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)

Investors → Deposit USDC → Tokenization Engine → Asset Vaults → RWA Deployment  
                          ↓  
                    Liquidity Layer → Reserves/DEXs  
                          ↓  
                    Risk Engine → Rebalancing/Adjustments  
                          ↓  
                    Governance → DAO Voting

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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