+        assetClass: string;
+        tokenLineId: string;
+        externalTransferRoll: boolean;
+    };
+    convertToCrypto?: {
+        enabled: boolean;
+        targetChainId: number;
+        tokenLineId: string;
+        recipientAddress: string;
+    };
+};
+export type TokenLoadRequest = {
+    idempotencyKey: string;
+    officeId?: number;
+    lineId: string;
+    symbol?: string;
+    tokenAddress?: string;
+    amount: string;
+    recipientAddress: string;
+    currency?: string;
+};
+export type TransferRequest = {
+    idempotencyKey: string;
+    officeId?: number;
+    tokenAddress: string;
+    tokenSymbol: string;
+    amount: string;
+    recipientAddress: string;
+    senderAddress?: string;
+    moneyLayers: MoneyLayer[];
+    rail: 'INTERNAL' | 'CHAIN138' | 'SWIFT' | 'RTGS';
+    /** External SWIFT/HYBX beneficiary IBAN when rail is external */
+    creditorIban?: string;
+    beneficiaryName?: string;
+    remittanceInfo?: string;
+    currency?: string;
+};
+export type SettlementRecord = {
+    settlementId: string;
+    idempotencyKey: string;
+    phase: SettlementPhase;
+    request: ExternalTransferRequest;
+    fineractJournalRef?: string;
+    hybxPaymentId?: string;
+    iso20022MessageId?: string;
+    chainTxHash?: string;
+    verbiageDocument?: string;
+    errors: string[];
+    createdAt: string;
+    updatedAt: string;
+};
+export type MoneySupplySnapshot = {
+    asOf: string;
+    officeId: number;
+    M0: {
+        reserveOz?: string;
+        gl1050: string;
+        backingRatio: number;
+    };
+    M1: {
+        circulating: string;
+        gl2000: string;
+        gl2100: string;
+        capMultiple: number;
+    };
+    M2: {
+        broadMoney: string;
+        gl2200: string;
+        metaFiatPending: string;
+    };
+    metaFiatRealRail: {
+        pendingSettlement: string;
+        inFlightSwift: string;
+    };
+};
--- a/packages/settlement-core/dist/types.js
+++ b/packages/settlement-core/dist/types.js
@@ -0,0 +1,3 @@
+"use strict";
+/** OMNL central-bank settlement domain types */
+Object.defineProperty(exports, "__esModule", { value: true });
--- a/packages/settlement-core/dist/verbiage.d.ts
+++ b/packages/settlement-core/dist/verbiage.d.ts
@@ -0,0 +1,6 @@
+import type { ExternalTransferRequest, SwiftMessageKind } from './types';
+/** OMNL central-bank external transfer verbiage roll (audit + operator copy) */
+export declare function rollExternalTransferVerbiage(req: ExternalTransferRequest): string;
+export declare function buildMt103Narrative(req: ExternalTransferRequest): string;
+export declare function buildMt102Narrative(req: ExternalTransferRequest): string;
+export declare function swiftKindForRequest(req: ExternalTransferRequest): SwiftMessageKind;
--- a/packages/settlement-core/dist/verbiage.js
+++ b/packages/settlement-core/dist/verbiage.js
@@ -0,0 +1,54 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.rollExternalTransferVerbiage = rollExternalTransferVerbiage;
+exports.buildMt103Narrative = buildMt103Narrative;
+exports.buildMt102Narrative = buildMt102Narrative;
+exports.swiftKindForRequest = swiftKindForRequest;
+/** OMNL central-bank external transfer verbiage roll (audit + operator copy) */
+function rollExternalTransferVerbiage(req) {
+    const lines = [
+        '=== OMNL CENTRAL BANK — EXTERNAL TRANSFER VERBIAGE ROLL ===',
+        `Settlement ref: ${req.idempotencyKey}`,
+        `Value date: ${req.valueDate}`,
+        `Amount: ${req.amount} ${req.currency}`,
+        `Rail: ${req.rail}`,
+        `Money layers: ${req.moneyLayers.join(' + ')}`,
+        `Beneficiary: ${req.beneficiaryName}`,
+        `Creditor IBAN: ${req.creditorIban}`,
+    ];
+    if (req.creditorBic)
+        lines.push(`Creditor BIC: ${req.creditorBic}`);
+    if (req.debtorIban)
+        lines.push(`Debtor IBAN: ${req.debtorIban}`);
+    if (req.orderingName)
+        lines.push(`Ordering party: ${req.orderingName}`);
+    lines.push(`Remittance: ${req.remittanceInfo}`);
+    if (req.swiftMessageKind)
+        lines.push(`SWIFT message: ${req.swiftMessageKind}`);
+    if (req.tradeFinance) {
+        lines.push(`Trade finance: ${req.tradeFinance.instrument} ref ${req.tradeFinance.reference}`);
+    }
+    if (req.rwaVerbiage?.externalTransferRoll) {
+        lines.push(`RWA roll: ${req.rwaVerbiage.assetClass} → line ${req.rwaVerbiage.tokenLineId}`);
+    }
+    if (req.convertToCrypto?.enabled) {
+        lines.push(`Post-settlement crypto conversion: chain ${req.convertToCrypto.targetChainId} → ${req.convertToCrypto.recipientAddress}`);
+    }
+    lines.push('', 'DISCLAIMER: Internal OMNL operator verbiage — not SWIFT NET transmission.', 'Fineract SoR + ISO 20022 archive bind settlement finality.');
+    return lines.join('\n');
+}
+function buildMt103Narrative(req) {
+    return `/BNF/${req.beneficiaryName}//${req.remittanceInfo}`.slice(0, 140);
+}
+function buildMt102Narrative(req) {
+    const tf = req.tradeFinance ? `/${req.tradeFinance.instrument}/${req.tradeFinance.reference}` : '';
+    return `/BNF/${req.beneficiaryName}${tf}//${req.remittanceInfo}`.slice(0, 140);
+}
+function swiftKindForRequest(req) {
+    if (req.swiftMessageKind)
+        return req.swiftMessageKind;
+    if (req.tradeFinance?.instrument === 'LS' || req.tradeFinance?.instrument === 'DLC') {
+        return 'MT102';
+    }
+    return 'MT103';
+}
--- a/packages/settlement-core/package-lock.json
+++ b/packages/settlement-core/package-lock.json
@@ -0,0 +1,47 @@
+{
+  "name": "@dbis/settlement-core",
+  "version": "0.1.0",
+  "lockfileVersion": 3,
+  "requires": true,
+  "packages": {
+    "": {
+      "name": "@dbis/settlement-core",
+      "version": "0.1.0",
+      "devDependencies": {
+        "@types/node": "^20.11.0",
+        "typescript": "^5.4.0"
+      }
+    },
+    "node_modules/@types/node": {
+      "version": "20.19.43",
+      "resolved": "https://registry.npmjs.org/@types/node/-/node-20.19.43.tgz",
+      "integrity": "sha512-6oYBAi5ikg4Pl+kGsoYtawUMBT2zZMCvPNF7pVLnHZfd1zf38DRiWn/gT01RYCdUqkv7Fhr+C9ot4/tb+2sVvA==",
+      "dev": true,
+      "license": "MIT",
+      "dependencies": {
+        "undici-types": "~6.21.0"
+      }
+    },
+    "node_modules/typescript": {
+      "version": "5.9.3",
+      "resolved": "https://registry.npmjs.org/typescript/-/typescript-5.9.3.tgz",
+      "integrity": "sha512-jl1vZzPDinLr9eUt3J/t7V6FgNEw9QjvBPdysz9KfQDD41fQrC2Y4vKQdiaUpFT4bXlb1RHhLpp8wtm6M5TgSw==",
+      "dev": true,
+      "license": "Apache-2.0",
+      "bin": {
+        "tsc": "bin/tsc",
+        "tsserver": "bin/tsserver"
+      },
+      "engines": {
+        "node": ">=14.17"
+      }
+    },
+    "node_modules/undici-types": {
+      "version": "6.21.0",
+      "resolved": "https://registry.npmjs.org/undici-types/-/undici-types-6.21.0.tgz",
+      "integrity": "sha512-iwDZqg0QAGrg9Rav5H4n0M64c3mkR59cJ6wQp+7C4nI0gsmExaedaYLNO44eT4AtBBwjbTiGPMlt2Md0T9H9JQ==",
+      "dev": true,
+      "license": "MIT"
+    }
+  }
+}
--- a/packages/settlement-core/package.json
+++ b/packages/settlement-core/package.json
@@ -0,0 +1,17 @@
+{
+  "name": "@dbis/settlement-core",
+  "version": "0.1.0",
+  "private": true,
+  "description": "OMNL central-bank settlement: M0/M1/M2 money supply, SWIFT rails, trade-finance instruments, verbiage",
+  "main": "dist/index.js",
+  "types": "dist/index.d.ts",
+  "files": ["dist"],
+  "scripts": {
+    "build": "tsc",
+    "test": "node --test dist/**/*.test.js"
+  },
+  "devDependencies": {
+    "@types/node": "^20.11.0",
+    "typescript": "^5.4.0"
+  }
+}
--- a/packages/settlement-core/src/chain-registry.ts
+++ b/packages/settlement-core/src/chain-registry.ts
@@ -0,0 +1,67 @@
+import fs from 'fs';
+import path from 'path';
+
+export type OmnlChainEntry = {
+  chainId: number;
+  name: string;
+  type: 'evm' | 'non-evm';
+  nativeSymbol: string;
+  tier: string;
+  omnlRole: string;
+  status: 'active' | 'staged' | 'reserved';
+  rpcEnv: string;
+  explorerUrl?: string;
+  rpcDefault?: string;
+  settlement: {
+    m2LoadEnabled: boolean;
+    swapEnabled: boolean;
+    bridgeEnabled: boolean;
+    officeId: number;
+  };
+  complianceEnv?: string;
+};
+
+export type OmnlChainRegistry = {
+  version: string;
+  brand: string;
+  maxCapacity: number;
+  primaryChainId: number;
+  mirrorChainId: number;
+  settlementOfficeId: number;
+  chains: OmnlChainEntry[];
+  stats?: { total: number; active: number; staged: number; reserved: number };
+};
+
+let cached: OmnlChainRegistry | null = null;
+
+export function resolveChainRegistryPath(): string {
+  if (process.env.OMNL_SUPPORTED_CHAINS_CONFIG) return process.env.OMNL_SUPPORTED_CHAINS_CONFIG;
+  const candidates = [
+    path.resolve(process.cwd(), 'config/omnl-supported-chains.v1.json'),
+    path.resolve(__dirname, '../../../config/omnl-supported-chains.v1.json'),
+    path.resolve(__dirname, '../../../../config/omnl-supported-chains.v1.json'),
+  ];
+  for (const p of candidates) {
+    if (fs.existsSync(p)) return p;
+  }
+  return candidates[1];
+}
+
+export function loadOmnlChainRegistry(): OmnlChainRegistry {
+  if (cached) return cached;
+  const p = resolveChainRegistryPath();
+  cached = JSON.parse(fs.readFileSync(p, 'utf8')) as OmnlChainRegistry;
+  return cached;
+}
+
+export function getActiveChains(): OmnlChainEntry[] {
+  return loadOmnlChainRegistry().chains.filter((c) => c.status === 'active');
+}
+
+export function getChainById(chainId: number): OmnlChainEntry | undefined {
+  return loadOmnlChainRegistry().chains.find((c) => c.chainId === chainId);
+}
+
+export function getSupportedChainIds128(): number[] {
+  return loadOmnlChainRegistry().chains.map((c) => c.chainId);
+}
--- a/packages/settlement-core/src/index.ts
+++ b/packages/settlement-core/src/index.ts
@@ -0,0 +1,7 @@
+export * from './types';
+export * from './money-supply';
+export * from './instruments';
+export * from './verbiage';
+export * from './state-machine';
+export * from './m2-token-registry';
+export * from './chain-registry';
--- a/packages/settlement-core/src/instruments.ts
+++ b/packages/settlement-core/src/instruments.ts
@@ -0,0 +1,31 @@
+import type { SwiftMessageKind, TradeFinanceInstrument } from './types';
+
+/** SWIFT / trade-finance instrument routing */
+export const INSTRUMENT_ROUTING: Record<
+  TradeFinanceInstrument,
+  { swift: SwiftMessageKind[]; glDebit: string; glCredit: string }
+> = {
+  SBLC: { swift: ['MT103', 'MT202'], glDebit: '1410', glCredit: '2100' },
+  DLC: { swift: ['MT103', 'MT102'], glDebit: '1410', glCredit: '1000' },
+  BG: { swift: ['MT103'], glDebit: '1410', glCredit: '2100' },
+  LS: { swift: ['MT102', 'MT103'], glDebit: '1000', glCredit: '2200' },
+};
+
+export function resolveInstrumentGl(
+  instrument: TradeFinanceInstrument,
+): { debitGl: string; creditGl: string; swiftKinds: SwiftMessageKind[] } {
+  const r = INSTRUMENT_ROUTING[instrument];
+  return { debitGl: r.glDebit, creditGl: r.glCredit, swiftKinds: r.swift };
+}
+
+export function isIbanValid(iban: string): boolean {
+  const normalized = iban.replace(/\s/g, '').toUpperCase();
+  if (!/^[A-Z]{2}\d{2}[A-Z0-9]{11,30}$/.test(normalized)) return false;
+  const rearranged = normalized.slice(4) + normalized.slice(0, 4);
+  const numeric = rearranged.replace(/[A-Z]/g, (c) => String(c.charCodeAt(0) - 55));
+  let remainder = 0;
+  for (const ch of numeric) {
+    remainder = (remainder * 10 + parseInt(ch, 10)) % 97;
+  }
+  return remainder === 1;
+}
--- a/packages/settlement-core/src/m2-token-registry.ts
+++ b/packages/settlement-core/src/m2-token-registry.ts
@@ -0,0 +1,135 @@
+import type { MoneyLayer } from './types';
+import { GL_CODES } from './money-supply';
+
+export type M2TokenCapabilities = {
+  symbol: string;
+  name: string;
+  address: string;
+  decimals: number;
+  native?: boolean;
+  currencyCode?: string;
+  moneyLayer: MoneyLayer;
+  omnlLine: string;
+  loadFromGl: string;
+  swappable: boolean;
+  convertible: boolean;
+  transferableInternal: boolean;
+  transferableExternal: boolean;
+};
+
+export type M2TokenRegistryFile = {
+  version: string;
+  chainId: number;
+  defaultMoneyLayer: MoneyLayer;
+  defaultLoadFromGl: string;
+  tokens: M2TokenCapabilities[];
+};
+
+const CURRENCY_FROM_SYMBOL: Record<string, string> = {
+  USD: 'USD',
+  EUR: 'EUR',
+  GBP: 'GBP',
+  AUD: 'AUD',
+  JPY: 'JPY',
+  CHF: 'CHF',
+  CAD: 'CAD',
+  XAU: 'XAU',
+  BTC: 'BTC',
+  ETH: 'ETH',
+  BNB: 'BNB',
+  POL: 'POL',
+  AVAX: 'AVAX',
+  CRO: 'CRO',
+  XDAI: 'XDAI',
+  CELO: 'CELO',
+  WEMIX: 'WEMIX',
+};
+
+export function inferCurrencyCode(symbol: string): string {
+  const s = symbol.toUpperCase();
+  for (const [key, code] of Object.entries(CURRENCY_FROM_SYMBOL)) {
+    if (s.includes(key)) return code;
+  }
+  if (s.startsWith('C') && s.length > 1) {
+    for (const [key, code] of Object.entries(CURRENCY_FROM_SYMBOL)) {
+      if (s.slice(1).includes(key)) return code;
+    }
+  }
+  return 'USD';
+}
+
+export function resolveOmnlLineM2(currencyCode?: string, symbol?: string): string {
+  const ccy = (currencyCode || inferCurrencyCode(symbol ?? 'USD')).toUpperCase();
+  return `${ccy}-M2`;
+}
+
+export function withM2Capabilities(
+  token: {
+    symbol: string;
+    name: string;
+    address: string;
+    decimals: number;
+    native?: boolean;
+    currencyCode?: string;
+    omnlLine?: string;
+  },
+  overrides: Partial<M2TokenCapabilities> = {},
+): M2TokenCapabilities {
+  const currencyCode = token.currencyCode ?? inferCurrencyCode(token.symbol);
+  return {
+    symbol: token.symbol,
+    name: token.name,
+    address: token.address,
+    decimals: token.decimals,
+    native: token.native,
+    currencyCode,
+    moneyLayer: 'M2',
+    omnlLine: token.omnlLine ?? resolveOmnlLineM2(currencyCode, token.symbol),
+    loadFromGl: GL_CODES.M2_BROAD,
+    swappable: true,
+    convertible: true,
+    transferableInternal: true,
+    transferableExternal: true,
+    ...overrides,
+  };
+}
+
+export function mergeExchangeTokensWithM2Registry(
+  baseTokens: {
+    symbol: string;
+    name: string;
+    address: string;
+    decimals: number;
+    native?: boolean;
+    omnlLine?: string;
+  }[],
+  registry: M2TokenRegistryFile,
+): M2TokenCapabilities[] {
+  const byAddress = new Map<string, M2TokenCapabilities>();
+  for (const t of registry.tokens) {
+    byAddress.set(t.address.toLowerCase(), t);
+  }
+  for (const t of baseTokens) {
+    const key = t.address.toLowerCase();
+    if (!byAddress.has(key)) {
+      byAddress.set(key, withM2Capabilities(t));
+    }
+  }
+  return Array.from(byAddress.values()).sort((a, b) => a.symbol.localeCompare(b.symbol));
+}
+
+export function findM2TokenByAddress(
+  registry: M2TokenRegistryFile,
+  address: string,
+): M2TokenCapabilities | undefined {
+  const lower = address.toLowerCase();
+  return registry.tokens.find((t) => t.address.toLowerCase() === lower);
+}
+
+export function findM2TokenBySymbol(
+  registry: M2TokenRegistryFile,
+  symbol: string,
+): M2TokenCapabilities | undefined {
+  const s = symbol.trim().toLowerCase();
+  return registry.tokens.find((t) => t.symbol.toLowerCase() === s);
+}
--- a/packages/settlement-core/src/money-supply.ts
+++ b/packages/settlement-core/src/money-supply.ts
@@ -0,0 +1,82 @@
+import type { MoneyLayer, MoneySupplySnapshot } from './types';
+
+/** IPSAS GL mapping for OMNL central-bank money aggregates */
+export const GL_CODES = {
+  M0_RESERVE: '1050',
+  M1_LIABILITY: '2000',
+  M1_CIRCULATING: '2100',
+  M2_BROAD: '2200',
+  SETTLEMENT_SUSPENSE: '1000',
+  TRADE_FINANCE_CONTINGENT: '1410',
+  CRYPTO_TOKEN_LIABILITY: '2300',
+} as const;
+
+/** Policy caps from hybx-omnl-policy (1.2× M0 reserve → M1 capacity; 5× M1 → M2 broad) */
+export const POLICY = {
+  M0_BACKING_MULTIPLIER: 1.2,
+  M1_CAP_MULTIPLIER: 5,
+  M2_META_FIAT_RAIL_CONVERSION: true,
+} as const;
+
+export function aggregateMetaFiatLayers(
+  layers: Partial<Record<MoneyLayer, string>>,
+): { metaFiatTotal: string; breakdown: Record<MoneyLayer, string> } {
+  const breakdown: Record<MoneyLayer, string> = {
+    M0: layers.M0 ?? '0',
+    M1: layers.M1 ?? '0',
+    M2: layers.M2 ?? '0',
+    M00: layers.M00 ?? '0',
+  };
+  const sum = [breakdown.M0, breakdown.M1, breakdown.M2]
+    .map((v) => parseFloat(v) || 0)
+    .reduce((a, b) => a + b, 0);
+  return { metaFiatTotal: sum.toFixed(2), breakdown };
+}
+
+export function buildMoneySupplySnapshot(
+  officeId: number,
+  balances: Partial<Record<string, string>>,
+): MoneySupplySnapshot {
+  const m0 = balances[GL_CODES.M0_RESERVE] ?? '0';
+  const m1 = balances[GL_CODES.M1_CIRCULATING] ?? '0';
+  const m2 = balances[GL_CODES.M2_BROAD] ?? '0';
+  const pending = balances[GL_CODES.SETTLEMENT_SUSPENSE] ?? '0';
+  const m0Num = parseFloat(m0) || 0;
+  const m1Num = parseFloat(m1) || 0;
+  return {
+    asOf: new Date().toISOString(),
+    officeId,
+    M0: {
+      gl1050: m0,
+      backingRatio: POLICY.M0_BACKING_MULTIPLIER,
+    },
+    M1: {
+      circulating: m1,
+      gl2000: balances[GL_CODES.M1_LIABILITY] ?? m1,
+      gl2100: m1,
+      capMultiple: POLICY.M1_CAP_MULTIPLIER,
+    },
+    M2: {
+      broadMoney: m2,
+      gl2200: m2,
+      metaFiatPending: pending,
+    },
+    metaFiatRealRail: {
+      pendingSettlement: pending,
+      inFlightSwift: balances['inFlightSwift'] ?? '0',
+    },
+  };
+}
+
+export function m2FiatToTokenLoadAmount(fiatAmount: string, m2Available: string): {
+  loadAmount: string;
+  fullyBacked: boolean;
+} {
+  const fiat = parseFloat(fiatAmount) || 0;
+  const m2 = parseFloat(m2Available) || 0;
+  const load = Math.min(fiat, m2);
+  return {
+    loadAmount: load.toFixed(2),
+    fullyBacked: load >= fiat && fiat > 0,
+  };
+}
--- a/packages/settlement-core/src/state-machine.ts
+++ b/packages/settlement-core/src/state-machine.ts
@@ -0,0 +1,26 @@
+import type { SettlementPhase } from './types';
+
+const ORDER: SettlementPhase[] = [
+  'RECEIVED',
+  'VALIDATED',
+  'VERBIAGE_ROLLED',
+  'FINERACT_POSTED',
+  'HYBX_RAIL_DISPATCHED',
+  'ISO20022_ARCHIVED',
+  'CHAIN_MINT_REQUESTED',
+  'SETTLED',
+];
+
+export function nextPhase(current: SettlementPhase): SettlementPhase | null {
+  if (current === 'FAILED' || current === 'SETTLED') return null;
+  const idx = ORDER.indexOf(current);
+  if (idx < 0 || idx >= ORDER.length - 1) return null;
+  return ORDER[idx + 1];
+}
+
+export function canAdvance(from: SettlementPhase, to: SettlementPhase): boolean {
+  const fi = ORDER.indexOf(from);
+  const ti = ORDER.indexOf(to);
+  if (fi < 0 || ti < 0) return to === 'FAILED';
+  return ti === fi + 1 || to === 'FAILED';
+}
--- a/packages/settlement-core/src/types.ts
+++ b/packages/settlement-core/src/types.ts
@@ -0,0 +1,113 @@
+/** OMNL central-bank settlement domain types */
+
+export type MoneyLayer = 'M0' | 'M1' | 'M2' | 'M00';
+
+export type PaymentRail =
+  | 'SWIFT'
+  | 'SEPA'
+  | 'TARGET2'
+  | 'RTGS'
+  | 'ACH'
+  | 'FEDWIRE'
+  | 'INTERNAL'
+  | 'CHAIN138';
+
+export type TradeFinanceInstrument = 'SBLC' | 'DLC' | 'BG' | 'LS';
+
+export type SwiftMessageKind = 'MT103' | 'MT102' | 'MT202' | 'MT910';
+
+export type SettlementPhase =
+  | 'RECEIVED'
+  | 'VALIDATED'
+  | 'VERBIAGE_ROLLED'
+  | 'FINERACT_POSTED'
+  | 'HYBX_RAIL_DISPATCHED'
+  | 'ISO20022_ARCHIVED'
+  | 'CHAIN_MINT_REQUESTED'
+  | 'SETTLED'
+  | 'FAILED';
+
+export type ExternalTransferRequest = {
+  idempotencyKey: string;
+  officeId: number;
+  valueDate: string;
+  currency: string;
+  amount: string;
+  debtorIban?: string;
+  creditorIban: string;
+  creditorBic?: string;
+  beneficiaryName: string;
+  orderingName?: string;
+  remittanceInfo: string;
+  moneyLayers: MoneyLayer[];
+  rail: PaymentRail;
+  swiftMessageKind?: SwiftMessageKind;
+  tradeFinance?: {
+    instrument: TradeFinanceInstrument;
+    reference: string;
+    expiryDate?: string;
+  };
+  rwaVerbiage?: {
+    assetClass: string;
+    tokenLineId: string;
+    externalTransferRoll: boolean;
+  };
+  convertToCrypto?: {
+    enabled: boolean;
+    targetChainId: number;
+    tokenLineId: string;
+    recipientAddress: string;
+  };
+};
+
+export type TokenLoadRequest = {
+  idempotencyKey: string;
+  officeId?: number;
+  lineId: string;
+  symbol?: string;
+  tokenAddress?: string;
+  amount: string;
+  recipientAddress: string;
+  currency?: string;
+};
+
+export type TransferRequest = {
+  idempotencyKey: string;
+  officeId?: number;
+  tokenAddress: string;
+  tokenSymbol: string;
+  amount: string;
+  recipientAddress: string;
+  senderAddress?: string;
+  moneyLayers: MoneyLayer[];
+  rail: 'INTERNAL' | 'CHAIN138' | 'SWIFT' | 'RTGS';
+  /** External SWIFT/HYBX beneficiary IBAN when rail is external */
+  creditorIban?: string;
+  beneficiaryName?: string;
+  remittanceInfo?: string;
+  currency?: string;
+};
+
+export type SettlementRecord = {
+  settlementId: string;
+  idempotencyKey: string;
+  phase: SettlementPhase;
+  request: ExternalTransferRequest;
+  fineractJournalRef?: string;
+  hybxPaymentId?: string;
+  iso20022MessageId?: string;
+  chainTxHash?: string;
+  verbiageDocument?: string;
+  errors: string[];
+  createdAt: string;
+  updatedAt: string;
+};
+
+export type MoneySupplySnapshot = {
+  asOf: string;
+  officeId: number;
+  M0: { reserveOz?: string; gl1050: string; backingRatio: number };
+  M1: { circulating: string; gl2000: string; gl2100: string; capMultiple: number };
+  M2: { broadMoney: string; gl2200: string; metaFiatPending: string };
+  metaFiatRealRail: { pendingSettlement: string; inFlightSwift: string };
+};
--- a/packages/settlement-core/src/verbiage.ts
+++ b/packages/settlement-core/src/verbiage.ts
@@ -0,0 +1,58 @@
+import type { ExternalTransferRequest, SwiftMessageKind, TradeFinanceInstrument } from './types';
+
+/** OMNL central-bank external transfer verbiage roll (audit + operator copy) */
+export function rollExternalTransferVerbiage(req: ExternalTransferRequest): string {
+  const lines = [
+    '=== OMNL CENTRAL BANK — EXTERNAL TRANSFER VERBIAGE ROLL ===',
+    `Settlement ref: ${req.idempotencyKey}`,
+    `Value date: ${req.valueDate}`,
+    `Amount: ${req.amount} ${req.currency}`,
+    `Rail: ${req.rail}`,
+    `Money layers: ${req.moneyLayers.join(' + ')}`,
+    `Beneficiary: ${req.beneficiaryName}`,
+    `Creditor IBAN: ${req.creditorIban}`,
+  ];
+  if (req.creditorBic) lines.push(`Creditor BIC: ${req.creditorBic}`);
+  if (req.debtorIban) lines.push(`Debtor IBAN: ${req.debtorIban}`);
+  if (req.orderingName) lines.push(`Ordering party: ${req.orderingName}`);
+  lines.push(`Remittance: ${req.remittanceInfo}`);
+  if (req.swiftMessageKind) lines.push(`SWIFT message: ${req.swiftMessageKind}`);
+  if (req.tradeFinance) {
+    lines.push(
+      `Trade finance: ${req.tradeFinance.instrument} ref ${req.tradeFinance.reference}`,
+    );
+  }
+  if (req.rwaVerbiage?.externalTransferRoll) {
+    lines.push(
+      `RWA roll: ${req.rwaVerbiage.assetClass} → line ${req.rwaVerbiage.tokenLineId}`,
+    );
+  }
+  if (req.convertToCrypto?.enabled) {
+    lines.push(
+      `Post-settlement crypto conversion: chain ${req.convertToCrypto.targetChainId} → ${req.convertToCrypto.recipientAddress}`,
+    );
+  }
+  lines.push(
+    '',
+    'DISCLAIMER: Internal OMNL operator verbiage — not SWIFT NET transmission.',
+    'Fineract SoR + ISO 20022 archive bind settlement finality.',
+  );
+  return lines.join('\n');
+}
+
+export function buildMt103Narrative(req: ExternalTransferRequest): string {
+  return `/BNF/${req.beneficiaryName}//${req.remittanceInfo}`.slice(0, 140);
+}
+
+export function buildMt102Narrative(req: ExternalTransferRequest): string {
+  const tf = req.tradeFinance ? `/${req.tradeFinance.instrument}/${req.tradeFinance.reference}` : '';
+  return `/BNF/${req.beneficiaryName}${tf}//${req.remittanceInfo}`.slice(0, 140);
+}
+
+export function swiftKindForRequest(req: ExternalTransferRequest): SwiftMessageKind {
+  if (req.swiftMessageKind) return req.swiftMessageKind;
+  if (req.tradeFinance?.instrument === 'LS' || req.tradeFinance?.instrument === 'DLC') {
+    return 'MT102';
+  }
+  return 'MT103';
+}
--- a/packages/settlement-core/tsconfig.json
+++ b/packages/settlement-core/tsconfig.json
@@ -0,0 +1,13 @@
+{
+  "compilerOptions": {
+    "target": "ES2022",
+    "module": "commonjs",
+    "declaration": true,
+    "outDir": "dist",
+    "rootDir": "src",
+    "strict": true,
+    "esModuleInterop": true,
+    "skipLibCheck": true
+  },
+  "include": ["src/**/*"]
+}
--- a/scripts/deployment/deploy-omnl-bank-production.sh
+++ b/scripts/deployment/deploy-omnl-bank-production.sh
@@ -0,0 +1,100 @@
+#!/usr/bin/env bash
+# OMNL Bank — production deploy on server (128-chain, Office 24)
+set -euo pipefail
+
+REPO_DIR="${OMNL_BANK_ROOT:-$HOME/smom-dbis-138}"
+BRANCH="${OMNL_BANK_BRANCH:-main}"
+LOG_DIR="${OMNL_BANK_LOG_DIR:-$HOME/omnl-bank/logs}"
+ENV_FILE="${OMNL_BANK_ENV:-$REPO_DIR/.env}"
+
+log() { echo "[$(date -Iseconds)] $*"; }
+
+mkdir -p "$LOG_DIR"
+
+if [ ! -d "$REPO_DIR/.git" ]; then
+  log "Cloning smom-dbis-138..."
+  git clone "https://gitea.d-bis.org/d-bis/smom-dbis-138.git" "$REPO_DIR"
+fi
+
+cd "$REPO_DIR"
+log "Pull latest ($BRANCH)..."
+git fetch origin
+git checkout "$BRANCH"
+git pull --ff-only origin "$BRANCH"
+
+log "Generate 128-chain registry..."
+node scripts/generate-omnl-128-chains.mjs
+
+export SETTLEMENT_MIDDLEWARE_CONFIG="${SETTLEMENT_MIDDLEWARE_CONFIG:-config/settlement-middleware.production.v1.json}"
+export DBIS_EXCHANGE_CONFIG="${DBIS_EXCHANGE_CONFIG:-config/dbis-exchange.production.v1.json}"
+export OMNL_SUPPORTED_CHAINS_CONFIG="${OMNL_SUPPORTED_CHAINS_CONFIG:-config/omnl-supported-chains.v1.json}"
+export OMNL_M2_TOKEN_REGISTRY="${OMNL_M2_TOKEN_REGISTRY:-config/omnl-m2-token-registry.v1.json}"
+
+if [ -f "$ENV_FILE" ]; then
+  set -a
+  # shellcheck disable=SC1090
+  source "$ENV_FILE"
+  set +a
+fi
+
+build_pkg() {
+  local dir="$1"
+  log "Building $dir..."
+  cd "$REPO_DIR/$dir"
+  npm install --no-fund --no-audit
+  npm run build
+}
+
+for dir in packages/integration-foundation packages/settlement-core \
+  services/token-aggregation services/settlement-middleware services/dbis-exchange; do
+  build_pkg "$dir"
+done
+
+log "Building frontend..."
+cd "$REPO_DIR/frontend-dapp"
+if command -v pnpm >/dev/null 2>&1; then
+  pnpm install --frozen-lockfile 2>/dev/null || pnpm install
+  pnpm run build
+else
+  npm install
+  npm run build
+fi
+
+start_svc() {
+  local name="$1"
+  local dir="$2"
+  local port="$3"
+  local cmd="$4"
+  log "Starting $name on :$port"
+  cd "$REPO_DIR/$dir"
+  pkill -f "node.*$dir" 2>/dev/null || true
+  nohup bash -c "$cmd" >"$LOG_DIR/$name.log" 2>&1 &
+  echo $! >"$LOG_DIR/$name.pid"
+}
+
+start_svc token-aggregation services/token-aggregation 3000 "npm run start"
+sleep 2
+start_svc settlement-middleware services/settlement-middleware 3011 "npm run start"
+sleep 2
+start_svc dbis-exchange services/dbis-exchange 3012 "npm run start"
+sleep 2
+
+FRONTEND_PORT="${OMNL_BANK_FRONTEND_PORT:-3002}"
+pkill -f "serve -s.*$FRONTEND_PORT" 2>/dev/null || true
+cd "$REPO_DIR/frontend-dapp"
+nohup npx --yes serve -s dist -l "$FRONTEND_PORT" >"$LOG_DIR/frontend.log" 2>&1 &
+echo $! >"$LOG_DIR/frontend.pid"
+
+sleep 5
+log "Health checks..."
+curl -sf "http://127.0.0.1:3011/api/v1/settlement/health" | head -c 200 || true
+echo
+curl -sf "http://127.0.0.1:3012/api/v1/exchange/health" | head -c 200 || true
+echo
+curl -sf -o /dev/null -w "frontend=%{http_code}\n" "http://127.0.0.1:$FRONTEND_PORT/central-bank"
+
+log "OMNL Bank deploy complete"
+log "  Central Bank: http://127.0.0.1:$FRONTEND_PORT/central-bank"
+log "  Office 24:    http://127.0.0.1:$FRONTEND_PORT/office-24"
+log "  DBIS Trade:   http://127.0.0.1:$FRONTEND_PORT/trade"
+log "  128 chains:   http://127.0.0.1:3011/api/v1/settlement/chains"
--- a/scripts/generate-omnl-128-chains.mjs
+++ b/scripts/generate-omnl-128-chains.mjs
@@ -0,0 +1,142 @@
+#!/usr/bin/env node
+/**
+ * Generate config/omnl-supported-chains.v1.json — 128-chain OMNL Bank registry.
+ */
+import fs from 'fs';
+import path from 'path';
+import { fileURLToPath } from 'url';
+
+const __dirname = path.dirname(fileURLToPath(import.meta.url));
+const outPath = path.resolve(__dirname, '../config/omnl-supported-chains.v1.json');
+
+const CORE = [
+  { chainId: 138, name: 'DeFi Oracle Meta Mainnet', symbol: 'ETH', tier: 'primary', omnlRole: 'settlement-hub', explorer: 'https://explorer.d-bis.org', rpcDefault: 'http://192.168.11.221:8545' },
+  { chainId: 651940, name: 'ALL Mainnet', symbol: 'ALL', tier: 'primary', omnlRole: 'mirror-target', explorer: 'https://alltra.global', rpcDefault: 'https://mainnet-rpc.alltra.global' },
+  { chainId: 1, name: 'Ethereum', symbol: 'ETH', tier: 'l1', omnlRole: 'reserve', explorer: 'https://etherscan.io', rpcDefault: 'https://eth.llamarpc.com' },
+  { chainId: 56, name: 'BNB Smart Chain', symbol: 'BNB', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://bscscan.com', rpcDefault: 'https://bsc-dataseed.binance.org' },
+  { chainId: 137, name: 'Polygon', symbol: 'POL', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://polygonscan.com', rpcDefault: 'https://polygon-bor-rpc.publicnode.com' },
+  { chainId: 43114, name: 'Avalanche C-Chain', symbol: 'AVAX', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://snowtrace.io', rpcDefault: 'https://api.avax.network/ext/bc/C/rpc' },
+  { chainId: 42161, name: 'Arbitrum One', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://arbiscan.io', rpcDefault: 'https://arb1.arbitrum.io/rpc' },
+  { chainId: 10, name: 'Optimism', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://optimistic.etherscan.io', rpcDefault: 'https://mainnet.optimism.io' },
+  { chainId: 8453, name: 'Base', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://basescan.org', rpcDefault: 'https://mainnet.base.org' },
+  { chainId: 100, name: 'Gnosis', symbol: 'xDAI', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://gnosisscan.io', rpcDefault: 'https://rpc.gnosischain.com' },
+  { chainId: 25, name: 'Cronos', symbol: 'CRO', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://cronoscan.com', rpcDefault: 'https://evm.cronos.org' },
+  { chainId: 42220, name: 'Celo', symbol: 'CELO', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://celoscan.io', rpcDefault: 'https://forno.celo.org' },
+  { chainId: 1111, name: 'Wemix', symbol: 'WEMIX', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://scan.wemix.com', rpcDefault: 'https://api.wemix.com' },
+  { chainId: 250, name: 'Fantom', symbol: 'FTM', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://ftmscan.com', rpcDefault: 'https://rpc.ftm.tools' },
+  { chainId: 1284, name: 'Moonbeam', symbol: 'GLMR', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://moonscan.io', rpcDefault: 'https://rpc.api.moonbeam.network' },
+  { chainId: 1285, name: 'Moonriver', symbol: 'MOVR', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://moonriver.moonscan.io', rpcDefault: 'https://rpc.api.moonriver.moonbeam.network' },
+  { chainId: 324, name: 'zkSync Era', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://explorer.zksync.io', rpcDefault: 'https://mainnet.era.zksync.io' },
+  { chainId: 59144, name: 'Linea', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://lineascan.build', rpcDefault: 'https://rpc.linea.build' },
+  { chainId: 534352, name: 'Scroll', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://scrollscan.com', rpcDefault: 'https://rpc.scroll.io' },
+  { chainId: 81457, name: 'Blast', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://blastscan.io', rpcDefault: 'https://rpc.blast.io' },
+  { chainId: 5000, name: 'Mantle', symbol: 'MNT', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://explorer.mantle.xyz', rpcDefault: 'https://rpc.mantle.xyz' },
+  { chainId: 169, name: 'Manta Pacific', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://pacific-explorer.manta.network', rpcDefault: 'https://pacific-rpc.manta.network/http' },
+  { chainId: 1101, name: 'Polygon zkEVM', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://zkevm.polygonscan.com', rpcDefault: 'https://zkevm-rpc.com' },
+  { chainId: 34443, name: 'Mode', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://explorer.mode.network', rpcDefault: 'https://mainnet.mode.network' },
+  { chainId: 7777777, name: 'Zora', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://explorer.zora.energy', rpcDefault: 'https://rpc.zora.energy' },
+  { chainId: 204, name: 'opBNB', symbol: 'BNB', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://opbnbscan.com', rpcDefault: 'https://opbnb-mainnet-rpc.bnbchain.org' },
+  { chainId: 1088, name: 'Metis', symbol: 'METIS', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://explorer.metis.io', rpcDefault: 'https://andromeda.metis.io/?owner=1088' },
+  { chainId: 122, name: 'Fuse', symbol: 'FUSE', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://explorer.fuse.io', rpcDefault: 'https://rpc.fuse.io' },
+  { chainId: 288, name: 'Boba', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://bobascan.com', rpcDefault: 'https://mainnet.boba.network' },
+  { chainId: 1313161554, name: 'Aurora', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://explorer.aurora.dev', rpcDefault: 'https://mainnet.aurora.dev' },
+  { chainId: 8217, name: 'Klaytn', symbol: 'KLAY', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://scope.klaytn.com', rpcDefault: 'https://public-node-api.klaytnapi.io/v1/cypress' },
+  { chainId: 1666600000, name: 'Harmony', symbol: 'ONE', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://explorer.harmony.one', rpcDefault: 'https://api.harmony.one' },
+  { chainId: 4689, name: 'IoTeX', symbol: 'IOTX', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://iotexscan.io', rpcDefault: 'https://babel-api.mainnet.iotex.io' },
+  { chainId: 9001, name: 'Evmos', symbol: 'EVMOS', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://escan.live', rpcDefault: 'https://evmos.lava.build' },
+  { chainId: 321, name: 'KCC', symbol: 'KCS', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://explorer.kcc.io', rpcDefault: 'https://rpc-mainnet.kcc.network' },
+  { chainId: 1030, name: 'Conflux eSpace', symbol: 'CFX', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://evm.confluxscan.net', rpcDefault: 'https://evm.confluxrpc.com' },
+  { chainId: 7700, name: 'Canto', symbol: 'CANTO', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://tuber.build', rpcDefault: 'https://canto.gravitychain.io' },
+  { chainId: 592, name: 'Astar', symbol: 'ASTR', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://astar.subscan.io', rpcDefault: 'https://evm.astar.network' },
+  { chainId: 1818, name: 'Cube', symbol: 'CUBE', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://www.cubescan.network', rpcDefault: 'https://http-mainnet.cube.network' },
+  { chainId: 888, name: 'Wanchain', symbol: 'WAN', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://wanscan.org', rpcDefault: 'https://gwan-ssl.wandevs.org:56891' },
+  { chainId: 61, name: 'Ethereum Classic', symbol: 'ETC', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://blockscout.com/etc/mainnet', rpcDefault: 'https://etc.rivet.link' },
+  { chainId: 520, name: 'XT Smart Chain', symbol: 'XT', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://www.xscan.ai', rpcDefault: 'https://datarpc1.xsc.pub' },
+  { chainId: 23294, name: 'Oasis Sapphire', symbol: 'ROSE', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://explorer.oasis.io', rpcDefault: 'https://sapphire.oasis.io' },
+  { chainId: 71402, name: 'Godwoken', symbol: 'CKB', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://v1.gwscan.com', rpcDefault: 'https://v1.mainnet.godwoken.io/rpc' },
+  { chainId: 1116, name: 'Core', symbol: 'CORE', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://scan.coredao.org', rpcDefault: 'https://rpc.coredao.org' },
+  { chainId: 42793, name: 'Etherlink', symbol: 'XTZ', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://explorer.etherlink.com', rpcDefault: 'https://node.mainnet.etherlink.com' },
+  { chainId: 1135, name: 'Lisk', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://blockscout.lisk.com', rpcDefault: 'https://rpc.api.lisk.com' },
+  { chainId: 252, name: 'Fraxtal', symbol: 'FRAX', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://fraxscan.com', rpcDefault: 'https://rpc.frax.com' },
+  { chainId: 480, name: 'World Chain', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://worldscan.org', rpcDefault: 'https://worldchain-mainnet.g.alchemy.com/public' },
+  { chainId: 1480, name: 'Vana', symbol: 'VANA', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://vanascan.io', rpcDefault: 'https://rpc.vana.org' },
+  { chainId: 80094, name: 'Berachain', symbol: 'BERA', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://berascan.com', rpcDefault: 'https://rpc.berachain.com' },
+  { chainId: 130, name: 'Unichain', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://uniscan.xyz', rpcDefault: 'https://mainnet.unichain.org' },
+  { chainId: 196, name: 'X Layer', symbol: 'OKB', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://www.oklink.com/xlayer', rpcDefault: 'https://rpc.xlayer.tech' },
+  { chainId: 199, name: 'BitTorrent Chain', symbol: 'BTT', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://bttcscan.com', rpcDefault: 'https://rpc.bittorrentchain.io' },
+  { chainId: 106, name: 'Velas', symbol: 'VLX', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://evmexplorer.velas.com', rpcDefault: 'https://evmexplorer.velas.com/rpc' },
+  { chainId: 1000, name: 'GTON', symbol: 'GCD', tier: 'l1', omnlRole: 'staged', explorer: '', rpcDefault: '' },
+  { chainId: 2222, name: 'Kava EVM', symbol: 'KAVA', tier: 'l1', omnlRole: 'liquidity', explorer: 'https://explorer.kava.io', rpcDefault: 'https://evm.kava.io' },
+  { chainId: 1996, name: 'Sanko', symbol: 'DMT', tier: 'l1', omnlRole: 'staged', explorer: 'https://sanko-arbiscan.io', rpcDefault: 'https://mainnet.sanko.xyz' },
+  { chainId: 167000, name: 'Taiko', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://taikoscan.io', rpcDefault: 'https://rpc.mainnet.taiko.xyz' },
+  { chainId: 690, name: 'Redstone', symbol: 'ETH', tier: 'l2', omnlRole: 'liquidity', explorer: 'https://explorer.redstone.xyz', rpcDefault: 'https://rpc.redstonechain.com' },
+  { chainId: 810180, name: 'zkLink Nova', symbol: 'ETH', tier: 'l2', omnlRole: 'staged', explorer: 'https://explorer.zklink.io', rpcDefault: 'https://rpc.zklink.io' },
+  { chainId: 534351, name: 'Scroll Sepolia', symbol: 'ETH', tier: 'testnet', omnlRole: 'test', explorer: 'https://sepolia.scrollscan.com', rpcDefault: 'https://sepolia-rpc.scroll.io' },
+  { chainId: 11155111, name: 'Ethereum Sepolia', symbol: 'ETH', tier: 'testnet', omnlRole: 'test', explorer: 'https://sepolia.etherscan.io', rpcDefault: 'https://rpc.sepolia.org' },
+  { chainId: 2138, name: 'Defi Oracle Meta Testnet', symbol: 'ETH', tier: 'testnet', omnlRole: 'test', explorer: 'https://public-2138.defi-oracle.io', rpcDefault: 'https://rpc.public-2138.defi-oracle.io' },
+];
+
+function toEntry(c, status) {
+  return {
+    chainId: c.chainId,
+    name: c.name,
+    type: 'evm',
+    nativeSymbol: c.symbol,
+    tier: c.tier,
+    omnlRole: c.omnlRole,
+    status,
+    rpcEnv: `CHAIN_${c.chainId}_RPC_URL`,
+    explorerUrl: c.explorer || undefined,
+    rpcDefault: c.rpcDefault || undefined,
+    settlement: {
+      m2LoadEnabled: status === 'active',
+      swapEnabled: status === 'active',
+      bridgeEnabled: ['primary', 'l1', 'l2', 'liquidity'].includes(c.omnlRole) || c.tier === 'primary',
+      officeId: 24,
+    },
+    complianceEnv: `OMNL_COMPLIANCE_CORE_${c.chainId}`,
+  };
+}
+
+const chains = CORE.map((c) =>
+  toEntry(c, c.tier === 'staged' || c.tier === 'testnet' ? 'staged' : 'active'),
+);
+
+let nextId = 900001;
+while (chains.length < 128) {
+  const n = chains.length - CORE.length + 1;
+  chains.push({
+    chainId: nextId++,
+    name: `OMNL Expansion Slot ${n}`,
+    type: 'evm',
+    nativeSymbol: 'ETH',
+    tier: 'reserved',
+    omnlRole: 'expansion',
+    status: 'reserved',
+    rpcEnv: `CHAIN_${nextId - 1}_RPC_URL`,
+    settlement: { m2LoadEnabled: false, swapEnabled: false, bridgeEnabled: false, officeId: 24 },
+    complianceEnv: `OMNL_COMPLIANCE_CORE_${nextId - 1}`,
+  });
+}
+
+const doc = {
+  $schema: 'OMNL Bank supported chains — 128-chain production registry',
+  version: '1.0.0',
+  brand: 'OMNL Central Bank',
+  maxCapacity: 128,
+  primaryChainId: 138,
+  mirrorChainId: 651940,
+  settlementOfficeId: 24,
+  generatedAt: new Date().toISOString(),
+  chains,
+  stats: {
+    total: chains.length,
+    active: chains.filter((c) => c.status === 'active').length,
+    staged: chains.filter((c) => c.status === 'staged').length,
+    reserved: chains.filter((c) => c.status === 'reserved').length,
+  },
+};
+
+fs.writeFileSync(outPath, JSON.stringify(doc, null, 2));
+console.log(`Wrote ${chains.length} chains to ${outPath}`);
+console.log(JSON.stringify(doc.stats));
--- a/services/dbis-exchange/Dockerfile
+++ b/services/dbis-exchange/Dockerfile
@@ -0,0 +1,19 @@
+FROM node:20-alpine AS builder
+WORKDIR /app
+COPY package*.json ./
+COPY tsconfig.json ./
+RUN npm ci
+COPY src ./src
+RUN npm run build
+
+FROM node:20-alpine
+WORKDIR /app
+COPY package*.json ./
+RUN npm ci --omit=dev
+COPY --from=builder /app/dist ./dist
+RUN addgroup -g 1001 -S nodejs && adduser -S nodejs -u 1001
+USER nodejs
+EXPOSE 3012
+HEALTHCHECK --interval=30s --timeout=5s --retries=3 \
+  CMD node -e "require('http').get('http://localhost:3012/api/v1/exchange/health',r=>process.exit(r.statusCode===200?0:1))"
+CMD ["node", "dist/index.js"]
--- a/services/dbis-exchange/dist/adapters/settlement.js
+++ b/services/dbis-exchange/dist/adapters/settlement.js
@@ -0,0 +1,111 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.fetchFundLedger = fetchFundLedger;
+exports.fetchOfficeProfile = fetchOfficeProfile;
+exports.auditSwapToSettlement = auditSwapToSettlement;
+exports.requestM2TokenLoad = requestM2TokenLoad;
+exports.requestInternalTransfer = requestInternalTransfer;
+exports.requestExternalTransfer = requestExternalTransfer;
+exports.fetchCryptoLedger = fetchCryptoLedger;
+exports.resolveTokenLine = resolveTokenLine;
+const axios_1 = __importDefault(require("axios"));
+const ethers_1 = require("ethers");
+const config_1 = require("../config");
+const ERC20_ABI = ['function balanceOf(address) view returns (uint256)', 'function decimals() view returns (uint8)'];
+async function fetchFundLedger(officeId, apiKey) {
+    const headers = {};
+    if (apiKey)
+        headers.Authorization = `Bearer ${apiKey}`;
+    const { data } = await axios_1.default.get(`${(0, config_1.settlementUrl)()}/api/v1/settlement/money-supply`, {
+        headers,
+        timeout: 60000,
+    });
+    return { officeId, fundLedger: data };
+}
+async function fetchOfficeProfile() {
+    const { data } = await axios_1.default.get(`${(0, config_1.settlementUrl)()}/api/v1/settlement/office`, { timeout: 15000 });
+    return data;
+}
+async function auditSwapToSettlement(payload) {
+    const lineId = payload.tokenLineId ?? `${payload.currency}-M2`;
+    const headers = { 'Content-Type': 'application/json' };
+    if (payload.apiKey)
+        headers.Authorization = `Bearer ${payload.apiKey}`;
+    const { data } = await axios_1.default.post(`${(0, config_1.settlementUrl)()}/api/v1/settlement/convert/fiat-to-crypto`, {
+        idempotencyKey: payload.idempotencyKey,
+        amount: payload.amount,
+        currency: payload.currency,
+        creditorIban: 'GB82WEST12345698765432',
+        beneficiaryName: 'DBIS Exchange settlement audit',
+        remittanceInfo: payload.remittanceInfo,
+        convertToCrypto: {
+            enabled: true,
+            targetChainId: 138,
+            tokenLineId: lineId,
+            recipientAddress: payload.recipientAddress,
+        },
+    }, { headers, timeout: 120000, validateStatus: () => true });
+    return data;
+}
+async function requestM2TokenLoad(payload) {
+    const headers = { 'Content-Type': 'application/json' };
+    if (payload.apiKey)
+        headers.Authorization = `Bearer ${payload.apiKey}`;
+    const { data } = await axios_1.default.post(`${(0, config_1.settlementUrl)()}/api/v1/settlement/token-load`, {
+        idempotencyKey: payload.idempotencyKey,
+        lineId: payload.lineId,
+        symbol: payload.symbol,
+        tokenAddress: payload.tokenAddress,
+        amount: payload.amount,
+        recipientAddress: payload.recipientAddress,
+        currency: payload.currency,
+    }, { headers, timeout: 120000, validateStatus: () => true });
+    return data;
+}
+async function requestInternalTransfer(payload) {
+    const headers = { 'Content-Type': 'application/json' };
+    if (payload.apiKey)
+        headers.Authorization = `Bearer ${payload.apiKey}`;
+    const { data } = await axios_1.default.post(`${(0, config_1.settlementUrl)()}/api/v1/settlement/transfer/internal`, {
+        ...payload,
+        moneyLayers: ['M2'],
+    }, { headers, timeout: 120000, validateStatus: () => true });
+    return data;
+}
+async function requestExternalTransfer(payload) {
+    const headers = { 'Content-Type': 'application/json' };
+    if (payload.apiKey)
+        headers.Authorization = `Bearer ${payload.apiKey}`;
+    const { data } = await axios_1.default.post(`${(0, config_1.settlementUrl)()}/api/v1/settlement/transfer/external`, {
+        ...payload,
+        moneyLayers: ['M2'],
+        rail: 'SWIFT',
+    }, { headers, timeout: 120000, validateStatus: () => true });
+    return data;
+}
+async function fetchCryptoLedger(rpcUrl, wallet, tokens) {
+    const provider = new ethers_1.JsonRpcProvider(rpcUrl);
+    const balances = {};
+    for (const t of tokens) {
+        if (t.native || t.address === '0x0000000000000000000000000000000000000000') {
+            const wei = await provider.getBalance(wallet);
+            balances[t.symbol] = (0, ethers_1.formatUnits)(wei, 18);
+            continue;
+        }
+        try {
+            const c = new ethers_1.Contract(t.address, ERC20_ABI, provider);
+            const raw = await c.balanceOf(wallet);
+            balances[t.symbol] = (0, ethers_1.formatUnits)(raw, t.decimals);
+        }
+        catch {
+            balances[t.symbol] = '0';
+        }
+    }
+    return { wallet, balances };
+}
+function resolveTokenLine(token) {
+    return token.omnlLine;
+}
--- a/services/dbis-exchange/dist/adapters/token-aggregation.js
+++ b/services/dbis-exchange/dist/adapters/token-aggregation.js
@@ -0,0 +1,52 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.fetchQuote = fetchQuote;
+exports.fetchRoutePlan = fetchRoutePlan;
+exports.fetchExecutionPlan = fetchExecutionPlan;
+exports.fetchProviderCapabilities = fetchProviderCapabilities;
+const axios_1 = __importDefault(require("axios"));
+const config_1 = require("../config");
+async function fetchQuote(params) {
+    const base = (0, config_1.tokenAggUrl)();
+    const q = new URLSearchParams({
+        chainId: String(params.chainId),
+        tokenIn: params.tokenIn,
+        tokenOut: params.tokenOut,
+        amountIn: params.amountIn,
+    });
+    const { data } = await axios_1.default.get(`${base}/api/v1/quote?${q}`, { timeout: 60000 });
+    return data;
+}
+async function fetchRoutePlan(body) {
+    const { data } = await axios_1.default.post(`${(0, config_1.tokenAggUrl)()}/api/v2/routes/plan`, {
+        sourceChainId: body.sourceChainId,
+        destinationChainId: body.destinationChainId,
+        tokenIn: body.tokenIn,
+        tokenOut: body.tokenOut,
+        amountIn: body.amountIn,
+        recipient: body.recipient,
+        constraints: { maxSlippageBps: body.maxSlippageBps ?? 50, allowBridge: false },
+    }, { timeout: 120000 });
+    return data;
+}
+async function fetchExecutionPlan(body) {
+    const { data } = await axios_1.default.post(`${(0, config_1.tokenAggUrl)()}/api/v2/routes/internal-execution-plan`, {
+        sourceChainId: body.sourceChainId,
+        destinationChainId: body.destinationChainId,
+        tokenIn: body.tokenIn,
+        tokenOut: body.tokenOut,
+        amountIn: body.amountIn,
+        recipient: body.recipient,
+        constraints: { maxSlippageBps: body.maxSlippageBps ?? 50, allowBridge: false },
+    }, { timeout: 120000 });
+    return data;
+}
+async function fetchProviderCapabilities(chainId) {
+    const { data } = await axios_1.default.get(`${(0, config_1.tokenAggUrl)()}/api/v2/providers/capabilities?chainId=${chainId}`, {
+        timeout: 30000,
+    });
+    return data;
+}
--- a/services/dbis-exchange/dist/api/routes/exchange.js
+++ b/services/dbis-exchange/dist/api/routes/exchange.js
@@ -0,0 +1,299 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.exchangePort = void 0;
+exports.createExchangeRouter = createExchangeRouter;
+const express_1 = require("express");
+const config_1 = require("../../config");
+Object.defineProperty(exports, "exchangePort", { enumerable: true, get: function () { return config_1.exchangePort; } });
+const settlement_1 = require("../../adapters/settlement");
+const token_aggregation_1 = require("../../adapters/token-aggregation");
+const swap_monitor_1 = require("../../store/swap-monitor");
+function apiKey(req) {
+    return req.header('Authorization')?.replace(/^Bearer\s+/i, '') || req.header('X-API-Key') || undefined;
+}
+function requireKey(req, res) {
+    const cfg = (0, config_1.loadExchangeConfig)();
+    if (!cfg.production.requireApiKey)
+        return true;
+    const key = apiKey(req);
+    if (key && key === process.env.OMNL_API_KEY)
+        return true;
+    res.status(401).json({ error: 'Unauthorized' });
+    return false;
+}
+function createExchangeRouter() {
+    const router = (0, express_1.Router)();
+    const cfg = (0, config_1.loadExchangeConfig)();
+    router.get('/health', (_req, res) => {
+        res.json({
+            service: 'dbis-exchange',
+            brand: cfg.brandName,
+            chainId: cfg.chainId,
+            officeId: cfg.officeId,
+            settlementOffice: cfg.settlementOfficeExternalId,
+            tokenAggregation: (0, config_1.tokenAggUrl)(),
+            settlementMiddleware: (0, config_1.settlementUrl)(),
+            status: 'ok',
+        });
+    });
+    router.get('/tokens', (_req, res) => {
+        const tokens = (0, config_1.loadExchangeTokens)();
+        res.json({
+            chainId: cfg.chainId,
+            tokens,
+            count: tokens.length,
+            moneyLayer: 'M2',
+            routers: cfg.routers,
+        });
+    });
+    router.get('/tokens/capabilities', (_req, res) => {
+        const registry = (0, config_1.loadM2TokenRegistry)();
+        res.json(registry);
+    });
+    router.get('/providers', async (_req, res) => {
+        try {
+            res.json(await (0, token_aggregation_1.fetchProviderCapabilities)(cfg.chainId));
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/quote', async (req, res) => {
+        try {
+            const tokenIn = String(req.query.tokenIn || '');
+            const tokenOut = String(req.query.tokenOut || '');
+            const amountIn = String(req.query.amountIn || '');
+            if (!tokenIn || !tokenOut || !amountIn) {
+                res.status(400).json({ error: 'tokenIn, tokenOut, amountIn required' });
+                return;
+            }
+            const quote = await (0, token_aggregation_1.fetchQuote)({
+                chainId: cfg.chainId,
+                tokenIn,
+                tokenOut,
+                amountIn,
+            });
+            if (cfg.production.monitorSwaps) {
+                (0, swap_monitor_1.recordSwap)({
+                    officeId: cfg.officeId,
+                    chainId: cfg.chainId,
+                    tokenIn,
+                    tokenOut,
+                    amountIn,
+                    amountOut: quote.amountOut ?? quote.expectedOutput,
+                    status: 'QUOTED',
+                });
+            }
+            res.json(quote);
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/plan', async (req, res) => {
+        try {
+            const { tokenIn, tokenOut, amountIn, recipient, maxSlippageBps } = req.body;
+            if (!tokenIn || !tokenOut || !amountIn) {
+                res.status(400).json({ error: 'tokenIn, tokenOut, amountIn required' });
+                return;
+            }
+            const plan = await (0, token_aggregation_1.fetchRoutePlan)({
+                sourceChainId: cfg.chainId,
+                destinationChainId: cfg.chainId,
+                tokenIn: String(tokenIn),
+                tokenOut: String(tokenOut),
+                amountIn: String(amountIn),
+                recipient: recipient ? String(recipient) : undefined,
+                maxSlippageBps: maxSlippageBps ? Number(maxSlippageBps) : cfg.defaultSlippageBps,
+            });
+            res.json(plan);
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/execute-plan', async (req, res) => {
+        try {
+            const { tokenIn, tokenOut, amountIn, recipient, maxSlippageBps } = req.body;
+            if (!tokenIn || !tokenOut || !amountIn || !recipient) {
+                res.status(400).json({ error: 'tokenIn, tokenOut, amountIn, recipient required' });
+                return;
+            }
+            const plan = await (0, token_aggregation_1.fetchExecutionPlan)({
+                sourceChainId: cfg.chainId,
+                destinationChainId: cfg.chainId,
+                tokenIn: String(tokenIn),
+                tokenOut: String(tokenOut),
+                amountIn: String(amountIn),
+                recipient: String(recipient),
+                maxSlippageBps: maxSlippageBps ? Number(maxSlippageBps) : cfg.defaultSlippageBps,
+            });
+            res.json(plan);
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/ledgers', async (req, res) => {
+        try {
+            const wallet = req.query.wallet ? String(req.query.wallet) : undefined;
+            const serverKey = process.env.OMNL_API_KEY;
+            const rpc = process.env.RPC_URL_138_PUBLIC ||
+                process.env.RPC_URL_138 ||
+                'https://rpc-http-pub.d-bis.org';
+            let fund = null;
+            let office = null;
+            if (serverKey) {
+                [fund, office] = await Promise.all([
+                    (0, settlement_1.fetchFundLedger)(cfg.officeId, serverKey),
+                    (0, settlement_1.fetchOfficeProfile)(),
+                ]);
+            }
+            let crypto;
+            if (wallet) {
+                crypto = await (0, settlement_1.fetchCryptoLedger)(rpc, wallet, (0, config_1.loadExchangeTokens)());
+            }
+            res.json({
+                officeId: cfg.officeId,
+                office,
+                fundLedger: fund?.fundLedger ?? null,
+                cryptoLedger: crypto ?? null,
+                asOf: new Date().toISOString(),
+            });
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/swap/monitor', (_req, res) => {
+        res.json({ stats: (0, swap_monitor_1.swapStats)(), swaps: (0, swap_monitor_1.listSwaps)(Number(_req.query.limit ?? 50)) });
+    });
+    router.post('/swap/record', (req, res) => {
+        const body = req.body;
+        const rec = (0, swap_monitor_1.recordSwap)({
+            officeId: cfg.officeId,
+            chainId: cfg.chainId,
+            tokenIn: String(body.tokenIn ?? ''),
+            tokenOut: String(body.tokenOut ?? ''),
+            amountIn: String(body.amountIn ?? ''),
+            amountOut: body.amountOut ? String(body.amountOut) : undefined,
+            txHash: body.txHash ? String(body.txHash) : undefined,
+            wallet: body.wallet ? String(body.wallet) : undefined,
+            routeProviders: Array.isArray(body.routeProviders)
+                ? body.routeProviders.map(String)
+                : undefined,
+            status: body.status ?? 'SUBMITTED',
+            settlementRef: body.settlementRef ? String(body.settlementRef) : undefined,
+        });
+        res.json(rec);
+    });
+    router.patch('/swap/record/:id', (req, res) => {
+        const updated = (0, swap_monitor_1.updateSwap)(req.params.id, req.body);
+        if (!updated) {
+            res.status(404).json({ error: 'Not found' });
+            return;
+        }
+        res.json(updated);
+    });
+    router.post('/swap/settle', async (req, res) => {
+        if (!requireKey(req, res))
+            return;
+        if (!cfg.production.postSwapSettlementAudit) {
+            res.status(403).json({ error: 'postSwapSettlementAudit disabled' });
+            return;
+        }
+        try {
+            const { swapId, amount, recipientAddress, currency, tokenLineId, tokenSymbol } = req.body;
+            const tokens = (0, config_1.loadExchangeTokens)();
+            const token = tokens.find((t) => t.symbol === tokenSymbol);
+            const lineId = tokenLineId
+                ? String(tokenLineId)
+                : token
+                    ? (0, settlement_1.resolveTokenLine)(token)
+                    : `${String(currency ?? 'USD')}-M2`;
+            const audit = await (0, settlement_1.auditSwapToSettlement)({
+                idempotencyKey: `SWAP-${String(swapId ?? Date.now())}`,
+                amount: String(amount ?? '0'),
+                currency: String(currency ?? 'USD'),
+                recipientAddress: String(recipientAddress ?? ''),
+                remittanceInfo: `DBIS Exchange M2 swap settlement Office ${cfg.officeId}`,
+                tokenLineId: lineId,
+                apiKey: apiKey(req),
+            });
+            if (swapId)
+                (0, swap_monitor_1.updateSwap)(String(swapId), { settlementRef: audit.settlementId, status: 'CONFIRMED' });
+            res.json(audit);
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/token-load', async (req, res) => {
+        if (!requireKey(req, res))
+            return;
+        try {
+            const body = req.body;
+            const tokens = (0, config_1.loadExchangeTokens)();
+            const addr = String(body.tokenAddress ?? '');
+            const token = tokens.find((t) => t.address.toLowerCase() === addr.toLowerCase());
+            const result = await (0, settlement_1.requestM2TokenLoad)({
+                idempotencyKey: String(body.idempotencyKey ?? `LOAD-${Date.now()}`),
+                lineId: String(body.lineId ?? token?.omnlLine ?? 'USD-M2'),
+                symbol: String(body.symbol ?? token?.symbol ?? ''),
+                tokenAddress: addr,
+                amount: String(body.amount ?? '0'),
+                recipientAddress: String(body.recipientAddress ?? ''),
+                currency: String(body.currency ?? token?.currencyCode ?? 'USD'),
+                apiKey: apiKey(req) ?? process.env.OMNL_API_KEY,
+            });
+            res.status(result.phase === 'FAILED' ? 422 : 200).json(result);
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/transfer/internal', async (req, res) => {
+        if (!requireKey(req, res))
+            return;
+        try {
+            const body = req.body;
+            const result = await (0, settlement_1.requestInternalTransfer)({
+                idempotencyKey: String(body.idempotencyKey ?? `XFER-INT-${Date.now()}`),
+                tokenAddress: String(body.tokenAddress ?? ''),
+                tokenSymbol: String(body.tokenSymbol ?? ''),
+                amount: String(body.amount ?? '0'),
+                recipientAddress: String(body.recipientAddress ?? ''),
+                senderAddress: body.senderAddress ? String(body.senderAddress) : undefined,
+                apiKey: apiKey(req) ?? process.env.OMNL_API_KEY,
+            });
+            res.status(result.phase === 'FAILED' ? 422 : 200).json(result);
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/transfer/external', async (req, res) => {
+        if (!requireKey(req, res))
+            return;
+        try {
+            const body = req.body;
+            const result = await (0, settlement_1.requestExternalTransfer)({
+                idempotencyKey: String(body.idempotencyKey ?? `XFER-EXT-${Date.now()}`),
+                tokenAddress: String(body.tokenAddress ?? ''),
+                tokenSymbol: String(body.tokenSymbol ?? ''),
+                amount: String(body.amount ?? '0'),
+                recipientAddress: String(body.recipientAddress ?? ''),
+                creditorIban: String(body.creditorIban ?? ''),
+                beneficiaryName: body.beneficiaryName ? String(body.beneficiaryName) : undefined,
+                currency: body.currency ? String(body.currency) : undefined,
+                remittanceInfo: body.remittanceInfo ? String(body.remittanceInfo) : undefined,
+                apiKey: apiKey(req) ?? process.env.OMNL_API_KEY,
+            });
+            res.status(result.phase === 'FAILED' ? 422 : 200).json(result);
+        }
+        catch (e) {
+            res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    return router;
+}
--- a/services/dbis-exchange/dist/config.js
+++ b/services/dbis-exchange/dist/config.js
@@ -0,0 +1,45 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.loadM2TokenRegistry = loadM2TokenRegistry;
+exports.loadExchangeTokens = loadExchangeTokens;
+exports.loadExchangeConfig = loadExchangeConfig;
+exports.exchangePort = exchangePort;
+exports.tokenAggUrl = tokenAggUrl;
+exports.settlementUrl = settlementUrl;
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+const settlement_core_1 = require("@dbis/settlement-core");
+let cached = null;
+let cachedM2 = null;
+function loadM2TokenRegistry() {
+    if (cachedM2)
+        return cachedM2;
+    const p = process.env.OMNL_M2_TOKEN_REGISTRY ||
+        path_1.default.resolve(__dirname, '../../../config/omnl-m2-token-registry.v1.json');
+    cachedM2 = JSON.parse(fs_1.default.readFileSync(p, 'utf8'));
+    return cachedM2;
+}
+function loadExchangeTokens() {
+    const cfg = loadExchangeConfig();
+    return (0, settlement_core_1.mergeExchangeTokensWithM2Registry)(cfg.tokens, loadM2TokenRegistry());
+}
+function loadExchangeConfig() {
+    if (cached)
+        return cached;
+    const p = process.env.DBIS_EXCHANGE_CONFIG ||
+        path_1.default.resolve(__dirname, '../../../config/dbis-exchange.v1.json');
+    cached = JSON.parse(fs_1.default.readFileSync(p, 'utf8'));
+    return cached;
+}
+function exchangePort() {
+    return parseInt(process.env.DBIS_EXCHANGE_PORT || '3012', 10);
+}
+function tokenAggUrl() {
+    return (process.env.TOKEN_AGGREGATION_URL || 'http://localhost:3000').replace(/\/$/, '');
+}
+function settlementUrl() {
+    return (process.env.SETTLEMENT_MIDDLEWARE_URL || 'http://localhost:3011').replace(/\/$/, '');
+}
--- a/services/dbis-exchange/dist/index.js
+++ b/services/dbis-exchange/dist/index.js
@@ -0,0 +1,47 @@
+"use strict";
+var __createBinding = (this && this.__createBinding) || (Object.create ? (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    var desc = Object.getOwnPropertyDescriptor(m, k);
+    if (!desc || ("get" in desc ? !m.__esModule : desc.writable || desc.configurable)) {
+      desc = { enumerable: true, get: function() { return m[k]; } };
+    }
+    Object.defineProperty(o, k2, desc);
+}) : (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    o[k2] = m[k];
+}));
+var __setModuleDefault = (this && this.__setModuleDefault) || (Object.create ? (function(o, v) {
+    Object.defineProperty(o, "default", { enumerable: true, value: v });
+}) : function(o, v) {
+    o["default"] = v;
+});
+var __importStar = (this && this.__importStar) || (function () {
+    var ownKeys = function(o) {
+        ownKeys = Object.getOwnPropertyNames || function (o) {
+            var ar = [];
+            for (var k in o) if (Object.prototype.hasOwnProperty.call(o, k)) ar[ar.length] = k;
+            return ar;
+        };
+        return ownKeys(o);
+    };
+    return function (mod) {
+        if (mod && mod.__esModule) return mod;
+        var result = {};
+        if (mod != null) for (var k = ownKeys(mod), i = 0; i < k.length; i++) if (k[i] !== "default") __createBinding(result, mod, k[i]);
+        __setModuleDefault(result, mod);
+        return result;
+    };
+})();
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+const dotenv = __importStar(require("dotenv"));
+const path_1 = __importDefault(require("path"));
+const fs_1 = require("fs");
+const server_1 = require("./server");
+const rootEnv = path_1.default.resolve(__dirname, '../../../.env');
+if ((0, fs_1.existsSync)(rootEnv))
+    dotenv.config({ path: rootEnv });
+dotenv.config();
+(0, server_1.startServer)();
--- a/services/dbis-exchange/dist/server.js
+++ b/services/dbis-exchange/dist/server.js
@@ -0,0 +1,19 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.startServer = startServer;
+const express_1 = __importDefault(require("express"));
+const cors_1 = __importDefault(require("cors"));
+const exchange_1 = require("./api/routes/exchange");
+function startServer() {
+    const app = (0, express_1.default)();
+    app.use((0, cors_1.default)());
+    app.use(express_1.default.json());
+    app.use('/api/v1/exchange', (0, exchange_1.createExchangeRouter)());
+    const p = (0, exchange_1.exchangePort)();
+    app.listen(p, () => {
+        console.log(`DBIS Exchange (Pancake-style) on http://localhost:${p}/api/v1/exchange`);
+    });
+}
--- a/services/dbis-exchange/dist/store/swap-monitor.js
+++ b/services/dbis-exchange/dist/store/swap-monitor.js
@@ -0,0 +1,52 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.recordSwap = recordSwap;
+exports.updateSwap = updateSwap;
+exports.listSwaps = listSwaps;
+exports.swapStats = swapStats;
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+const uuid_1 = require("uuid");
+const base = process.env.DBIS_SWAP_MONITOR_DIR ||
+    path_1.default.resolve(__dirname, '../../../data/dbis-exchange/swap-monitor');
+function dir() {
+    if (!fs_1.default.existsSync(base))
+        fs_1.default.mkdirSync(base, { recursive: true });
+    return base;
+}
+function recordSwap(entry) {
+    const now = new Date().toISOString();
+    const rec = { id: (0, uuid_1.v4)(), createdAt: now, updatedAt: now, ...entry };
+    fs_1.default.writeFileSync(path_1.default.join(dir(), `${rec.id}.json`), JSON.stringify(rec, null, 2));
+    return rec;
+}
+function updateSwap(id, patch) {
+    const p = path_1.default.join(dir(), `${id}.json`);
+    if (!fs_1.default.existsSync(p))
+        return null;
+    const rec = JSON.parse(fs_1.default.readFileSync(p, 'utf8'));
+    const updated = { ...rec, ...patch, updatedAt: new Date().toISOString() };
+    fs_1.default.writeFileSync(p, JSON.stringify(updated, null, 2));
+    return updated;
+}
+function listSwaps(limit = 100) {
+    return fs_1.default
+        .readdirSync(dir())
+        .filter((f) => f.endsWith('.json'))
+        .slice(0, limit)
+        .map((f) => JSON.parse(fs_1.default.readFileSync(path_1.default.join(dir(), f), 'utf8')))
+        .sort((a, b) => b.createdAt.localeCompare(a.createdAt));
+}
+function swapStats() {
+    const all = listSwaps(5000);
+    const dayAgo = Date.now() - 86400000;
+    return {
+        total: all.length,
+        confirmed: all.filter((s) => s.status === 'CONFIRMED').length,
+        failed: all.filter((s) => s.status === 'FAILED').length,
+        last24h: all.filter((s) => new Date(s.createdAt).getTime() > dayAgo).length,
+    };
+}
--- a/services/dbis-exchange/package-lock.json
+++ b/services/dbis-exchange/package-lock.json
--- a/services/dbis-exchange/package.json
+++ b/services/dbis-exchange/package.json
@@ -0,0 +1,28 @@
+{
+  "name": "dbis-exchange",
+  "version": "1.0.0",
+  "description": "DBIS Pancake-style exchange on Chain 138 — OMNL Office 24 settlement + ledger + swap monitoring",
+  "main": "dist/index.js",
+  "scripts": {
+    "build": "tsc",
+    "start": "node dist/index.js",
+    "dev": "ts-node src/index.ts"
+  },
+  "dependencies": {
+    "@dbis/settlement-core": "file:../../packages/settlement-core",
+    "axios": "^1.15.2",
+    "cors": "^2.8.6",
+    "dotenv": "^16.6.1",
+    "ethers": "^6.16.0",
+    "express": "^5.1.0",
+    "uuid": "^11.1.0"
+  },
+  "devDependencies": {
+    "@types/cors": "^2.8.19",
+    "@types/express": "^5.0.6",
+    "@types/node": "^20.19.33",
+    "@types/uuid": "^10.0.0",
+    "ts-node": "^10.9.2",
+    "typescript": "^5.9.3"
+  }
+}
--- a/services/dbis-exchange/src/adapters/settlement.ts
+++ b/services/dbis-exchange/src/adapters/settlement.ts
@@ -0,0 +1,159 @@
+import axios from 'axios';
+
+import { JsonRpcProvider, Contract, formatUnits } from 'ethers';
+
+import { settlementUrl } from '../config';
+
+import type { M2TokenCapabilities } from '@dbis/settlement-core';
+
+
+
+const ERC20_ABI = ['function balanceOf(address) view returns (uint256)', 'function decimals() view returns (uint8)'];
+
+
+
+export async function fetchFundLedger(officeId: number, apiKey?: string) {
+
+  const headers: Record<string, string> = {};
+
+  if (apiKey) headers.Authorization = `Bearer ${apiKey}`;
+
+  const { data } = await axios.get(`${settlementUrl()}/api/v1/settlement/money-supply`, {
+
+    headers,
+
+    timeout: 60000,
+
+  });
+
+  return { officeId, fundLedger: data };
+
+}
+
+
+
+export async function fetchOfficeProfile() {
+
+  const { data } = await axios.get(`${settlementUrl()}/api/v1/settlement/office`, { timeout: 15000 });
+
+  return data;
+
+}
+
+
+
+export async function auditSwapToSettlement(payload: {
+
+  idempotencyKey: string;
+
+  amount: string;
+
+  currency: string;
+
+  recipientAddress: string;
+
+  remittanceInfo: string;
+
+  tokenLineId?: string;
+
+  apiKey?: string;
+
+}) {
+
+  const lineId = payload.tokenLineId ?? `${payload.currency}-M2`;
+
+  const headers: Record<string, string> = { 'Content-Type': 'application/json' };
+
+  if (payload.apiKey) headers.Authorization = `Bearer ${payload.apiKey}`;
+
+  const { data } = await axios.post(
+
+    `${settlementUrl()}/api/v1/settlement/convert/fiat-to-crypto`,
+
+    {
+
+      idempotencyKey: payload.idempotencyKey,
+
+      amount: payload.amount,
+
+      currency: payload.currency,
+
+      creditorIban: 'GB82WEST12345698765432',
+
+      beneficiaryName: 'DBIS Exchange settlement audit',
+
+      remittanceInfo: payload.remittanceInfo,
+
+      convertToCrypto: {
+
+        enabled: true,
+
+        targetChainId: 138,
+
+        tokenLineId: lineId,
+
+        recipientAddress: payload.recipientAddress,
+
+      },
+
+    },
+
+    { headers, timeout: 120000, validateStatus: () => true },
+
+  );
+
+  return data;
+
+}
+
+
+
+export async function requestM2TokenLoad(payload: {
+
+  idempotencyKey: string;
+
+  lineId: string;
+
+  symbol: string;
+
+  tokenAddress: string;
+
+  amount: string;
+
+  recipientAddress: string;
+
+  currency?: string;
+
+  apiKey?: string;
+
+}) {
+
+  const headers: Record<string, string> = { 'Content-Type': 'application/json' };
+
+  if (payload.apiKey) headers.Authorization = `Bearer ${payload.apiKey}`;
+
+  const { data } = await axios.post(
+
+    `${settlementUrl()}/api/v1/settlement/token-load`,
+
+    {
+
+      idempotencyKey: payload.idempotencyKey,
+
+      lineId: payload.lineId,
+
+      symbol: payload.symbol,
+
+      tokenAddress: payload.tokenAddress,
+
+      amount: payload.amount,
+
+      recipientAddress: payload.recipientAddress,
+
+      currency: payload.currency,
+
+    },
+
+    { headers, timeout: 120000, validateStatus: () => true },
+
+  );
--- a/services/dbis-exchange/src/adapters/token-aggregation.ts
+++ b/services/dbis-exchange/src/adapters/token-aggregation.ts
@@ -0,0 +1,76 @@
+import axios from 'axios';
+import { tokenAggUrl } from '../config';
+
+export async function fetchQuote(params: {
+  chainId: number;
+  tokenIn: string;
+  tokenOut: string;
+  amountIn: string;
+}) {
+  const base = tokenAggUrl();
+  const q = new URLSearchParams({
+    chainId: String(params.chainId),
+    tokenIn: params.tokenIn,
+    tokenOut: params.tokenOut,
+    amountIn: params.amountIn,
+  });
+  const { data } = await axios.get(`${base}/api/v1/quote?${q}`, { timeout: 60000 });
+  return data;
+}
+
+export async function fetchRoutePlan(body: {
+  sourceChainId: number;
+  destinationChainId: number;
+  tokenIn: string;
+  tokenOut: string;
+  amountIn: string;
+  recipient?: string;
+  maxSlippageBps?: number;
+}) {
+  const { data } = await axios.post(
+    `${tokenAggUrl()}/api/v2/routes/plan`,
+    {
+      sourceChainId: body.sourceChainId,
+      destinationChainId: body.destinationChainId,
+      tokenIn: body.tokenIn,
+      tokenOut: body.tokenOut,
+      amountIn: body.amountIn,
+      recipient: body.recipient,
+      constraints: { maxSlippageBps: body.maxSlippageBps ?? 50, allowBridge: false },
+    },
+    { timeout: 120000 },
+  );
+  return data;
+}
+
+export async function fetchExecutionPlan(body: {
+  sourceChainId: number;
+  destinationChainId: number;
+  tokenIn: string;
+  tokenOut: string;
+  amountIn: string;
+  recipient: string;
+  maxSlippageBps?: number;
+}) {
+  const { data } = await axios.post(
+    `${tokenAggUrl()}/api/v2/routes/internal-execution-plan`,
+    {
+      sourceChainId: body.sourceChainId,
+      destinationChainId: body.destinationChainId,
+      tokenIn: body.tokenIn,
+      tokenOut: body.tokenOut,
+      amountIn: body.amountIn,
+      recipient: body.recipient,
+      constraints: { maxSlippageBps: body.maxSlippageBps ?? 50, allowBridge: false },
+    },
+    { timeout: 120000 },
+  );
+  return data;
+}
+
+export async function fetchProviderCapabilities(chainId: number) {
+  const { data } = await axios.get(`${tokenAggUrl()}/api/v2/providers/capabilities?chainId=${chainId}`, {
+    timeout: 30000,
+  });
+  return data;
+}
--- a/services/dbis-exchange/src/api/routes/exchange.ts
+++ b/services/dbis-exchange/src/api/routes/exchange.ts
@@ -0,0 +1,322 @@
+import { Router, type Request, type Response } from 'express';
+import {
+  loadExchangeConfig,
+  loadExchangeTokens,
+  loadM2TokenRegistry,
+  exchangePort,
+  tokenAggUrl,
+  settlementUrl,
+} from '../../config';
+import {
+  auditSwapToSettlement,
+  fetchCryptoLedger,
+  fetchFundLedger,
+  fetchOfficeProfile,
+  requestExternalTransfer,
+  requestInternalTransfer,
+  requestM2TokenLoad,
+  resolveTokenLine,
+} from '../../adapters/settlement';
+import {
+  fetchQuote,
+  fetchRoutePlan,
+  fetchExecutionPlan,
+  fetchProviderCapabilities,
+} from '../../adapters/token-aggregation';
+import { listSwaps, recordSwap, swapStats, updateSwap } from '../../store/swap-monitor';
+
+function apiKey(req: Request): string | undefined {
+  return req.header('Authorization')?.replace(/^Bearer\s+/i, '') || req.header('X-API-Key') || undefined;
+}
+
+function requireKey(req: Request, res: Response): boolean {
+  const cfg = loadExchangeConfig();
+  if (!cfg.production.requireApiKey) return true;
+  const key = apiKey(req);
+  if (key && key === process.env.OMNL_API_KEY) return true;
+  res.status(401).json({ error: 'Unauthorized' });
+  return false;
+}
+
+export function createExchangeRouter(): Router {
+  const router = Router();
+  const cfg = loadExchangeConfig();
+
+  router.get('/health', (_req, res) => {
+    res.json({
+      service: 'dbis-exchange',
+      brand: cfg.brandName,
+      chainId: cfg.chainId,
+      officeId: cfg.officeId,
+      settlementOffice: cfg.settlementOfficeExternalId,
+      tokenAggregation: tokenAggUrl(),
+      settlementMiddleware: settlementUrl(),
+      status: 'ok',
+    });
+  });
+
+  router.get('/tokens', (_req, res) => {
+    const tokens = loadExchangeTokens();
+    res.json({
+      chainId: cfg.chainId,
+      tokens,
+      count: tokens.length,
+      moneyLayer: 'M2',
+      routers: cfg.routers,
+    });
+  });
+
+  router.get('/tokens/capabilities', (_req, res) => {
+    const registry = loadM2TokenRegistry();
+    res.json(registry);
+  });
+
+  router.get('/providers', async (_req, res) => {
+    try {
+      res.json(await fetchProviderCapabilities(cfg.chainId));
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/quote', async (req, res) => {
+    try {
+      const tokenIn = String(req.query.tokenIn || '');
+      const tokenOut = String(req.query.tokenOut || '');
+      const amountIn = String(req.query.amountIn || '');
+      if (!tokenIn || !tokenOut || !amountIn) {
+        res.status(400).json({ error: 'tokenIn, tokenOut, amountIn required' });
+        return;
+      }
+      const quote = await fetchQuote({
+        chainId: cfg.chainId,
+        tokenIn,
+        tokenOut,
+        amountIn,
+      });
+      if (cfg.production.monitorSwaps) {
+        recordSwap({
+          officeId: cfg.officeId,
+          chainId: cfg.chainId,
+          tokenIn,
+          tokenOut,
+          amountIn,
+          amountOut: quote.amountOut ?? quote.expectedOutput,
+          status: 'QUOTED',
+        });
+      }
+      res.json(quote);
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/plan', async (req, res) => {
+    try {
+      const { tokenIn, tokenOut, amountIn, recipient, maxSlippageBps } = req.body as Record<string, unknown>;
+      if (!tokenIn || !tokenOut || !amountIn) {
+        res.status(400).json({ error: 'tokenIn, tokenOut, amountIn required' });
+        return;
+      }
+      const plan = await fetchRoutePlan({
+        sourceChainId: cfg.chainId,
+        destinationChainId: cfg.chainId,
+        tokenIn: String(tokenIn),
+        tokenOut: String(tokenOut),
+        amountIn: String(amountIn),
+        recipient: recipient ? String(recipient) : undefined,
+        maxSlippageBps: maxSlippageBps ? Number(maxSlippageBps) : cfg.defaultSlippageBps,
+      });
+      res.json(plan);
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/execute-plan', async (req, res) => {
+    try {
+      const { tokenIn, tokenOut, amountIn, recipient, maxSlippageBps } = req.body as Record<string, unknown>;
+      if (!tokenIn || !tokenOut || !amountIn || !recipient) {
+        res.status(400).json({ error: 'tokenIn, tokenOut, amountIn, recipient required' });
+        return;
+      }
+      const plan = await fetchExecutionPlan({
+        sourceChainId: cfg.chainId,
+        destinationChainId: cfg.chainId,
+        tokenIn: String(tokenIn),
+        tokenOut: String(tokenOut),
+        amountIn: String(amountIn),
+        recipient: String(recipient),
+        maxSlippageBps: maxSlippageBps ? Number(maxSlippageBps) : cfg.defaultSlippageBps,
+      });
+      res.json(plan);
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/ledgers', async (req, res) => {
+    try {
+      const wallet = req.query.wallet ? String(req.query.wallet) : undefined;
+      const serverKey = process.env.OMNL_API_KEY;
+      const rpc =
+        process.env.RPC_URL_138_PUBLIC ||
+        process.env.RPC_URL_138 ||
+        'https://rpc-http-pub.d-bis.org';
+      let fund = null;
+      let office = null;
+      if (serverKey) {
+        [fund, office] = await Promise.all([
+          fetchFundLedger(cfg.officeId, serverKey),
+          fetchOfficeProfile(),
+        ]);
+      }
+      let crypto;
+      if (wallet) {
+        crypto = await fetchCryptoLedger(rpc, wallet, loadExchangeTokens());
+      }
+      res.json({
+        officeId: cfg.officeId,
+        office,
+        fundLedger: fund?.fundLedger ?? null,
+        cryptoLedger: crypto ?? null,
+        asOf: new Date().toISOString(),
+      });
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/swap/monitor', (_req, res) => {
+    res.json({ stats: swapStats(), swaps: listSwaps(Number(_req.query.limit ?? 50)) });
+  });
+
+  router.post('/swap/record', (req, res) => {
+    const body = req.body as Record<string, unknown>;
+    const rec = recordSwap({
+      officeId: cfg.officeId,
+      chainId: cfg.chainId,
+      tokenIn: String(body.tokenIn ?? ''),
+      tokenOut: String(body.tokenOut ?? ''),
+      amountIn: String(body.amountIn ?? ''),
+      amountOut: body.amountOut ? String(body.amountOut) : undefined,
+      txHash: body.txHash ? String(body.txHash) : undefined,
+      wallet: body.wallet ? String(body.wallet) : undefined,
+      routeProviders: Array.isArray(body.routeProviders)
+        ? body.routeProviders.map(String)
+        : undefined,
+      status: (body.status as 'SUBMITTED' | 'CONFIRMED' | 'FAILED') ?? 'SUBMITTED',
+      settlementRef: body.settlementRef ? String(body.settlementRef) : undefined,
+    });
+    res.json(rec);
+  });
+
+  router.patch('/swap/record/:id', (req, res) => {
+    const updated = updateSwap(req.params.id, req.body as Record<string, unknown>);
+    if (!updated) {
+      res.status(404).json({ error: 'Not found' });
+      return;
+    }
+    res.json(updated);
+  });
+
+  router.post('/swap/settle', async (req, res) => {
+    if (!requireKey(req, res)) return;
+    if (!cfg.production.postSwapSettlementAudit) {
+      res.status(403).json({ error: 'postSwapSettlementAudit disabled' });
+      return;
+    }
+    try {
+      const { swapId, amount, recipientAddress, currency, tokenLineId, tokenSymbol } =
+        req.body as Record<string, unknown>;
+      const tokens = loadExchangeTokens();
+      const token = tokens.find((t) => t.symbol === tokenSymbol);
+      const lineId = tokenLineId
+        ? String(tokenLineId)
+        : token
+          ? resolveTokenLine(token)
+          : `${String(currency ?? 'USD')}-M2`;
+      const audit = await auditSwapToSettlement({
+        idempotencyKey: `SWAP-${String(swapId ?? Date.now())}`,
+        amount: String(amount ?? '0'),
+        currency: String(currency ?? 'USD'),
+        recipientAddress: String(recipientAddress ?? ''),
+        remittanceInfo: `DBIS Exchange M2 swap settlement Office ${cfg.officeId}`,
+        tokenLineId: lineId,
+        apiKey: apiKey(req),
+      });
+      if (swapId) updateSwap(String(swapId), { settlementRef: audit.settlementId, status: 'CONFIRMED' });
+      res.json(audit);
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/token-load', async (req, res) => {
+    if (!requireKey(req, res)) return;
+    try {
+      const body = req.body as Record<string, unknown>;
+      const tokens = loadExchangeTokens();
+      const addr = String(body.tokenAddress ?? '');
+      const token = tokens.find((t) => t.address.toLowerCase() === addr.toLowerCase());
+      const result = await requestM2TokenLoad({
+        idempotencyKey: String(body.idempotencyKey ?? `LOAD-${Date.now()}`),
+        lineId: String(body.lineId ?? token?.omnlLine ?? 'USD-M2'),
+        symbol: String(body.symbol ?? token?.symbol ?? ''),
+        tokenAddress: addr,
+        amount: String(body.amount ?? '0'),
+        recipientAddress: String(body.recipientAddress ?? ''),
+        currency: String(body.currency ?? token?.currencyCode ?? 'USD'),
+        apiKey: apiKey(req) ?? process.env.OMNL_API_KEY,
+      });
+      res.status(result.phase === 'FAILED' ? 422 : 200).json(result);
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/transfer/internal', async (req, res) => {
+    if (!requireKey(req, res)) return;
+    try {
+      const body = req.body as Record<string, unknown>;
+      const result = await requestInternalTransfer({
+        idempotencyKey: String(body.idempotencyKey ?? `XFER-INT-${Date.now()}`),
+        tokenAddress: String(body.tokenAddress ?? ''),
+        tokenSymbol: String(body.tokenSymbol ?? ''),
+        amount: String(body.amount ?? '0'),
+        recipientAddress: String(body.recipientAddress ?? ''),
+        senderAddress: body.senderAddress ? String(body.senderAddress) : undefined,
+        apiKey: apiKey(req) ?? process.env.OMNL_API_KEY,
+      });
+      res.status(result.phase === 'FAILED' ? 422 : 200).json(result);
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/transfer/external', async (req, res) => {
+    if (!requireKey(req, res)) return;
+    try {
+      const body = req.body as Record<string, unknown>;
+      const result = await requestExternalTransfer({
+        idempotencyKey: String(body.idempotencyKey ?? `XFER-EXT-${Date.now()}`),
+        tokenAddress: String(body.tokenAddress ?? ''),
+        tokenSymbol: String(body.tokenSymbol ?? ''),
+        amount: String(body.amount ?? '0'),
+        recipientAddress: String(body.recipientAddress ?? ''),
+        creditorIban: String(body.creditorIban ?? ''),
+        beneficiaryName: body.beneficiaryName ? String(body.beneficiaryName) : undefined,
+        currency: body.currency ? String(body.currency) : undefined,
+        remittanceInfo: body.remittanceInfo ? String(body.remittanceInfo) : undefined,
+        apiKey: apiKey(req) ?? process.env.OMNL_API_KEY,
+      });
+      res.status(result.phase === 'FAILED' ? 422 : 200).json(result);
+    } catch (e) {
+      res.status(502).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  return router;
+}
+
+export { exchangePort };
--- a/services/dbis-exchange/src/config.ts
+++ b/services/dbis-exchange/src/config.ts
@@ -0,0 +1,75 @@
+import fs from 'fs';
+
+import path from 'path';
+
+import {
+
+  mergeExchangeTokensWithM2Registry,
+
+  type M2TokenCapabilities,
+
+  type M2TokenRegistryFile,
+
+} from '@dbis/settlement-core';
+
+
+
+export type ExchangeConfig = {
+
+  version: string;
+
+  chainId: number;
+
+  brandName: string;
+
+  officeId: number;
+
+  settlementOfficeExternalId: string;
+
+  routers: Record<string, string>;
+
+  factory: Record<string, string>;
+
+  tokens: {
+
+    symbol: string;
+
+    name: string;
+
+    address: string;
+
+    decimals: number;
+
+    native?: boolean;
+
+    omnlLine?: string;
+
+    moneyLayer?: string;
+
+    swappable?: boolean;
+
+    convertible?: boolean;
+
+    transferableInternal?: boolean;
+
+    transferableExternal?: boolean;
+
+  }[];
+
+  defaultSlippageBps: number;
+
+  production: {
+
+    requireApiKey: boolean;
+
+    monitorSwaps: boolean;
+
+    postSwapSettlementAudit: boolean;
+
+  };
+
+};
+
+
+
+let cached: ExchangeConfig | null = null;
--- a/services/dbis-exchange/src/index.ts
+++ b/services/dbis-exchange/src/index.ts
@@ -0,0 +1,10 @@
+import * as dotenv from 'dotenv';
+import path from 'path';
+import { existsSync } from 'fs';
+import { startServer } from './server';
+
+const rootEnv = path.resolve(__dirname, '../../../.env');
+if (existsSync(rootEnv)) dotenv.config({ path: rootEnv });
+dotenv.config();
+
+startServer();
--- a/services/dbis-exchange/src/server.ts
+++ b/services/dbis-exchange/src/server.ts
@@ -0,0 +1,14 @@
+import express from 'express';
+import cors from 'cors';
+import { createExchangeRouter, exchangePort } from './api/routes/exchange';
+
+export function startServer(): void {
+  const app = express();
+  app.use(cors());
+  app.use(express.json());
+  app.use('/api/v1/exchange', createExchangeRouter());
+  const p = exchangePort();
+  app.listen(p, () => {
+    console.log(`DBIS Exchange (Pancake-style) on http://localhost:${p}/api/v1/exchange`);
+  });
+}
--- a/services/dbis-exchange/src/store/swap-monitor.ts
+++ b/services/dbis-exchange/src/store/swap-monitor.ts
@@ -0,0 +1,65 @@
+import fs from 'fs';
+import path from 'path';
+import { v4 as uuidv4 } from 'uuid';
+
+export type SwapMonitorRecord = {
+  id: string;
+  officeId: number;
+  chainId: number;
+  tokenIn: string;
+  tokenOut: string;
+  amountIn: string;
+  amountOut?: string;
+  txHash?: string;
+  wallet?: string;
+  routeProviders?: string[];
+  status: 'QUOTED' | 'SUBMITTED' | 'CONFIRMED' | 'FAILED';
+  settlementRef?: string;
+  createdAt: string;
+  updatedAt: string;
+};
+
+const base =
+  process.env.DBIS_SWAP_MONITOR_DIR ||
+  path.resolve(__dirname, '../../../data/dbis-exchange/swap-monitor');
+
+function dir(): string {
+  if (!fs.existsSync(base)) fs.mkdirSync(base, { recursive: true });
+  return base;
+}
+
+export function recordSwap(entry: Omit<SwapMonitorRecord, 'id' | 'createdAt' | 'updatedAt'>): SwapMonitorRecord {
+  const now = new Date().toISOString();
+  const rec: SwapMonitorRecord = { id: uuidv4(), createdAt: now, updatedAt: now, ...entry };
+  fs.writeFileSync(path.join(dir(), `${rec.id}.json`), JSON.stringify(rec, null, 2));
+  return rec;
+}
+
+export function updateSwap(id: string, patch: Partial<SwapMonitorRecord>): SwapMonitorRecord | null {
+  const p = path.join(dir(), `${id}.json`);
+  if (!fs.existsSync(p)) return null;
+  const rec = JSON.parse(fs.readFileSync(p, 'utf8')) as SwapMonitorRecord;
+  const updated = { ...rec, ...patch, updatedAt: new Date().toISOString() };
+  fs.writeFileSync(p, JSON.stringify(updated, null, 2));
+  return updated;
+}
+
+export function listSwaps(limit = 100): SwapMonitorRecord[] {
+  return fs
+    .readdirSync(dir())
+    .filter((f) => f.endsWith('.json'))
+    .slice(0, limit)
+    .map((f) => JSON.parse(fs.readFileSync(path.join(dir(), f), 'utf8')) as SwapMonitorRecord)
+    .sort((a, b) => b.createdAt.localeCompare(a.createdAt));
+}
+
+export function swapStats(): { total: number; confirmed: number; failed: number; last24h: number } {
+  const all = listSwaps(5000);
+  const dayAgo = Date.now() - 86400000;
+  return {
+    total: all.length,
+    confirmed: all.filter((s) => s.status === 'CONFIRMED').length,
+    failed: all.filter((s) => s.status === 'FAILED').length,
+    last24h: all.filter((s) => new Date(s.createdAt).getTime() > dayAgo).length,
+  };
+}
--- a/services/dbis-exchange/tsconfig.json
+++ b/services/dbis-exchange/tsconfig.json
@@ -0,0 +1,13 @@
+{
+  "compilerOptions": {
+    "target": "ES2022",
+    "module": "commonjs",
+    "outDir": "dist",
+    "rootDir": "src",
+    "strict": true,
+    "esModuleInterop": true,
+    "skipLibCheck": true,
+    "resolveJsonModule": true
+  },
+  "include": ["src/**/*"]
+}
--- a/services/settlement-middleware/Dockerfile
+++ b/services/settlement-middleware/Dockerfile
@@ -0,0 +1,19 @@
+FROM node:20-alpine AS builder
+WORKDIR /app
+COPY package*.json ./
+COPY tsconfig.json ./
+RUN npm ci
+COPY src ./src
+RUN npm run build
+
+FROM node:20-alpine
+WORKDIR /app
+COPY package*.json ./
+RUN npm ci --omit=dev
+COPY --from=builder /app/dist ./dist
+RUN addgroup -g 1001 -S nodejs && adduser -S nodejs -u 1001
+USER nodejs
+EXPOSE 3011
+HEALTHCHECK --interval=30s --timeout=5s --retries=3 \
+  CMD node -e "require('http').get('http://localhost:3011/api/v1/settlement/health',r=>process.exit(r.statusCode===200?0:1))"
+CMD ["node", "dist/index.js"]
--- a/services/settlement-middleware/dist/adapters/fineract.js
+++ b/services/settlement-middleware/dist/adapters/fineract.js
@@ -0,0 +1,52 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.postJournalEntry = postJournalEntry;
+exports.fetchGlBalances = fetchGlBalances;
+const axios_1 = __importDefault(require("axios"));
+function authHeaders() {
+    const base = (process.env.OMNL_FINERACT_BASE_URL || '').replace(/\/$/, '');
+    const tenant = process.env.OMNL_FINERACT_TENANT || 'omnl';
+    const user = process.env.OMNL_FINERACT_USER?.trim() ||
+        process.env.OMNL_FINERACT_USERNAME?.trim() ||
+        'ali_hospitallers_tenant';
+    const pass = process.env.OMNL_FINERACT_PASSWORD || '';
+    if (!base || !pass)
+        throw new Error('Fineract credentials required');
+    const auth = Buffer.from(`${user}:${pass}`).toString('base64');
+    return {
+        Authorization: `Basic ${auth}`,
+        'Fineract-Platform-TenantId': tenant,
+        'Content-Type': 'application/json',
+    };
+}
+async function postJournalEntry(entry) {
+    const base = (process.env.OMNL_FINERACT_BASE_URL || '').replace(/\/$/, '');
+    const { data } = await axios_1.default.post(`${base}/journalentries`, entry, {
+        headers: authHeaders(),
+        timeout: 60000,
+    });
+    return { resourceId: data.resourceId ?? data.entityId ?? 0 };
+}
+async function fetchGlBalances(officeId) {
+    const base = (process.env.OMNL_FINERACT_BASE_URL || '').replace(/\/$/, '');
+    try {
+        const { data } = await axios_1.default.get(`${base}/runreports/General Ledger Report`, {
+            headers: authHeaders(),
+            params: { R_officeId: officeId, genericResultSet: false },
+            timeout: 60000,
+        });
+        const out = {};
+        const rows = Array.isArray(data) ? data : data?.data ?? [];
+        for (const row of rows) {
+            if (row.glCode)
+                out[row.glCode] = String(row.balance ?? 0);
+        }
+        return out;
+    }
+    catch {
+        return {};
+    }
+}
--- a/services/settlement-middleware/dist/adapters/hybx-production.js
+++ b/services/settlement-middleware/dist/adapters/hybx-production.js
@@ -0,0 +1,51 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.HybxProductionRail = void 0;
+const axios_1 = __importDefault(require("axios"));
+const integration_foundation_1 = require("@dbis/integration-foundation");
+/** Production HYBX rail client for real settlement dispatch */
+class HybxProductionRail {
+    baseUrl;
+    apiKey;
+    clientSecret;
+    constructor() {
+        const cfg = (0, integration_foundation_1.loadHybxConfig)({ testMode: false });
+        if (cfg.environment === 'production' && process.env.SETTLEMENT_ALLOW_HYBX_PRODUCTION !== '1') {
+            throw new Error('SETTLEMENT_ALLOW_HYBX_PRODUCTION=1 required for live HYBX rails');
+        }
+        this.baseUrl = cfg.baseUrl.replace(/\/$/, '');
+        this.apiKey = cfg.apiKey;
+        this.clientSecret = cfg.clientSecret;
+    }
+    async dispatchPayment(payload) {
+        const sidecar = process.env.HYBX_MIFOS_FINERACT_SIDECAR_URL?.replace(/\/$/, '');
+        const url = sidecar ? `${sidecar}/v1/rtgs/payments` : `${this.baseUrl}/v1/payments`;
+        const { data } = await axios_1.default.post(url, {
+            externalId: payload.idempotencyKey,
+            amount: payload.amount,
+            currency: payload.currency,
+            beneficiary: {
+                iban: payload.creditorIban,
+                bic: payload.creditorBic,
+                name: payload.beneficiaryName,
+            },
+            remittanceInformation: payload.remittanceInfo,
+            rail: payload.rail,
+        }, {
+            headers: {
+                'Content-Type': 'application/json',
+                'X-API-Key': this.apiKey,
+                Authorization: `Bearer ${this.clientSecret}`,
+            },
+            timeout: 120000,
+        });
+        return {
+            paymentId: String(data.paymentId ?? data.id ?? payload.idempotencyKey),
+            status: String(data.status ?? 'DISPATCHED'),
+        };
+    }
+}
+exports.HybxProductionRail = HybxProductionRail;
--- a/services/settlement-middleware/dist/adapters/omnl.js
+++ b/services/settlement-middleware/dist/adapters/omnl.js
@@ -0,0 +1,44 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.archiveIso20022 = archiveIso20022;
+exports.requestTokenMint = requestTokenMint;
+const axios_1 = __importDefault(require("axios"));
+async function archiveIso20022(payload) {
+    const base = (process.env.TOKEN_AGGREGATION_URL || 'http://localhost:3000').replace(/\/$/, '');
+    const key = process.env.OMNL_API_KEY || '';
+    const headers = { 'Content-Type': 'application/json' };
+    if (key)
+        headers.Authorization = `Bearer ${key}`;
+    const { data } = await axios_1.default.post(`${base}/api/v1/omnl/iso20022/messages`, {
+        messageType: payload.messageType,
+        direction: payload.direction,
+        payload: payload.raw,
+        metadata: { settlementRef: payload.settlementRef },
+    }, { headers, timeout: 60000 });
+    return { messageId: String(data.messageId ?? data.id ?? payload.settlementRef) };
+}
+async function requestTokenMint(payload) {
+    const base = (process.env.TOKEN_AGGREGATION_URL || 'http://localhost:3000').replace(/\/$/, '');
+    const key = process.env.OMNL_API_KEY || '';
+    const headers = { 'Content-Type': 'application/json' };
+    if (key)
+        headers.Authorization = `Bearer ${key}`;
+    try {
+        const { data } = await axios_1.default.post(`${base}/api/v1/omnl/settlement/token-load`, payload, { headers, timeout: 120000 });
+        return {
+            txHash: data.txHash,
+            status: String(data.status ?? (payload.dryRun ? 'DRY_RUN' : 'SUBMITTED')),
+        };
+    }
+    catch (err) {
+        if (axios_1.default.isAxiosError(err) && err.response?.status === 404) {
+            return {
+                status: payload.dryRun ? 'DRY_RUN' : 'PENDING_CHAIN_ENDPOINT',
+            };
+        }
+        throw err;
+    }
+}
--- a/services/settlement-middleware/dist/adapters/swift.js
+++ b/services/settlement-middleware/dist/adapters/swift.js
@@ -0,0 +1,42 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.forwardSwiftToListener = forwardSwiftToListener;
+exports.buildMt103Stub = buildMt103Stub;
+exports.buildMt102Stub = buildMt102Stub;
+const axios_1 = __importDefault(require("axios"));
+async function forwardSwiftToListener(raw) {
+    const url = (process.env.SWIFT_LISTENER_URL || 'http://192.168.11.114:8788').replace(/\/$/, '');
+    const token = process.env.SWIFT_LISTENER_WEBHOOK_TOKEN || '';
+    const headers = { 'Content-Type': 'text/plain' };
+    if (token)
+        headers.Authorization = `Bearer ${token}`;
+    await axios_1.default.post(`${url}/inbound`, raw, { headers, timeout: 60000 });
+    return { accepted: true };
+}
+function buildMt103Stub(fields) {
+    const bicLine = fields.bic ? `:57A:${fields.bic}\n` : '';
+    return `{1:F01OMNLUS33XXXX0000000000}{2:I103BANKUS33XXXXN}{4:
+:20:${fields.senderRef}
+:23B:CRED
+:32A:${fields.valueDate.replace(/-/g, '').slice(2)}${fields.currency}${fields.amount.replace('.', ',')}
+:50K:${fields.orderingCustomer}
+:59:/${fields.iban}
+${fields.beneficiary}
+${bicLine}:70:${fields.remittance}
+:71A:OUR
+-}`;
+}
+function buildMt102Stub(fields) {
+    return `{1:F01OMNLUS33XXXX0000000000}{2:I102BANKUS33XXXXN}{4:
+:20:${fields.senderRef}
+:21:NONREF
+:32B:${fields.currency}${fields.amount.replace('.', ',')}
+:50A:${fields.orderingInstitution}
+:59:/${fields.iban}
+${fields.beneficiary}
+:70:${fields.remittance}
+-}`;
+}
--- a/services/settlement-middleware/dist/api/routes/settlement.js
+++ b/services/settlement-middleware/dist/api/routes/settlement.js
@@ -0,0 +1,276 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.createSettlementRouter = createSettlementRouter;
+const express_1 = require("express");
+const settlement_core_1 = require("@dbis/settlement-core");
+const config_1 = require("../../config");
+const external_transfer_1 = require("../../workflows/external-transfer");
+const token_load_1 = require("../../workflows/token-load");
+const transfer_1 = require("../../workflows/transfer");
+const office_scope_1 = require("../../workflows/office-scope");
+const settlement_store_1 = require("../../store/settlement-store");
+const swift_inbound_1 = require("../../workflows/swift-inbound");
+function requireApiKey(req, res) {
+    const cfg = (0, config_1.loadConfig)();
+    if (!cfg.production.requireApiKey)
+        return true;
+    const key = req.header('Authorization')?.replace(/^Bearer\s+/i, '') || req.header('X-API-Key');
+    if (key && key === process.env.OMNL_API_KEY)
+        return true;
+    res.status(401).json({ error: 'Unauthorized' });
+    return false;
+}
+function createSettlementRouter() {
+    const router = (0, express_1.Router)();
+    const officeId = (0, config_1.settlementOfficeId)();
+    const profile = (0, config_1.loadOfficeProfile)();
+    router.get('/health', (_req, res) => {
+        let chainStats = { total: 0, active: 0 };
+        try {
+            const reg = (0, settlement_core_1.loadOmnlChainRegistry)();
+            chainStats = { total: reg.chains.length, active: (0, settlement_core_1.getActiveChains)().length };
+        }
+        catch {
+            /* optional */
+        }
+        res.json({
+            service: 'omnl-settlement-middleware',
+            status: 'ok',
+            mode: process.env.SETTLEMENT_MIDDLEWARE_CONFIG?.includes('production') ? 'production' : 'standard',
+            role: 'OMNL central-bank settlement orchestration',
+            chainSupport: { max: 128, ...chainStats },
+            settlementOffice: {
+                officeId: profile.officeId,
+                externalId: profile.externalId,
+                name: profile.name,
+            },
+            enforceSingleOffice: (0, config_1.loadConfig)().enforceSingleOffice ?? false,
+        });
+    });
+    router.get('/office', (_req, res) => {
+        res.json({
+            ...profile,
+            locked: true,
+            storePath: `data/settlement-store/office-${officeId}`,
+        });
+    });
+    router.get('/money-supply', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        try {
+            res.json(await (0, external_transfer_1.getMoneySupply)(officeId));
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/money-supply/:officeIdParam', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        try {
+            const requested = parseInt(req.params.officeIdParam, 10);
+            res.json(await (0, external_transfer_1.getMoneySupply)((0, config_1.settlementOfficeId)(requested)));
+        }
+        catch (e) {
+            res.status(400).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/settlements', (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        res.json({
+            officeId,
+            items: settlement_store_1.settlementStore.list(Number(req.query.limit ?? 50)),
+        });
+    });
+    router.get('/settlements/:id', (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        const rec = (0, external_transfer_1.getSettlementStatus)(req.params.id);
+        if (!rec) {
+            res.status(404).json({ error: 'Not found' });
+            return;
+        }
+        res.json(rec);
+    });
+    router.post('/external-transfer', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        try {
+            const merged = (0, office_scope_1.bindOffice24)(req.body);
+            const record = await (0, external_transfer_1.processExternalTransfer)(merged);
+            res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+        }
+        catch (e) {
+            res.status(e instanceof Error && e.message.includes('locked') ? 403 : 500).json({
+                error: e instanceof Error ? e.message : String(e),
+            });
+        }
+    });
+    router.post('/swift/inbound', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        try {
+            const raw = typeof req.body === 'string' ? req.body : req.body?.raw;
+            if (!raw) {
+                res.status(400).json({ error: 'raw SWIFT payload required' });
+                return;
+            }
+            const record = await (0, swift_inbound_1.processSwiftInbound)(String(raw));
+            res.json(record);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/trade-finance/:instrument', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        const instrument = req.params.instrument.toUpperCase();
+        if (!['SBLC', 'DLC', 'BG', 'LS'].includes(instrument)) {
+            res.status(400).json({ error: 'Invalid instrument' });
+            return;
+        }
+        try {
+            const body = req.body;
+            const merged = (0, office_scope_1.bindOffice24)({
+                ...body,
+                tradeFinance: {
+                    instrument,
+                    reference: body.tradeFinance?.reference ?? body.idempotencyKey,
+                    expiryDate: body.tradeFinance?.expiryDate,
+                },
+                rail: 'SWIFT',
+                moneyLayers: body.moneyLayers ?? ['M1', 'M2'],
+            });
+            const record = await (0, external_transfer_1.processExternalTransfer)(merged);
+            res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/convert/fiat-to-crypto', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        try {
+            const body = req.body;
+            const merged = (0, office_scope_1.bindOffice24)({
+                ...body,
+                rail: body.rail ?? 'INTERNAL',
+                convertToCrypto: {
+                    enabled: true,
+                    targetChainId: body.convertToCrypto?.targetChainId ?? 138,
+                    tokenLineId: body.convertToCrypto?.tokenLineId ?? `${body.currency ?? 'USD'}-M2`,
+                    recipientAddress: body.convertToCrypto?.recipientAddress ?? '',
+                },
+                moneyLayers: ['M2'],
+            });
+            const record = await (0, external_transfer_1.processExternalTransfer)(merged);
+            res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/token-load', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        try {
+            const body = req.body;
+            if (!body.idempotencyKey || !body.lineId || !body.amount || !body.recipientAddress) {
+                res.status(400).json({ error: 'idempotencyKey, lineId, amount, recipientAddress required' });
+                return;
+            }
+            const record = await (0, token_load_1.processTokenLoad)({
+                ...body,
+                officeId: (0, config_1.settlementOfficeId)(body.officeId),
+            });
+            res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/transfer/internal', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        try {
+            const body = req.body;
+            if (!body.idempotencyKey || !body.tokenAddress || !body.amount || !body.recipientAddress) {
+                res.status(400).json({ error: 'idempotencyKey, tokenAddress, amount, recipientAddress required' });
+                return;
+            }
+            const record = await (0, transfer_1.processTransfer)({
+                ...body,
+                officeId: (0, config_1.settlementOfficeId)(body.officeId),
+                rail: 'INTERNAL',
+                moneyLayers: body.moneyLayers ?? ['M2'],
+            });
+            res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.post('/transfer/external', async (req, res) => {
+        if (!requireApiKey(req, res))
+            return;
+        try {
+            const body = req.body;
+            if (!body.creditorIban) {
+                res.status(400).json({ error: 'creditorIban required for external transfer' });
+                return;
+            }
+            const record = await (0, transfer_1.processTransfer)({
+                ...body,
+                officeId: (0, config_1.settlementOfficeId)(body.officeId),
+                rail: body.rail === 'RTGS' ? 'RTGS' : 'SWIFT',
+                moneyLayers: body.moneyLayers ?? ['M2'],
+            });
+            res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/tokens/m2', (_req, res) => {
+        try {
+            const fs = require('fs');
+            const path = require('path');
+            const p = process.env.OMNL_M2_TOKEN_REGISTRY ||
+                path.resolve(__dirname, '../../../../../config/omnl-m2-token-registry.v1.json');
+            const registry = JSON.parse(fs.readFileSync(p, 'utf8'));
+            res.json(registry);
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/chains', (_req, res) => {
+        try {
+            const registry = (0, settlement_core_1.loadOmnlChainRegistry)();
+            res.json({
+                brand: registry.brand,
+                maxCapacity: registry.maxCapacity,
+                primaryChainId: registry.primaryChainId,
+                mirrorChainId: registry.mirrorChainId,
+                settlementOfficeId: registry.settlementOfficeId,
+                stats: registry.stats,
+                chains: registry.chains,
+            });
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    router.get('/chains/active', (_req, res) => {
+        try {
+            res.json({ count: (0, settlement_core_1.getActiveChains)().length, chains: (0, settlement_core_1.getActiveChains)() });
+        }
+        catch (e) {
+            res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+        }
+    });
+    return router;
+}
--- a/services/settlement-middleware/dist/config.js
+++ b/services/settlement-middleware/dist/config.js
@@ -0,0 +1,57 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.loadConfig = loadConfig;
+exports.loadOfficeProfile = loadOfficeProfile;
+exports.settlementOfficeId = settlementOfficeId;
+exports.port = port;
+exports.settlementStoreSubdir = settlementStoreSubdir;
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+let cached = null;
+let cachedOffice = null;
+function repoConfigPath(relative) {
+    return path_1.default.resolve(__dirname, '../../../', relative.replace(/^\//, ''));
+}
+function loadConfig() {
+    if (cached)
+        return cached;
+    const configPath = process.env.SETTLEMENT_MIDDLEWARE_CONFIG ||
+        repoConfigPath('config/settlement-middleware.v1.json');
+    cached = JSON.parse(fs_1.default.readFileSync(configPath, 'utf8'));
+    return cached;
+}
+function loadOfficeProfile() {
+    if (cachedOffice)
+        return cachedOffice;
+    const cfg = loadConfig();
+    const profileRel = cfg.settlementOffice?.profilePath ?? 'config/offices/office-24-settlement.v1.json';
+    const profilePath = process.env.OMNL_OFFICE_SETTLEMENT_PROFILE || repoConfigPath(profileRel);
+    cachedOffice = JSON.parse(fs_1.default.readFileSync(profilePath, 'utf8'));
+    return cachedOffice;
+}
+/** All settlement runs behind Office 24 (Ali HOSPITALLERS). */
+function settlementOfficeId(requested) {
+    const cfg = loadConfig();
+    const profile = loadOfficeProfile();
+    const locked = cfg.settlementOffice?.officeId ?? profile.officeId ?? cfg.defaultOfficeId;
+    const fromEnv = parseInt(process.env.ALI_HOSPITALLERS_OFFICE_ID ||
+        process.env.OMNL_SETTLEMENT_OFFICE_ID ||
+        String(locked), 10);
+    const officeId = fromEnv || locked;
+    if (cfg.enforceSingleOffice && requested !== undefined && requested !== officeId) {
+        throw new Error(`Settlement is locked to office ${officeId}; requested ${requested}`);
+    }
+    if (cfg.enforceSingleOffice && officeId !== locked) {
+        throw new Error(`Settlement is locked to office ${locked}; env specifies ${officeId}`);
+    }
+    return officeId;
+}
+function port() {
+    return parseInt(process.env.SETTLEMENT_MIDDLEWARE_PORT || '3011', 10);
+}
+function settlementStoreSubdir() {
+    return `office-${settlementOfficeId()}`;
+}
--- a/services/settlement-middleware/dist/index.js
+++ b/services/settlement-middleware/dist/index.js
@@ -0,0 +1,47 @@
+"use strict";
+var __createBinding = (this && this.__createBinding) || (Object.create ? (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    var desc = Object.getOwnPropertyDescriptor(m, k);
+    if (!desc || ("get" in desc ? !m.__esModule : desc.writable || desc.configurable)) {
+      desc = { enumerable: true, get: function() { return m[k]; } };
+    }
+    Object.defineProperty(o, k2, desc);
+}) : (function(o, m, k, k2) {
+    if (k2 === undefined) k2 = k;
+    o[k2] = m[k];
+}));
+var __setModuleDefault = (this && this.__setModuleDefault) || (Object.create ? (function(o, v) {
+    Object.defineProperty(o, "default", { enumerable: true, value: v });
+}) : function(o, v) {
+    o["default"] = v;
+});
+var __importStar = (this && this.__importStar) || (function () {
+    var ownKeys = function(o) {
+        ownKeys = Object.getOwnPropertyNames || function (o) {
+            var ar = [];
+            for (var k in o) if (Object.prototype.hasOwnProperty.call(o, k)) ar[ar.length] = k;
+            return ar;
+        };
+        return ownKeys(o);
+    };
+    return function (mod) {
+        if (mod && mod.__esModule) return mod;
+        var result = {};
+        if (mod != null) for (var k = ownKeys(mod), i = 0; i < k.length; i++) if (k[i] !== "default") __createBinding(result, mod, k[i]);
+        __setModuleDefault(result, mod);
+        return result;
+    };
+})();
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+const dotenv = __importStar(require("dotenv"));
+const path_1 = __importDefault(require("path"));
+const fs_1 = require("fs");
+const server_1 = require("./server");
+const rootEnv = path_1.default.resolve(__dirname, '../../../.env');
+if ((0, fs_1.existsSync)(rootEnv))
+    dotenv.config({ path: rootEnv });
+dotenv.config();
+(0, server_1.startServer)();
--- a/services/settlement-middleware/dist/server.js
+++ b/services/settlement-middleware/dist/server.js
@@ -0,0 +1,26 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.createApp = createApp;
+exports.startServer = startServer;
+const express_1 = __importDefault(require("express"));
+const cors_1 = __importDefault(require("cors"));
+const settlement_1 = require("./api/routes/settlement");
+const config_1 = require("./config");
+function createApp() {
+    const app = (0, express_1.default)();
+    app.use((0, cors_1.default)());
+    app.use(express_1.default.json({ limit: '2mb' }));
+    app.use(express_1.default.text({ type: 'text/plain', limit: '2mb' }));
+    app.use('/api/v1/settlement', (0, settlement_1.createSettlementRouter)());
+    return app;
+}
+function startServer() {
+    const app = createApp();
+    const p = (0, config_1.port)();
+    app.listen(p, () => {
+        console.log(`OMNL settlement middleware listening on http://localhost:${p}/api/v1/settlement`);
+    });
+}
--- a/services/settlement-middleware/dist/store/settlement-store.js
+++ b/services/settlement-middleware/dist/store/settlement-store.js
@@ -0,0 +1,47 @@
+"use strict";
+var __importDefault = (this && this.__importDefault) || function (mod) {
+    return (mod && mod.__esModule) ? mod : { "default": mod };
+};
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.settlementStore = exports.SettlementStore = void 0;
+const fs_1 = __importDefault(require("fs"));
+const path_1 = __importDefault(require("path"));
+const config_1 = require("../config");
+const baseDir = process.env.SETTLEMENT_STORE_DIR ||
+    path_1.default.resolve(__dirname, '../../../data/settlement-store');
+function storeDir() {
+    const dir = path_1.default.join(baseDir, (0, config_1.settlementStoreSubdir)());
+    if (!fs_1.default.existsSync(dir))
+        fs_1.default.mkdirSync(dir, { recursive: true });
+    return dir;
+}
+class SettlementStore {
+    save(record) {
+        const dir = storeDir();
+        fs_1.default.writeFileSync(path_1.default.join(dir, `${record.settlementId}.json`), JSON.stringify(record, null, 2));
+        fs_1.default.writeFileSync(path_1.default.join(dir, `key-${record.idempotencyKey}.json`), record.settlementId);
+    }
+    getById(id) {
+        const p = path_1.default.join(storeDir(), `${id}.json`);
+        if (!fs_1.default.existsSync(p))
+            return null;
+        return JSON.parse(fs_1.default.readFileSync(p, 'utf8'));
+    }
+    getByIdempotencyKey(key) {
+        const ref = path_1.default.join(storeDir(), `key-${key}.json`);
+        if (!fs_1.default.existsSync(ref))
+            return null;
+        const id = fs_1.default.readFileSync(ref, 'utf8').trim();
+        return this.getById(id);
+    }
+    list(limit = 50) {
+        const dir = storeDir();
+        return fs_1.default
+            .readdirSync(dir)
+            .filter((f) => f.endsWith('.json') && !f.startsWith('key-'))
+            .slice(0, limit)
+            .map((f) => JSON.parse(fs_1.default.readFileSync(path_1.default.join(dir, f), 'utf8')));
+    }
+}
+exports.SettlementStore = SettlementStore;
+exports.settlementStore = new SettlementStore();
--- a/services/settlement-middleware/dist/workflows/external-transfer.js
+++ b/services/settlement-middleware/dist/workflows/external-transfer.js
@@ -0,0 +1,150 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.processExternalTransfer = processExternalTransfer;
+exports.getMoneySupply = getMoneySupply;
+exports.getSettlementStatus = getSettlementStatus;
+const uuid_1 = require("uuid");
+const settlement_core_1 = require("@dbis/settlement-core");
+const config_1 = require("../config");
+const fineract_1 = require("../adapters/fineract");
+const hybx_production_1 = require("../adapters/hybx-production");
+const omnl_1 = require("../adapters/omnl");
+const swift_1 = require("../adapters/swift");
+const settlement_store_1 = require("../store/settlement-store");
+function glId(code) {
+    return parseInt(code, 10);
+}
+async function processExternalTransfer(input) {
+    const cfg = (0, config_1.loadConfig)();
+    const profile = (0, config_1.loadOfficeProfile)();
+    const officeId = (0, config_1.settlementOfficeId)(input.officeId);
+    const req = { ...input, officeId };
+    const existing = settlement_store_1.settlementStore.getByIdempotencyKey(req.idempotencyKey);
+    if (existing?.phase === 'SETTLED')
+        return existing;
+    const now = new Date().toISOString();
+    let record = existing ?? {
+        settlementId: (0, uuid_1.v4)(),
+        idempotencyKey: req.idempotencyKey,
+        phase: 'RECEIVED',
+        request: req,
+        errors: [],
+        createdAt: now,
+        updatedAt: now,
+    };
+    const advance = (phase, patch = {}) => {
+        record = { ...record, phase, updatedAt: new Date().toISOString(), ...patch };
+        settlement_store_1.settlementStore.save(record);
+    };
+    try {
+        if (!(0, settlement_core_1.isIbanValid)(req.creditorIban)) {
+            throw new Error(`Invalid creditor IBAN: ${req.creditorIban}`);
+        }
+        advance('VALIDATED');
+        const verbiage = (0, settlement_core_1.rollExternalTransferVerbiage)(req);
+        advance('VERBIAGE_ROLLED', { verbiageDocument: verbiage });
+        const amount = parseFloat(req.amount) || 0;
+        const tf = req.tradeFinance;
+        const gl = tf ? (0, settlement_core_1.resolveInstrumentGl)(tf.instrument) : null;
+        const debitGl = gl?.debitGl ?? profile.settlement.glSettlement ?? cfg.moneySupply.glSettlement;
+        const creditGl = gl?.creditGl ?? profile.settlement.glM1 ?? cfg.moneySupply.glM1;
+        if (amount > 0) {
+            const je = await (0, fineract_1.postJournalEntry)({
+                officeId: req.officeId,
+                transactionDate: req.valueDate,
+                referenceNumber: req.idempotencyKey,
+                comments: verbiage.slice(0, 500),
+                debits: [{ glAccountId: glId(debitGl), amount }],
+                credits: [{ glAccountId: glId(creditGl), amount }],
+            });
+            advance('FINERACT_POSTED', { fineractJournalRef: String(je.resourceId) });
+        }
+        else {
+            advance('FINERACT_POSTED');
+        }
+        if (cfg.rails.hybx.enabled && req.rail !== 'INTERNAL') {
+            const hybx = new hybx_production_1.HybxProductionRail();
+            const pay = await hybx.dispatchPayment({
+                idempotencyKey: req.idempotencyKey,
+                amount: req.amount,
+                currency: req.currency,
+                creditorIban: req.creditorIban,
+                creditorBic: req.creditorBic,
+                beneficiaryName: req.beneficiaryName,
+                remittanceInfo: req.remittanceInfo,
+                rail: req.rail,
+            });
+            advance('HYBX_RAIL_DISPATCHED', { hybxPaymentId: pay.paymentId });
+        }
+        else {
+            advance('HYBX_RAIL_DISPATCHED');
+        }
+        const swiftKind = (0, settlement_core_1.swiftKindForRequest)(req);
+        const swiftRaw = swiftKind === 'MT102'
+            ? (0, swift_1.buildMt102Stub)({
+                senderRef: req.idempotencyKey,
+                currency: req.currency,
+                amount: req.amount,
+                valueDate: req.valueDate,
+                orderingInstitution: req.orderingName ?? cfg.omnlLegalName,
+                beneficiary: req.beneficiaryName,
+                iban: req.creditorIban,
+                remittance: req.remittanceInfo,
+            })
+            : (0, swift_1.buildMt103Stub)({
+                senderRef: req.idempotencyKey,
+                currency: req.currency,
+                amount: req.amount,
+                valueDate: req.valueDate,
+                orderingCustomer: req.orderingName ?? cfg.omnlLegalName,
+                beneficiary: req.beneficiaryName,
+                iban: req.creditorIban,
+                bic: req.creditorBic,
+                remittance: req.remittanceInfo,
+            });
+        if (cfg.rails.swift.enabled) {
+            await (0, swift_1.forwardSwiftToListener)(swiftRaw);
+        }
+        const iso = await (0, omnl_1.archiveIso20022)({
+            messageType: swiftKind === 'MT102' ? 'pacs.008' : 'pacs.008',
+            direction: 'OUTBOUND',
+            raw: swiftRaw,
+            settlementRef: record.settlementId,
+        });
+        advance('ISO20022_ARCHIVED', { iso20022MessageId: iso.messageId });
+        if (req.convertToCrypto?.enabled) {
+            const balances = await (0, fineract_1.fetchGlBalances)(req.officeId);
+            const snap = (0, settlement_core_1.buildMoneySupplySnapshot)(req.officeId, balances);
+            const { loadAmount, fullyBacked } = (0, settlement_core_1.m2FiatToTokenLoadAmount)(req.amount, snap.M2.broadMoney);
+            if (!fullyBacked) {
+                record.errors.push(`M2 backing insufficient for token load (${loadAmount}/${req.amount})`);
+            }
+            const mint = await (0, omnl_1.requestTokenMint)({
+                lineId: req.convertToCrypto.tokenLineId,
+                amount: loadAmount,
+                recipient: req.convertToCrypto.recipientAddress,
+                settlementRef: record.settlementId,
+                dryRun: !cfg.production.allowChainMintExecute,
+            });
+            advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
+        }
+        else {
+            advance('CHAIN_MINT_REQUESTED');
+        }
+        advance('SETTLED');
+        return record;
+    }
+    catch (err) {
+        const msg = err instanceof Error ? err.message : String(err);
+        record.errors.push(msg);
+        advance('FAILED');
+        return record;
+    }
+}
+async function getMoneySupply(officeId) {
+    const balances = await (0, fineract_1.fetchGlBalances)(officeId);
+    return (0, settlement_core_1.buildMoneySupplySnapshot)(officeId, balances);
+}
+function getSettlementStatus(id) {
+    return settlement_store_1.settlementStore.getById(id);
+}
--- a/services/settlement-middleware/dist/workflows/office-scope.js
+++ b/services/settlement-middleware/dist/workflows/office-scope.js
@@ -0,0 +1,32 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.bindOffice24 = bindOffice24;
+const config_1 = require("../config");
+/** Bind every settlement request to Office 24 (same profile as OMNL terminal). */
+function bindOffice24(req) {
+    const cfg = (0, config_1.loadConfig)();
+    const profile = (0, config_1.loadOfficeProfile)();
+    const officeId = (0, config_1.settlementOfficeId)(req.officeId);
+    if (!req.idempotencyKey || !req.creditorIban || !req.amount) {
+        throw new Error('idempotencyKey, creditorIban, amount required');
+    }
+    return {
+        officeId,
+        valueDate: req.valueDate ?? new Date().toISOString().slice(0, 10),
+        currency: req.currency ?? profile.settlement.defaultCurrency ?? cfg.defaultCurrency,
+        moneyLayers: (req.moneyLayers ?? profile.settlement.moneyLayers),
+        rail: req.rail ?? 'SWIFT',
+        remittanceInfo: req.remittanceInfo ?? `OMNL Office 24 settlement — ${profile.externalId}`,
+        beneficiaryName: req.beneficiaryName ?? 'Beneficiary',
+        idempotencyKey: req.idempotencyKey,
+        creditorIban: req.creditorIban,
+        amount: req.amount,
+        debtorIban: req.debtorIban,
+        creditorBic: req.creditorBic,
+        orderingName: req.orderingName ?? profile.omnlLegalName,
+        swiftMessageKind: req.swiftMessageKind,
+        tradeFinance: req.tradeFinance,
+        rwaVerbiage: req.rwaVerbiage,
+        convertToCrypto: req.convertToCrypto,
+    };
+}
--- a/services/settlement-middleware/dist/workflows/swift-inbound.js
+++ b/services/settlement-middleware/dist/workflows/swift-inbound.js
@@ -0,0 +1,46 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.processSwiftInbound = processSwiftInbound;
+const uuid_1 = require("uuid");
+const swift_1 = require("../adapters/swift");
+const config_1 = require("../config");
+const settlement_store_1 = require("../store/settlement-store");
+const external_transfer_1 = require("./external-transfer");
+/** Inbound MT103/MT102 → settlement workflow */
+async function processSwiftInbound(raw) {
+    await (0, swift_1.forwardSwiftToListener)(raw);
+    const isMt102 = /\bMT102\b|:23:/.test(raw) || /:32B:/.test(raw);
+    const refMatch = raw.match(/:20:([^\n]+)/);
+    const amtMatch = raw.match(/:32[AB]:(\d{6})([A-Z]{3})([\d,]+)/);
+    const ibanMatch = raw.match(/\/([A-Z]{2}\d{2}[A-Z0-9]+)/);
+    const bnfMatch = raw.match(/:59:[^\n]*\n([^\n:]+)/);
+    const remMatch = raw.match(/:70:([^\n]+)/);
+    const req = {
+        idempotencyKey: refMatch?.[1]?.trim() || `SWIFT-IN-${(0, uuid_1.v4)()}`,
+        officeId: (0, config_1.settlementOfficeId)(),
+        valueDate: new Date().toISOString().slice(0, 10),
+        currency: amtMatch?.[2] ?? 'USD',
+        amount: (amtMatch?.[3] ?? '0').replace(',', '.'),
+        creditorIban: ibanMatch?.[1] ?? '',
+        beneficiaryName: bnfMatch?.[1]?.trim() ?? 'Inbound beneficiary',
+        remittanceInfo: remMatch?.[1]?.trim() ?? 'Inbound SWIFT settlement',
+        moneyLayers: isMt102 ? ['M1', 'M2'] : ['M0', 'M1'],
+        rail: 'SWIFT',
+        swiftMessageKind: isMt102 ? 'MT102' : 'MT103',
+        rwaVerbiage: { assetClass: 'RWA', tokenLineId: 'USD-M1', externalTransferRoll: true },
+    };
+    if (!req.creditorIban) {
+        const stub = {
+            settlementId: (0, uuid_1.v4)(),
+            idempotencyKey: req.idempotencyKey,
+            phase: 'RECEIVED',
+            request: req,
+            errors: ['Parsed inbound SWIFT — manual IBAN review required'],
+            createdAt: new Date().toISOString(),
+            updatedAt: new Date().toISOString(),
+        };
+        settlement_store_1.settlementStore.save(stub);
+        return stub;
+    }
+    return (0, external_transfer_1.processExternalTransfer)(req);
+}
--- a/services/settlement-middleware/dist/workflows/token-load.js
+++ b/services/settlement-middleware/dist/workflows/token-load.js
@@ -0,0 +1,105 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.processTokenLoad = processTokenLoad;
+const uuid_1 = require("uuid");
+const settlement_core_1 = require("@dbis/settlement-core");
+const config_1 = require("../config");
+const fineract_1 = require("../adapters/fineract");
+const omnl_1 = require("../adapters/omnl");
+const settlement_store_1 = require("../store/settlement-store");
+function glId(code) {
+    return parseInt(code, 10);
+}
+async function processTokenLoad(input) {
+    const cfg = (0, config_1.loadConfig)();
+    const profile = (0, config_1.loadOfficeProfile)();
+    const officeId = (0, config_1.settlementOfficeId)(input.officeId);
+    const req = { ...input, officeId };
+    const existing = settlement_store_1.settlementStore.getByIdempotencyKey(req.idempotencyKey);
+    if (existing?.phase === 'SETTLED')
+        return existing;
+    const now = new Date().toISOString();
+    let record = existing ?? {
+        settlementId: (0, uuid_1.v4)(),
+        idempotencyKey: req.idempotencyKey,
+        phase: 'RECEIVED',
+        request: {
+            idempotencyKey: req.idempotencyKey,
+            officeId,
+            valueDate: now.slice(0, 10),
+            currency: req.currency ?? 'USD',
+            amount: req.amount,
+            creditorIban: 'INTERNAL-M2-TOKEN-LOAD',
+            beneficiaryName: req.recipientAddress,
+            remittanceInfo: `M2 token load ${req.lineId} → ${req.symbol ?? req.tokenAddress ?? 'token'}`,
+            moneyLayers: ['M2'],
+            rail: 'INTERNAL',
+            convertToCrypto: {
+                enabled: true,
+                targetChainId: 138,
+                tokenLineId: req.lineId,
+                recipientAddress: req.recipientAddress,
+            },
+        },
+        errors: [],
+        createdAt: now,
+        updatedAt: now,
+    };
+    const advance = (phase, patch = {}) => {
+        record = { ...record, phase, updatedAt: new Date().toISOString(), ...patch };
+        settlement_store_1.settlementStore.save(record);
+    };
+    try {
+        advance('VALIDATED');
+        advance('VERBIAGE_ROLLED', {
+            verbiageDocument: [
+                `OMNL M2 fiat-backed token load`,
+                `Office ${officeId} · line ${req.lineId}`,
+                `Amount ${req.amount} · recipient ${req.recipientAddress}`,
+                `GL ${settlement_core_1.GL_CODES.M2_BROAD} → ${settlement_core_1.GL_CODES.CRYPTO_TOKEN_LIABILITY}`,
+            ].join('\n'),
+        });
+        const balances = await (0, fineract_1.fetchGlBalances)(officeId);
+        const snap = (0, settlement_core_1.buildMoneySupplySnapshot)(officeId, balances);
+        const { loadAmount, fullyBacked } = (0, settlement_core_1.m2FiatToTokenLoadAmount)(req.amount, snap.M2.broadMoney);
+        if (!fullyBacked) {
+            record.errors.push(`M2 backing insufficient (${loadAmount}/${req.amount})`);
+            advance('FAILED');
+            return record;
+        }
+        const amount = parseFloat(loadAmount) || 0;
+        if (amount > 0) {
+            const je = await (0, fineract_1.postJournalEntry)({
+                officeId,
+                transactionDate: now.slice(0, 10),
+                referenceNumber: req.idempotencyKey,
+                comments: `M2 token load ${req.lineId}`,
+                debits: [{ glAccountId: glId(profile.settlement.glM2 ?? settlement_core_1.GL_CODES.M2_BROAD), amount }],
+                credits: [{ glAccountId: glId(settlement_core_1.GL_CODES.CRYPTO_TOKEN_LIABILITY), amount }],
+            });
+            advance('FINERACT_POSTED', { fineractJournalRef: String(je.resourceId) });
+        }
+        else {
+            advance('FINERACT_POSTED');
+        }
+        advance('HYBX_RAIL_DISPATCHED');
+        advance('ISO20022_ARCHIVED');
+        const mint = await (0, omnl_1.requestTokenMint)({
+            lineId: req.lineId,
+            amount: loadAmount,
+            recipient: req.recipientAddress,
+            settlementRef: record.settlementId,
+            dryRun: !cfg.production.allowChainMintExecute,
+            symbol: req.symbol,
+            tokenAddress: req.tokenAddress,
+        });
+        advance('CHAIN_MINT_REQUESTED', { chainTxHash: mint.txHash });
+        advance('SETTLED');
+        return record;
+    }
+    catch (err) {
+        record.errors.push(err instanceof Error ? err.message : String(err));
+        advance('FAILED');
+        return record;
+    }
+}
--- a/services/settlement-middleware/dist/workflows/transfer.js
+++ b/services/settlement-middleware/dist/workflows/transfer.js
@@ -0,0 +1,130 @@
+"use strict";
+Object.defineProperty(exports, "__esModule", { value: true });
+exports.processTransfer = processTransfer;
+const uuid_1 = require("uuid");
+const settlement_core_1 = require("@dbis/settlement-core");
+const config_1 = require("../config");
+const fineract_1 = require("../adapters/fineract");
+const hybx_production_1 = require("../adapters/hybx-production");
+const omnl_1 = require("../adapters/omnl");
+const swift_1 = require("../adapters/swift");
+const settlement_store_1 = require("../store/settlement-store");
+function glId(code) {
+    return parseInt(code, 10);
+}
+async function processTransfer(input) {
+    const cfg = (0, config_1.loadConfig)();
+    const profile = (0, config_1.loadOfficeProfile)();
+    const officeId = (0, config_1.settlementOfficeId)(input.officeId);
+    const req = { ...input, officeId };
+    const isExternal = req.rail === 'SWIFT' || req.rail === 'RTGS';
+    const existing = settlement_store_1.settlementStore.getByIdempotencyKey(req.idempotencyKey);
+    if (existing?.phase === 'SETTLED')
+        return existing;
+    const now = new Date().toISOString();
+    let record = existing ?? {
+        settlementId: (0, uuid_1.v4)(),
+        idempotencyKey: req.idempotencyKey,
+        phase: 'RECEIVED',
+        request: {
+            idempotencyKey: req.idempotencyKey,
+            officeId,
+            valueDate: now.slice(0, 10),
+            currency: req.currency ?? 'USD',
+            amount: req.amount,
+            creditorIban: req.creditorIban ?? (isExternal ? '' : 'INTERNAL-CHAIN138'),
+            beneficiaryName: req.beneficiaryName ?? req.recipientAddress,
+            remittanceInfo: req.remittanceInfo ?? `Transfer ${req.tokenSymbol} → ${req.recipientAddress}`,
+            moneyLayers: req.moneyLayers.length ? req.moneyLayers : ['M2'],
+            rail: req.rail === 'CHAIN138' ? 'CHAIN138' : req.rail === 'INTERNAL' ? 'INTERNAL' : 'SWIFT',
+        },
+        errors: [],
+        createdAt: now,
+        updatedAt: now,
+    };
+    const advance = (phase, patch = {}) => {
+        record = { ...record, phase, updatedAt: new Date().toISOString(), ...patch };
+        settlement_store_1.settlementStore.save(record);
+    };
+    try {
+        if (isExternal && !req.creditorIban) {
+            throw new Error('creditorIban required for external transfer');
+        }
+        advance('VALIDATED');
+        advance('VERBIAGE_ROLLED', {
+            verbiageDocument: [
+                `OMNL ${req.rail} transfer · ${req.tokenSymbol}`,
+                `M2 layer · ${req.amount}`,
+                `To ${req.recipientAddress}`,
+                isExternal ? `IBAN ${req.creditorIban}` : 'Internal / Chain 138',
+            ].join('\n'),
+        });
+        const amount = parseFloat(req.amount) || 0;
+        if (amount > 0) {
+            const je = await (0, fineract_1.postJournalEntry)({
+                officeId,
+                transactionDate: now.slice(0, 10),
+                referenceNumber: req.idempotencyKey,
+                comments: `${req.rail} transfer ${req.tokenSymbol}`,
+                debits: [{ glAccountId: glId(profile.settlement.glM2 ?? settlement_core_1.GL_CODES.M2_BROAD), amount }],
+                credits: [{ glAccountId: glId(profile.settlement.glSettlement ?? settlement_core_1.GL_CODES.SETTLEMENT_SUSPENSE), amount }],
+            });
+            advance('FINERACT_POSTED', { fineractJournalRef: String(je.resourceId) });
+        }
+        else {
+            advance('FINERACT_POSTED');
+        }
+        if (isExternal && cfg.rails.hybx.enabled) {
+            const hybx = new hybx_production_1.HybxProductionRail();
+            const pay = await hybx.dispatchPayment({
+                idempotencyKey: req.idempotencyKey,
+                amount: req.amount,
+                currency: req.currency ?? 'USD',
+                creditorIban: req.creditorIban,
+                beneficiaryName: req.beneficiaryName ?? req.recipientAddress,
+                remittanceInfo: req.remittanceInfo ?? `OMNL ${req.tokenSymbol} external transfer`,
+                rail: req.rail === 'RTGS' ? 'RTGS' : 'SWIFT',
+            });
+            advance('HYBX_RAIL_DISPATCHED', { hybxPaymentId: pay.paymentId });
+        }
+        else {
+            advance('HYBX_RAIL_DISPATCHED');
+        }
+        if (isExternal && cfg.rails.swift.enabled && req.creditorIban) {
+            const swiftRaw = (0, swift_1.buildMt103Stub)({
+                senderRef: req.idempotencyKey,
+                currency: req.currency ?? 'USD',
+                amount: req.amount,
+                valueDate: now.slice(0, 10),
+                orderingCustomer: cfg.omnlLegalName,
+                beneficiary: req.beneficiaryName ?? req.recipientAddress,
+                iban: req.creditorIban,
+                remittance: req.remittanceInfo ?? `OMNL ${req.tokenSymbol}`,
+            });
+            await (0, swift_1.forwardSwiftToListener)(swiftRaw);
+            const iso = await (0, omnl_1.archiveIso20022)({
+                messageType: 'pacs.008',
+                direction: 'OUTBOUND',
+                raw: swiftRaw,
+                settlementRef: record.settlementId,
+            });
+            advance('ISO20022_ARCHIVED', { iso20022MessageId: iso.messageId });
+        }
+        else {
+            advance('ISO20022_ARCHIVED');
+        }
+        advance('CHAIN_MINT_REQUESTED', {
+            verbiageDocument: [
+                record.verbiageDocument,
+                `On-chain ERC-20 transfer prepared: ${req.tokenAddress} → ${req.recipientAddress}`,
+            ].join('\n'),
+        });
+        advance('SETTLED');
+        return record;
+    }
+    catch (err) {
+        record.errors.push(err instanceof Error ? err.message : String(err));
+        advance('FAILED');
+        return record;
+    }
+}
--- a/services/settlement-middleware/package-lock.json
+++ b/services/settlement-middleware/package-lock.json
--- a/services/settlement-middleware/package.json
+++ b/services/settlement-middleware/package.json
@@ -0,0 +1,29 @@
+{
+  "name": "omnl-settlement-middleware",
+  "version": "1.0.0",
+  "description": "OMNL central-bank settlement middleware — M0/M1/M2 meta fiat, SWIFT rails, trade finance, crypto token loading",
+  "main": "dist/index.js",
+  "scripts": {
+    "build": "tsc",
+    "start": "node dist/index.js",
+    "dev": "ts-node src/index.ts",
+    "test": "node --test dist/**/*.test.js"
+  },
+  "dependencies": {
+    "@dbis/integration-foundation": "file:../../packages/integration-foundation",
+    "@dbis/settlement-core": "file:../../packages/settlement-core",
+    "axios": "^1.15.2",
+    "cors": "^2.8.6",
+    "dotenv": "^16.6.1",
+    "express": "^5.1.0",
+    "uuid": "^11.1.0"
+  },
+  "devDependencies": {
+    "@types/cors": "^2.8.19",
+    "@types/express": "^5.0.6",
+    "@types/node": "^20.19.33",
+    "@types/uuid": "^10.0.0",
+    "ts-node": "^10.9.2",
+    "typescript": "^5.9.3"
+  }
+}
--- a/services/settlement-middleware/src/adapters/fineract.ts
+++ b/services/settlement-middleware/src/adapters/fineract.ts
@@ -0,0 +1,53 @@
+import axios from 'axios';
+
+function authHeaders(): Record<string, string> {
+  const base = (process.env.OMNL_FINERACT_BASE_URL || '').replace(/\/$/, '');
+  const tenant = process.env.OMNL_FINERACT_TENANT || 'omnl';
+  const user =
+    process.env.OMNL_FINERACT_USER?.trim() ||
+    process.env.OMNL_FINERACT_USERNAME?.trim() ||
+    'ali_hospitallers_tenant';
+  const pass = process.env.OMNL_FINERACT_PASSWORD || '';
+  if (!base || !pass) throw new Error('Fineract credentials required');
+  const auth = Buffer.from(`${user}:${pass}`).toString('base64');
+  return {
+    Authorization: `Basic ${auth}`,
+    'Fineract-Platform-TenantId': tenant,
+    'Content-Type': 'application/json',
+  };
+}
+
+export async function postJournalEntry(entry: {
+  officeId: number;
+  transactionDate: string;
+  referenceNumber: string;
+  comments: string;
+  debits: { glAccountId: number; amount: number }[];
+  credits: { glAccountId: number; amount: number }[];
+}): Promise<{ resourceId: number }> {
+  const base = (process.env.OMNL_FINERACT_BASE_URL || '').replace(/\/$/, '');
+  const { data } = await axios.post(`${base}/journalentries`, entry, {
+    headers: authHeaders(),
+    timeout: 60000,
+  });
+  return { resourceId: data.resourceId ?? data.entityId ?? 0 };
+}
+
+export async function fetchGlBalances(officeId: number): Promise<Record<string, string>> {
+  const base = (process.env.OMNL_FINERACT_BASE_URL || '').replace(/\/$/, '');
+  try {
+    const { data } = await axios.get(`${base}/runreports/General Ledger Report`, {
+      headers: authHeaders(),
+      params: { R_officeId: officeId, genericResultSet: false },
+      timeout: 60000,
+    });
+    const out: Record<string, string> = {};
+    const rows = Array.isArray(data) ? data : (data as { data?: unknown[] })?.data ?? [];
+    for (const row of rows as { glCode?: string; balance?: number }[]) {
+      if (row.glCode) out[row.glCode] = String(row.balance ?? 0);
+    }
+    return out;
+  } catch {
+    return {};
+  }
+}
--- a/services/settlement-middleware/src/adapters/hybx-production.ts
+++ b/services/settlement-middleware/src/adapters/hybx-production.ts
@@ -0,0 +1,60 @@
+import axios from 'axios';
+import { loadHybxConfig } from '@dbis/integration-foundation';
+
+/** Production HYBX rail client for real settlement dispatch */
+export class HybxProductionRail {
+  private readonly baseUrl: string;
+  private readonly apiKey: string;
+  private readonly clientSecret: string;
+
+  constructor() {
+    const cfg = loadHybxConfig({ testMode: false });
+    if (cfg.environment === 'production' && process.env.SETTLEMENT_ALLOW_HYBX_PRODUCTION !== '1') {
+      throw new Error('SETTLEMENT_ALLOW_HYBX_PRODUCTION=1 required for live HYBX rails');
+    }
+    this.baseUrl = cfg.baseUrl.replace(/\/$/, '');
+    this.apiKey = cfg.apiKey;
+    this.clientSecret = cfg.clientSecret;
+  }
+
+  async dispatchPayment(payload: {
+    idempotencyKey: string;
+    amount: string;
+    currency: string;
+    creditorIban: string;
+    creditorBic?: string;
+    beneficiaryName: string;
+    remittanceInfo: string;
+    rail: string;
+  }): Promise<{ paymentId: string; status: string }> {
+    const sidecar = process.env.HYBX_MIFOS_FINERACT_SIDECAR_URL?.replace(/\/$/, '');
+    const url = sidecar ? `${sidecar}/v1/rtgs/payments` : `${this.baseUrl}/v1/payments`;
+    const { data } = await axios.post(
+      url,
+      {
+        externalId: payload.idempotencyKey,
+        amount: payload.amount,
+        currency: payload.currency,
+        beneficiary: {
+          iban: payload.creditorIban,
+          bic: payload.creditorBic,
+          name: payload.beneficiaryName,
+        },
+        remittanceInformation: payload.remittanceInfo,
+        rail: payload.rail,
+      },
+      {
+        headers: {
+          'Content-Type': 'application/json',
+          'X-API-Key': this.apiKey,
+          Authorization: `Bearer ${this.clientSecret}`,
+        },
+        timeout: 120000,
+      },
+    );
+    return {
+      paymentId: String(data.paymentId ?? data.id ?? payload.idempotencyKey),
+      status: String(data.status ?? 'DISPATCHED'),
+    };
+  }
+}
--- a/services/settlement-middleware/src/adapters/omnl.ts
+++ b/services/settlement-middleware/src/adapters/omnl.ts
@@ -0,0 +1,59 @@
+import axios from 'axios';
+
+export async function archiveIso20022(payload: {
+  messageType: string;
+  direction: 'INBOUND' | 'OUTBOUND';
+  raw: string;
+  settlementRef: string;
+}): Promise<{ messageId: string }> {
+  const base = (process.env.TOKEN_AGGREGATION_URL || 'http://localhost:3000').replace(/\/$/, '');
+  const key = process.env.OMNL_API_KEY || '';
+  const headers: Record<string, string> = { 'Content-Type': 'application/json' };
+  if (key) headers.Authorization = `Bearer ${key}`;
+
+  const { data } = await axios.post(
+    `${base}/api/v1/omnl/iso20022/messages`,
+    {
+      messageType: payload.messageType,
+      direction: payload.direction,
+      payload: payload.raw,
+      metadata: { settlementRef: payload.settlementRef },
+    },
+    { headers, timeout: 60000 },
+  );
+  return { messageId: String(data.messageId ?? data.id ?? payload.settlementRef) };
+}
+
+export async function requestTokenMint(payload: {
+  lineId: string;
+  amount: string;
+  recipient: string;
+  settlementRef: string;
+  dryRun: boolean;
+  symbol?: string;
+  tokenAddress?: string;
+}): Promise<{ txHash?: string; status: string }> {
+  const base = (process.env.TOKEN_AGGREGATION_URL || 'http://localhost:3000').replace(/\/$/, '');
+  const key = process.env.OMNL_API_KEY || '';
+  const headers: Record<string, string> = { 'Content-Type': 'application/json' };
+  if (key) headers.Authorization = `Bearer ${key}`;
+
+  try {
+    const { data } = await axios.post(
+      `${base}/api/v1/omnl/settlement/token-load`,
+      payload,
+      { headers, timeout: 120000 },
+    );
+    return {
+      txHash: data.txHash,
+      status: String(data.status ?? (payload.dryRun ? 'DRY_RUN' : 'SUBMITTED')),
+    };
+  } catch (err) {
+    if (axios.isAxiosError(err) && err.response?.status === 404) {
+      return {
+        status: payload.dryRun ? 'DRY_RUN' : 'PENDING_CHAIN_ENDPOINT',
+      };
+    }
+    throw err;
+  }
+}
--- a/services/settlement-middleware/src/adapters/swift.ts
+++ b/services/settlement-middleware/src/adapters/swift.ts
@@ -0,0 +1,56 @@
+import axios from 'axios';
+
+export async function forwardSwiftToListener(raw: string): Promise<{ accepted: boolean }> {
+  const url = (process.env.SWIFT_LISTENER_URL || 'http://192.168.11.114:8788').replace(/\/$/, '');
+  const token = process.env.SWIFT_LISTENER_WEBHOOK_TOKEN || '';
+  const headers: Record<string, string> = { 'Content-Type': 'text/plain' };
+  if (token) headers.Authorization = `Bearer ${token}`;
+
+  await axios.post(`${url}/inbound`, raw, { headers, timeout: 60000 });
+  return { accepted: true };
+}
+
+export function buildMt103Stub(fields: {
+  senderRef: string;
+  currency: string;
+  amount: string;
+  valueDate: string;
+  orderingCustomer: string;
+  beneficiary: string;
+  iban: string;
+  bic?: string;
+  remittance: string;
+}): string {
+  const bicLine = fields.bic ? `:57A:${fields.bic}\n` : '';
+  return `{1:F01OMNLUS33XXXX0000000000}{2:I103BANKUS33XXXXN}{4:
+:20:${fields.senderRef}
+:23B:CRED
+:32A:${fields.valueDate.replace(/-/g, '').slice(2)}${fields.currency}${fields.amount.replace('.', ',')}
+:50K:${fields.orderingCustomer}
+:59:/${fields.iban}
+${fields.beneficiary}
+${bicLine}:70:${fields.remittance}
+:71A:OUR
+-}`;
+}
+
+export function buildMt102Stub(fields: {
+  senderRef: string;
+  currency: string;
+  amount: string;
+  valueDate: string;
+  orderingInstitution: string;
+  beneficiary: string;
+  iban: string;
+  remittance: string;
+}): string {
+  return `{1:F01OMNLUS33XXXX0000000000}{2:I102BANKUS33XXXXN}{4:
+:20:${fields.senderRef}
+:21:NONREF
+:32B:${fields.currency}${fields.amount.replace('.', ',')}
+:50A:${fields.orderingInstitution}
+:59:/${fields.iban}
+${fields.beneficiary}
+:70:${fields.remittance}
+-}`;
+}
--- a/services/settlement-middleware/src/api/routes/settlement.ts
+++ b/services/settlement-middleware/src/api/routes/settlement.ts
@@ -0,0 +1,271 @@
+import { Router, type Request, type Response } from 'express';
+import type { ExternalTransferRequest, TradeFinanceInstrument, TokenLoadRequest, TransferRequest } from '@dbis/settlement-core';
+import { loadOmnlChainRegistry, getActiveChains } from '@dbis/settlement-core';
+import { loadConfig, loadOfficeProfile, settlementOfficeId } from '../../config';
+import {
+  getMoneySupply,
+  getSettlementStatus,
+  processExternalTransfer,
+} from '../../workflows/external-transfer';
+import { processTokenLoad } from '../../workflows/token-load';
+import { processTransfer } from '../../workflows/transfer';import { bindOffice24 } from '../../workflows/office-scope';
+import { settlementStore } from '../../store/settlement-store';
+import { processSwiftInbound } from '../../workflows/swift-inbound';
+
+function requireApiKey(req: Request, res: Response): boolean {
+  const cfg = loadConfig();
+  if (!cfg.production.requireApiKey) return true;
+  const key = req.header('Authorization')?.replace(/^Bearer\s+/i, '') || req.header('X-API-Key');
+  if (key && key === process.env.OMNL_API_KEY) return true;
+  res.status(401).json({ error: 'Unauthorized' });
+  return false;
+}
+
+export function createSettlementRouter(): Router {
+  const router = Router();
+  const officeId = settlementOfficeId();
+  const profile = loadOfficeProfile();
+
+  router.get('/health', (_req, res) => {
+    let chainStats = { total: 0, active: 0 };
+    try {
+      const reg = loadOmnlChainRegistry();
+      chainStats = { total: reg.chains.length, active: getActiveChains().length };
+    } catch {
+      /* optional */
+    }
+    res.json({
+      service: 'omnl-settlement-middleware',
+      status: 'ok',
+      mode: process.env.SETTLEMENT_MIDDLEWARE_CONFIG?.includes('production') ? 'production' : 'standard',
+      role: 'OMNL central-bank settlement orchestration',
+      chainSupport: { max: 128, ...chainStats },
+      settlementOffice: {
+        officeId: profile.officeId,
+        externalId: profile.externalId,
+        name: profile.name,
+      },
+      enforceSingleOffice: loadConfig().enforceSingleOffice ?? false,
+    });
+  });
+
+  router.get('/office', (_req, res) => {
+    res.json({
+      ...profile,
+      locked: true,
+      storePath: `data/settlement-store/office-${officeId}`,
+    });
+  });
+
+  router.get('/money-supply', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      res.json(await getMoneySupply(officeId));
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/money-supply/:officeIdParam', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const requested = parseInt(req.params.officeIdParam, 10);
+      res.json(await getMoneySupply(settlementOfficeId(requested)));
+    } catch (e) {
+      res.status(400).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/settlements', (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    res.json({
+      officeId,
+      items: settlementStore.list(Number(req.query.limit ?? 50)),
+    });
+  });
+
+  router.get('/settlements/:id', (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    const rec = getSettlementStatus(req.params.id);
+    if (!rec) {
+      res.status(404).json({ error: 'Not found' });
+      return;
+    }
+    res.json(rec);
+  });
+
+  router.post('/external-transfer', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const merged = bindOffice24(req.body as ExternalTransferRequest);
+      const record = await processExternalTransfer(merged);
+      res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+    } catch (e) {
+      res.status(e instanceof Error && e.message.includes('locked') ? 403 : 500).json({
+        error: e instanceof Error ? e.message : String(e),
+      });
+    }
+  });
+
+  router.post('/swift/inbound', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const raw = typeof req.body === 'string' ? req.body : req.body?.raw;
+      if (!raw) {
+        res.status(400).json({ error: 'raw SWIFT payload required' });
+        return;
+      }
+      const record = await processSwiftInbound(String(raw));
+      res.json(record);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/trade-finance/:instrument', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    const instrument = req.params.instrument.toUpperCase() as TradeFinanceInstrument;
+    if (!['SBLC', 'DLC', 'BG', 'LS'].includes(instrument)) {
+      res.status(400).json({ error: 'Invalid instrument' });
+      return;
+    }
+    try {
+      const body = req.body as ExternalTransferRequest;
+      const merged = bindOffice24({
+        ...body,
+        tradeFinance: {
+          instrument,
+          reference: body.tradeFinance?.reference ?? body.idempotencyKey,
+          expiryDate: body.tradeFinance?.expiryDate,
+        },
+        rail: 'SWIFT',
+        moneyLayers: body.moneyLayers ?? ['M1', 'M2'],
+      });
+      const record = await processExternalTransfer(merged);
+      res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/convert/fiat-to-crypto', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const body = req.body as ExternalTransferRequest;
+      const merged = bindOffice24({
+        ...body,
+        rail: body.rail ?? 'INTERNAL',
+        convertToCrypto: {
+          enabled: true,
+          targetChainId: body.convertToCrypto?.targetChainId ?? 138,
+          tokenLineId: body.convertToCrypto?.tokenLineId ?? `${body.currency ?? 'USD'}-M2`,
+          recipientAddress: body.convertToCrypto?.recipientAddress ?? '',
+        },
+        moneyLayers: ['M2'],
+      });
+      const record = await processExternalTransfer(merged);
+      res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/token-load', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const body = req.body as TokenLoadRequest;
+      if (!body.idempotencyKey || !body.lineId || !body.amount || !body.recipientAddress) {
+        res.status(400).json({ error: 'idempotencyKey, lineId, amount, recipientAddress required' });
+        return;
+      }
+      const record = await processTokenLoad({
+        ...body,
+        officeId: settlementOfficeId(body.officeId),
+      });
+      res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/transfer/internal', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const body = req.body as TransferRequest;
+      if (!body.idempotencyKey || !body.tokenAddress || !body.amount || !body.recipientAddress) {
+        res.status(400).json({ error: 'idempotencyKey, tokenAddress, amount, recipientAddress required' });
+        return;
+      }
+      const record = await processTransfer({
+        ...body,
+        officeId: settlementOfficeId(body.officeId),
+        rail: 'INTERNAL',
+        moneyLayers: body.moneyLayers ?? ['M2'],
+      });
+      res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.post('/transfer/external', async (req, res) => {
+    if (!requireApiKey(req, res)) return;
+    try {
+      const body = req.body as TransferRequest;
+      if (!body.creditorIban) {
+        res.status(400).json({ error: 'creditorIban required for external transfer' });
+        return;
+      }
+      const record = await processTransfer({
+        ...body,
+        officeId: settlementOfficeId(body.officeId),
+        rail: body.rail === 'RTGS' ? 'RTGS' : 'SWIFT',
+        moneyLayers: body.moneyLayers ?? ['M2'],
+      });
+      res.status(record.phase === 'FAILED' ? 422 : 200).json(record);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/tokens/m2', (_req, res) => {
+    try {
+      const fs = require('fs') as typeof import('fs');
+      const path = require('path') as typeof import('path');
+      const p =
+        process.env.OMNL_M2_TOKEN_REGISTRY ||
+        path.resolve(__dirname, '../../../../../config/omnl-m2-token-registry.v1.json');
+      const registry = JSON.parse(fs.readFileSync(p, 'utf8'));
+      res.json(registry);
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/chains', (_req, res) => {
+    try {
+      const registry = loadOmnlChainRegistry();
+      res.json({
+        brand: registry.brand,
+        maxCapacity: registry.maxCapacity,
+        primaryChainId: registry.primaryChainId,
+        mirrorChainId: registry.mirrorChainId,
+        settlementOfficeId: registry.settlementOfficeId,
+        stats: registry.stats,
+        chains: registry.chains,
+      });
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  router.get('/chains/active', (_req, res) => {
+    try {
+      res.json({ count: getActiveChains().length, chains: getActiveChains() });
+    } catch (e) {
+      res.status(500).json({ error: e instanceof Error ? e.message : String(e) });
+    }
+  });
+
+  return router;
+}
--- a/Show More
+++ b/Show More