Protocol Overview
Neovestor Architecture Design
A Web3 Platform for Tokenized Institutional Assets
Blockchain Layer
Foundation: Built on Solana for high throughput, low fees, and scalability.
Core Components:
SPL Token Standard: Fractional ownership of RWAs (e.g., real estate, private credit) represented as SPL tokens.
Solana Programs: On-chain logic for asset tokenization, governance, and compliance.
State Compression: Efficient storage of asset metadata (e.g., property deeds, loan terms).
Core Protocol Modules
a. Asset Tokenization Engine
Function: Converts RWAs into programmable, tradable tokens.
Components:
Asset Vaults: Isolated smart contracts holding legal rights and collateral for tokenized assets.
Dynamic Pricing Oracle: Integrates decentralized oracles (e.g., Pyth Network) for real-time NAV updates.
Compliance Wrappers: ERC-3643-like token standards for automated KYC/AML checks and jurisdictional restrictions.
b. Liquidity Management Layer
Function: Ensures seamless entry/exit for investors.
Components:
Reserve Pool: 10–15% of AUM held in USDC for instant redemptions.
Liquidity Router: Directs redemptions to reserves or secondary markets (e.g., Raydium DEX).
Staking Vaults: Investors stake tokens to earn yield while awaiting asset maturity.
c. Risk & Governance Engine
Function: Balances returns with risk mitigation.
Components:
AI Risk Model: Analyzes credit risk, market volatility, and asset correlations.
DAO Governance: Token holders vote on asset onboarding, fee changes, and protocol upgrades.
Circuit Breakers: Automatically pause withdrawals during extreme market stress.
Institutional Integration Layer
Function: Bridges traditional finance (TradFi) and DeFi.
Components:
Asset Origination Portal: Institutional partners (e.g., private equity firms) submit RWAs for tokenization.
Custody Gateway: Fireblocks/Copper integration for secure custody of physical assets (e.g., real estate deeds).
Regulatory Adapter: Automates compliance with MiCA, SEC Reg D, and FATF Travel Rule.
User Interface Layer
Function: Simplifies access for retail and institutional users.
Components:
Investor Dashboard: Track portfolio performance, yields, and liquidity reserves.
Compliance Hub: Modular KYC/AML checks (e.g., Fractal ID integration).
Secondary Marketplace: Trade tokenized RWAs on integrated DEXs (e.g., Orca, Raydium).
Security & Compliance
a. Security Stack
Smart Contract Audits: Regular audits by firms like Halborn and Ottersec.
Decentralized Insurance: Coverage for hacks or defaults via Nexus Mutual.
Multi-Sig Governance: Critical operations (e.g., treasury withdrawals) require 3/5 signer approvals.
b. Compliance Stack
Jurisdictional Filtering: Geoblocking for restricted regions.
Tax Reporting: Automated generation of IRS Form 8949 and capital gains reports.
Permissioned Pools: Accredited investor-only asset pools compliant with SEC regulations.
Cross-Chain & Interoperability
Function: Expands accessibility beyond Solana.
Components:
Wormhole Integration: Bridge tokenized RWAs to Ethereum, Polygon, etc.
LayerZero Support: Cross-chain messaging for unified liquidity and governance.
Data Flow Diagram
(Conceptual Overview)
Key Innovations vs. Traditional Platforms
Feature
Traditional Finance
Neovestor
Accessibility
High minimums ($1M+)
$100 minimums
Liquidity
Illiquid (6–12+ month exits)
Instant redemptions + secondary markets
Transparency
Opaque reporting
Real-time on-chain dashboards
Fees
2–5% management fees
0.25–0.9%
Future Roadmap
Phase 1: Launch tokenized real estate and private credit pools.
Phase 2: Integrate AI-driven risk modeling and cross-chain liquidity.
Phase 3: Partner with sovereign wealth funds for global RWA diversification.
Disclaimer: This is a conceptual overview. Features may evolve based on regulatory and market conditions.
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