Initial commit

docs/volume-vii/README.md

@@ -0,0 +1,400 @@
+# DBIS Expansion Volume VII: Global Payments Network, Multi-Asset RTGS, Sovereign Cloud, ZK-CBDC Validation, and Autonomous Regulatory Intelligence
+
+This volume defines the planetary-scale technical infrastructure for DBIS payments, sovereign cloud systems, zero-knowledge CBDC validation, and autonomous regulatory intelligence.
+
+## Overview
+
+Volume VII introduces seven major systems:
+
+1. **DBIS Global Payments Network (GPN)** - Universal payment network connecting 33 SCBs, private banks, CBDC wallets, and token networks
+2. **Multi-Asset RTGS System (M-RTGS)** - Next-generation RTGS supporting instantaneous settlement of fiat, CBDC, SSU, commodities, and securities
+3. **Sovereign Cloud Infrastructure (SCI)** - Planetary-scale sovereign cloud with isolated compute zones, replication, and SEVM
+4. **ZK-CBDC Validation Framework** - Zero-knowledge proofs for privacy-preserving compliance
+5. **Autonomous Regulatory Intelligence (ARI)** - Self-governing regulatory AI with autonomous decision-making
+6. **Cross-Border Algorithmic Settlement Optimizer (CASO)** - Optimal settlement routing path calculation
+7. **Decentralized Sovereign Compliance Nodes (DSCN)** - Distributed compliance across SCBs and private banks
+
+---
+
+## 1. DBIS Global Payments Network (GPN)
+
+### Purpose
+
+The DBIS Global Payments Network (GPN) is the universal, sovereign-grade payment network connecting:
+- 33 Sovereign Central Banks
+- Private banks
+- CBDC wallets
+- Commodity token networks
+- Security token infrastructures
+
+### Architecture
+
+**Layer 1 – Sovereign Access Layer**
+- SCB nodes authenticate via SDIP
+- Sovereign traffic segmented by identity
+
+**Layer 2 – Global Switching Layer**
+- DBIS switch routes payments using:
+  - FX cost optimization
+  - Liquidity availability
+  - SRI-based risk weighting
+
+**Layer 3 – Finality Layer**
+- Atomic settlement achieved when:
+  - SCB ledger posts
+  - DBIS Master Ledger posts
+  - Hash-lock matches
+
+### Supported Payment Types
+
+- Person → Person (rCBDC)
+- Bank → Bank (wCBDC)
+- SCB → SCB (institutional payments)
+- Commodity-backed payments (CDT → CBDC)
+- Security-linked payments
+- Cross-chain payments (multi-ledger)
+
+### Messaging Standards
+
+GPN uses:
+- PACS.008, PACS.002
+- FXMT.003
+- CBDC_TX
+- SCB_NOTIFY
+- DBIS_COMMIT
+
+All wrapped in the Sovereign Message Envelope (SME).
+
+### Implementation
+
+**Location**: `src/core/payments/gpn/`
+
+**Services**:
+- `gpn-sovereign-access.service.ts` - Layer 1 authentication
+- `gpn-switching.service.ts` - Layer 2 routing
+- `gpn-finality.service.ts` - Layer 3 finality
+- `gpn-message-handler.service.ts` - Message handling
+
+**API Routes**: `/api/v1/gpn/*`
+
+**Documentation**: [gpn.md](./gpn.md)
+
+---
+
+## 2. Multi-Asset RTGS System (M-RTGS)
+
+### Overview
+
+M-RTGS is DBIS' next-generation RTGS system supporting instantaneous settlement of:
+- Fiat
+- CBDC
+- SSU
+- Commodities
+- Tokenized securities
+
+All in a **single synchronized settlement cycle** with < 100ms target.
+
+### Core Characteristics
+
+- Settlement < 100 milliseconds
+- Multi-ledger synchronization
+- Commodity-backed clearing
+- Collateralized RTGS via MACE engine
+
+### Priority Tiers
+
+- **Tier 1:** Sovereign & systemic transactions
+- **Tier 2:** Interbank transactions
+- **Tier 3:** Retail CBDC traffic during peak hours
+
+### Queue Algorithm
+
+```
+priority = systemic_value + fx_cost_penalty + liquidity_weight + SRI_adjustment
+```
+
+### Real-Time Risk Controls
+
+M-RTGS monitors:
+- Transaction velocity
+- Liquidity congestion
+- FX slip
+- Commodity price shocks
+- CBDC abnormal routing patterns
+
+### Implementation
+
+**Location**: `src/core/settlement/m-rtgs/`
+
+**Services**:
+- `mrtgs-queue-manager.service.ts` - Queue management
+- `mrtgs-settlement.service.ts` - Settlement processing
+- `mrtgs-risk-monitor.service.ts` - Risk monitoring
+- `mrtgs-mace-integration.service.ts` - MACE integration
+
+**API Routes**: `/api/v1/m-rtgs/*`
+
+**Documentation**: [m-rtgs.md](./m-rtgs.md)
+
+---
+
+## 3. Sovereign Cloud Infrastructure (SCI)
+
+### Purpose
+
+SCI is DBIS' **planetary-scale sovereign cloud**, providing:
+- High-security compute
+- Isolated sovereign runtime environments
+- Global redundancy
+- PQC-secured compute fabric
+
+### Architecture
+
+**Sovereign Compute Zones (SCZs)**
+- One per SCB
+- Zero-trust isolation
+- PQ-HSM for key operations
+
+**Global Replication Grid (GRG)**
+- DBIS-led multi-region replication
+- Metadata hashing every 30 seconds
+
+**Sovereign EVM (SEVM)**
+- Smart contract execution for:
+  - CBDC workflows
+  - FX swaps
+  - Commodity token redemptions
+  - Settlement contracts
+
+### Security
+
+- TPM-backed nodes
+- PQ-encrypted channels (Kyber)
+- Cross-zone firewalls
+- Continuous integrity attestations
+
+### Implementation
+
+**Location**: `src/infrastructure/sovereign-cloud/`
+
+**Services**:
+- `sci-zone-manager.service.ts` - Zone management
+- `sci-replication.service.ts` - Replication
+- `sci-sevm.service.ts` - SEVM execution
+- `sci-security.service.ts` - Security features
+
+**API Routes**: `/api/v1/sci/*`
+
+**Documentation**: [sci.md](./sci.md)
+
+---
+
+## 4. ZK-CBDC Validation Framework
+
+### Purpose
+
+Zero-Knowledge CBDC Validation ensures privacy-preserving compliance by enabling:
+- Balance verification without revealing balances
+- Transaction compliance without revealing transaction history
+- ZK-enabled AML and sanctions screening
+
+### ZK Validation Modes
+
+**Mode 1 – ZK-Balance Proofs (zkBP)**
+- Proves wallet has sufficient funds without revealing amount
+
+**Mode 2 – ZK-Compliance Proofs (zkCP)**
+- Ensures:
+  - AML rules satisfied
+  - Sanctions clear
+  - Transaction within policy limits
+
+**Mode 3 – ZK-Identity Proofs (zkIP)**
+- Provides confirmation that wallet belongs to verified entity
+- Without disclosing identity attributes
+
+### Smart Contract Verification
+
+Smart contracts validate:
+```
+if zkBP && zkCP && zkIP:
+    execute_CBDC_transfer()
+```
+
+### Implementation
+
+**Location**: `src/core/cbdc/zk-validation/`
+
+**Services**:
+- `zk-balance-proof.service.ts` - zkBP generation
+- `zk-compliance-proof.service.ts` - zkCP generation
+- `zk-identity-proof.service.ts` - zkIP generation
+- `zk-verification.service.ts` - Combined verification
+
+**API Routes**: `/api/v1/zk-cbdc/*`
+
+**Documentation**: [zk-cbdc.md](./zk-cbdc.md)
+
+---
+
+## 5. Autonomous Regulatory Intelligence (ARI)
+
+### Purpose
+
+ARI is the self-governing regulatory AI of DBIS, capable of:
+- Detecting system-wide risk
+- Modifying AML policies in real time
+- Updating FX risk limits
+- Triggering liquidity adjustments
+- Recommending settlement rule changes
+
+### Architecture
+
+**Cortex Layer**
+- Regulatory policy generator
+- Predictive modeling engine
+
+**Reflex Layer**
+- Real-time AML/FX adjustments
+- Autonomous sanctions updates
+- Automated rule deployment
+
+**Execution Layer**
+- Interacts with:
+  - GPN
+  - M-RTGS
+  - ALPS liquidity engine
+  - GASE AML engine
+
+### Decisioning Example
+
+```
+if SARE.FXSP > 0.35:
+   tighten_FX_band( SCB )
+   reduce_liquidity_limit( SCB )
+```
+
+ARI can self-update policies, subject to:
+- MSC review windows
+- CAA override authority
+
+### Implementation
+
+**Location**: `src/core/compliance/ari/`
+
+**Services**:
+- `ari-cortex.service.ts` - Cortex layer
+- `ari-reflex.service.ts` - Reflex layer
+- `ari-execution.service.ts` - Execution layer
+- `ari-decisioning.service.ts` - Decision engine
+
+**API Routes**: `/api/v1/ari/*`
+
+**Documentation**: [ari.md](./ari.md)
+
+---
+
+## 6. Cross-Border Algorithmic Settlement Optimizer (CASO)
+
+### Purpose
+
+CASO computes the most efficient settlement routing path globally.
+
+### Optimization Function
+
+```
+optimal_route = argmin(
+   fx_cost + liquidity_penalty + volatility_risk + SRI_factor + SSU_cost
+)
+```
+
+### Integration
+
+CASO feeds into:
+- GPN (routing)
+- M-RTGS (queueing)
+- SIRE (settlement optimization)
+- ALPS (liquidity planning)
+
+### Implementation
+
+**Location**: `src/core/settlement/caso/`
+
+**Services**:
+- `caso-optimizer.service.ts` - Optimization engine
+- `caso-routing.service.ts` - Route application
+
+**API Routes**: `/api/v1/caso/*`
+
+**Documentation**: [caso.md](./caso.md)
+
+---
+
+## 7. Decentralized Sovereign Compliance Nodes (DSCN)
+
+### Purpose
+
+DSCN decentralizes compliance across:
+- Each SCB
+- Authorized private banks
+- Sovereign-regulated institutions
+
+### Functionality
+
+- Local AML scanning
+- Local sanctions checks
+- Local identity verification
+- Ledger synchronization with DBIS
+
+### Benefits
+
+- Reduces DBIS load
+- Improves redundancy
+- Aligns with sovereign autonomy
+
+### Implementation
+
+**Location**: `src/core/compliance/dscn/`
+
+**Services**:
+- `dscn-node-manager.service.ts` - Node management
+- `dscn-aml-scanner.service.ts` - AML scanning
+- `dscn-sanctions-checker.service.ts` - Sanctions checking
+- `dscn-identity-verifier.service.ts` - Identity verification
+- `dscn-sync.service.ts` - DBIS synchronization
+
+**API Routes**: `/api/v1/dscn/*`
+
+**Documentation**: [dscn.md](./dscn.md)
+
+---
+
+## Database Schema
+
+All Volume VII components have corresponding Prisma models in `prisma/schema.prisma`:
+
+- GPN: `GpnPayment`, `GpnRoute`, `GpnSettlementLock`
+- M-RTGS: `MrtgsQueue`, `MrtgsSettlement`, `MrtgsRiskAlert`
+- SCI: `SovereignComputeZone`, `SovereignReplication`, `SevmContract`, `SovereignAttestation`
+- ZK-CBDC: `ZkProof`, `ZkVerification`
+- ARI: `AriPolicy`, `AriDecision`, `AriPolicyUpdate`
+- CASO: `CasoRoute`, `CasoOptimization`
+- DSCN: `DscnNode`, `DscnComplianceResult`, `DscnSyncRecord`
+
+---
+
+## Volume VIII Preview
+
+Volume VIII will introduce:
+- DBIS Cyber-Defense Command (DCDC)
+- Planetary Settlement Grid (PSG)
+- Distributed Sovereign Compute Mesh
+- CBDC Governance & Monetary Modeling Handbook
+- Global Quantum Ledger (GQL)
+
+---
+
+## License
+
+UNLICENSED - Proprietary DBIS System
+

docs/volume-vii/ari.md

@@ -0,0 +1,73 @@
+# Autonomous Regulatory Intelligence (ARI)
+
+## Overview
+
+ARI is the self-governing regulatory AI of DBIS, capable of:
+- Detecting system-wide risk
+- Modifying AML policies in real time
+- Updating FX risk limits
+- Triggering liquidity adjustments
+- Recommending settlement rule changes
+
+## Architecture
+
+### Cortex Layer
+
+- Regulatory policy generator
+- Predictive modeling engine
+
+**Service**: `ari-cortex.service.ts`
+
+**API Endpoints**:
+- `POST /api/v1/ari/policy/generate` - Generate regulatory policy
+- `POST /api/v1/ari/predict` - Predict risk
+
+### Reflex Layer
+
+- Real-time AML/FX adjustments
+- Autonomous sanctions updates
+- Automated rule deployment
+
+**Service**: `ari-reflex.service.ts`
+
+### Execution Layer
+
+Interacts with:
+- GPN
+- M-RTGS
+- ALPS liquidity engine
+- GASE AML engine
+
+**Service**: `ari-execution.service.ts`
+
+**API Endpoint**: `POST /api/v1/ari/execute`
+
+## Decisioning Example
+
+```
+if SARE.FXSP > 0.35:
+   tighten_FX_band( SCB )
+   reduce_liquidity_limit( SCB )
+```
+
+**Service**: `ari-decisioning.service.ts`
+
+**API Endpoint**: `POST /api/v1/ari/decision`
+
+ARI can self-update policies, subject to:
+- MSC review windows
+- CAA override authority
+
+## Database Models
+
+- `AriPolicy` - Regulatory policies
+- `AriDecision` - ARI decisions and actions
+- `AriPolicyUpdate` - Policy update history
+
+## Integration Points
+
+- SARE risk engine (Volume V)
+- AML velocity engine (existing)
+- FX engine (existing)
+- GPN, M-RTGS, ALPS, GASE
+

docs/volume-vii/caso.md

@@ -0,0 +1,53 @@
+# Cross-Border Algorithmic Settlement Optimizer (CASO)
+
+## Overview
+
+CASO computes the most efficient settlement routing path globally.
+
+## Optimization Function
+
+```
+optimal_route = argmin(
+   fx_cost + liquidity_penalty + volatility_risk + SRI_factor + SSU_cost
+)
+```
+
+## Services
+
+### Optimizer Service
+
+Calculates optimal route based on multiple cost factors.
+
+**Service**: `caso-optimizer.service.ts`
+
+**API Endpoint**: `POST /api/v1/caso/optimize`
+
+### Routing Service
+
+Applies optimized routes to target systems.
+
+**Service**: `caso-routing.service.ts`
+
+**API Endpoint**: `POST /api/v1/caso/route`
+
+## Integration
+
+CASO feeds into:
+- GPN (routing)
+- M-RTGS (queueing)
+- SIRE (settlement optimization)
+- ALPS (liquidity planning)
+
+## Database Models
+
+- `CasoRoute` - Optimized route records
+- `CasoOptimization` - Optimization results
+
+## Integration Points
+
+- SIRE routing (existing)
+- GPN switching
+- M-RTGS queue manager
+- ALPS liquidity engine
+- SRI calculator (existing)
+

docs/volume-vii/dscn.md

@@ -0,0 +1,70 @@
+# Decentralized Sovereign Compliance Nodes (DSCN)
+
+## Overview
+
+DSCN decentralizes compliance across:
+- Each SCB
+- Authorized private banks
+- Sovereign-regulated institutions
+
+## Functionality
+
+### Node Management
+
+Register and manage DSCN nodes per SCB/private bank.
+
+**Service**: `dscn-node-manager.service.ts`
+
+**API Endpoint**: `POST /api/v1/dscn/node/register`
+
+### Local AML Scanning
+
+Perform local AML scanning to reduce DBIS load.
+
+**Service**: `dscn-aml-scanner.service.ts`
+
+**API Endpoint**: `POST /api/v1/dscn/aml/scan`
+
+### Local Sanctions Checks
+
+Perform local sanctions checks.
+
+**Service**: `dscn-sanctions-checker.service.ts`
+
+**API Endpoint**: `POST /api/v1/dscn/sanctions/check`
+
+### Local Identity Verification
+
+Perform local identity verification.
+
+**Service**: `dscn-identity-verifier.service.ts`
+
+**API Endpoint**: `POST /api/v1/dscn/identity/verify`
+
+### DBIS Synchronization
+
+Synchronize compliance results and ledger state with DBIS.
+
+**Service**: `dscn-sync.service.ts`
+
+**API Endpoint**: `POST /api/v1/dscn/sync`
+
+## Benefits
+
+- Reduces DBIS load
+- Improves redundancy
+- Aligns with sovereign autonomy
+
+## Database Models
+
+- `DscnNode` - DSCN node registrations
+- `DscnComplianceResult` - Local compliance results
+- `DscnSyncRecord` - Synchronization records
+
+## Integration Points
+
+- Existing AML engine
+- Sanctions screening (existing)
+- GBIG identity (Volume V)
+- DBIS Master Ledger
+

docs/volume-vii/gpn.md

@@ -0,0 +1,79 @@
+# DBIS Global Payments Network (GPN)
+
+## Overview
+
+The DBIS Global Payments Network (GPN) is the universal, sovereign-grade payment network connecting 33 Sovereign Central Banks, private banks, CBDC wallets, commodity token networks, and security token infrastructures.
+
+## Architecture
+
+### Layer 1 – Sovereign Access Layer
+
+- SCB nodes authenticate via SDIP (Sovereign Digital Identity Passport)
+- Sovereign traffic segmented by identity
+- Zero-trust authentication
+
+**Service**: `gpn-sovereign-access.service.ts`
+
+**API Endpoint**: `POST /api/v1/gpn/authenticate`
+
+### Layer 2 – Global Switching Layer
+
+- DBIS switch routes payments using:
+  - FX cost optimization
+  - Liquidity availability
+  - SRI-based risk weighting
+
+**Service**: `gpn-switching.service.ts`
+
+**API Endpoint**: `POST /api/v1/gpn/route`
+
+### Layer 3 – Finality Layer
+
+- Atomic settlement achieved when:
+  - SCB ledger posts
+  - DBIS Master Ledger posts
+  - Hash-lock matches
+
+**Service**: `gpn-finality.service.ts`
+
+**API Endpoints**:
+- `POST /api/v1/gpn/finality` - Verify finality
+- `POST /api/v1/gpn/hash-lock` - Create hash-lock
+
+## Supported Payment Types
+
+- Person → Person (rCBDC)
+- Bank → Bank (wCBDC)
+- SCB → SCB (institutional payments)
+- Commodity-backed payments (CDT → CBDC)
+- Security-linked payments
+- Cross-chain payments (multi-ledger)
+
+## Messaging Standards
+
+GPN uses ISO 20022 messages wrapped in Sovereign Message Envelope (SME):
+
+- PACS.008 - FI to FI Credit Transfer
+- PACS.002 - Payment Status Report
+- FXMT.003 - FX Trade Execution Report
+- CBDC_TX - CBDC transaction messages
+- SCB_NOTIFY - SCB notification messages
+- DBIS_COMMIT - DBIS commitment messages
+
+**Service**: `gpn-message-handler.service.ts`
+
+**API Endpoint**: `POST /api/v1/gpn/message/pacs008`
+
+## Database Models
+
+- `GpnPayment` - Payment routing records
+- `GpnRoute` - Routing paths with cost/risk metrics
+- `GpnSettlementLock` - Hash-lock records for finality
+
+## Integration Points
+
+- ISO 20022 service (existing)
+- SIRE routing (existing)
+- GSS Master Ledger (existing)
+- SDIP identity (Volume V)
+

docs/volume-vii/m-rtgs.md

@@ -0,0 +1,83 @@
+# Multi-Asset RTGS System (M-RTGS)
+
+## Overview
+
+M-RTGS is DBIS' next-generation RTGS system supporting instantaneous settlement (< 100ms) of:
+- Fiat
+- CBDC
+- SSU
+- Commodities
+- Tokenized securities
+
+All in a **single synchronized settlement cycle**.
+
+## Core Characteristics
+
+- Settlement < 100 milliseconds
+- Multi-ledger synchronization
+- Commodity-backed clearing
+- Collateralized RTGS via MACE engine
+
+## Queue Management
+
+### Priority Tiers
+
+- **Tier 1:** Sovereign & systemic transactions
+- **Tier 2:** Interbank transactions
+- **Tier 3:** Retail CBDC traffic during peak hours
+
+### Queue Algorithm
+
+```
+priority = systemic_value + fx_cost_penalty + liquidity_weight + SRI_adjustment
+```
+
+**Service**: `mrtgs-queue-manager.service.ts`
+
+**API Endpoints**:
+- `POST /api/v1/m-rtgs/queue/add` - Add payment to queue
+- `GET /api/v1/m-rtgs/queue/next` - Get next payment from queue
+
+## Settlement Processing
+
+**Service**: `mrtgs-settlement.service.ts`
+
+**API Endpoint**: `POST /api/v1/m-rtgs/settle`
+
+Settlement includes:
+- Multi-ledger synchronization
+- Performance monitoring (< 100ms target)
+- Status tracking
+
+## Real-Time Risk Controls
+
+M-RTGS monitors:
+- Transaction velocity
+- Liquidity congestion
+- FX slip
+- Commodity price shocks
+- CBDC abnormal routing patterns
+
+**Service**: `mrtgs-risk-monitor.service.ts`
+
+**API Endpoint**: `POST /api/v1/m-rtgs/risk/monitor`
+
+## MACE Integration
+
+Collateralized RTGS via MACE engine for risk management.
+
+**Service**: `mrtgs-mace-integration.service.ts`
+
+## Database Models
+
+- `MrtgsQueue` - Queue entries with priority scores
+- `MrtgsSettlement` - Settlement records with multi-asset support
+- `MrtgsRiskAlert` - Risk monitoring alerts
+
+## Integration Points
+
+- Existing RTGS payment service
+- MACE collateral engine (Volume IV)
+- ALPS liquidity engine
+- GPN for routing
+

docs/volume-vii/sci.md

@@ -0,0 +1,67 @@
+# Sovereign Cloud Infrastructure (SCI)
+
+## Overview
+
+SCI is DBIS' **planetary-scale sovereign cloud**, providing:
+- High-security compute
+- Isolated sovereign runtime environments
+- Global redundancy
+- PQC-secured compute fabric
+
+## Architecture
+
+### Sovereign Compute Zones (SCZs)
+
+- One per SCB
+- Zero-trust isolation
+- PQ-HSM for key operations
+
+**Service**: `sci-zone-manager.service.ts`
+
+**API Endpoint**: `POST /api/v1/sci/zone/create`
+
+### Global Replication Grid (GRG)
+
+- DBIS-led multi-region replication
+- Metadata hashing every 30 seconds
+
+**Service**: `sci-replication.service.ts`
+
+**API Endpoint**: `POST /api/v1/sci/replication/start`
+
+### Sovereign EVM (SEVM)
+
+Smart contract execution for:
+- CBDC workflows
+- FX swaps
+- Commodity token redemptions
+- Settlement contracts
+
+**Service**: `sci-sevm.service.ts`
+
+**API Endpoint**: `POST /api/v1/sci/sevm/deploy`
+
+## Security Features
+
+- TPM-backed nodes
+- PQ-encrypted channels (Kyber)
+- Cross-zone firewalls
+- Continuous integrity attestations
+
+**Service**: `sci-security.service.ts`
+
+**API Endpoint**: `POST /api/v1/sci/security/attestation`
+
+## Database Models
+
+- `SovereignComputeZone` - SCZ configurations
+- `SovereignReplication` - GRG replication records
+- `SevmContract` - SEVM smart contract deployments
+- `SovereignAttestation` - Integrity attestation records
+
+## Integration Points
+
+- Quantum crypto service (existing)
+- HSM service (existing)
+- Smart contract service (existing)
+

docs/volume-vii/zk-cbdc.md

@@ -0,0 +1,67 @@
+# ZK-CBDC Validation Framework
+
+## Overview
+
+Zero-Knowledge CBDC Validation ensures privacy-preserving compliance by enabling:
+- Balance verification without revealing balances
+- Transaction compliance without revealing transaction history
+- ZK-enabled AML and sanctions screening
+
+## ZK Validation Modes
+
+### Mode 1 – ZK-Balance Proofs (zkBP)
+
+Proves wallet has sufficient funds **without revealing amount**.
+
+**Service**: `zk-balance-proof.service.ts`
+
+**API Endpoint**: `POST /api/v1/zk-cbdc/balance-proof`
+
+### Mode 2 – ZK-Compliance Proofs (zkCP)
+
+Ensures:
+- AML rules satisfied
+- Sanctions clear
+- Transaction within policy limits
+
+**Service**: `zk-compliance-proof.service.ts`
+
+**API Endpoint**: `POST /api/v1/zk-cbdc/compliance-proof`
+
+### Mode 3 – ZK-Identity Proofs (zkIP)
+
+Provides confirmation that:
+- A wallet belongs to a verified entity
+- Without disclosing identity attributes
+
+**Service**: `zk-identity-proof.service.ts`
+
+**API Endpoint**: `POST /api/v1/zk-cbdc/identity-proof`
+
+## Smart Contract Verification
+
+Smart contracts validate:
+```
+if zkBP && zkCP && zkIP:
+    execute_CBDC_transfer()
+```
+
+**Service**: `zk-verification.service.ts`
+
+**API Endpoint**: `POST /api/v1/zk-cbdc/verify`
+
+## Database Models
+
+- `ZkProof` - ZK proof records
+- `ZkVerification` - Verification results
+
+## Integration Points
+
+- CBDC transaction service (existing)
+- GBIG identity graph (Volume V)
+- AML engine (existing)
+
+## Note
+
+ZK proof library integration required (e.g., circom, snarkjs, or similar). Current implementation uses placeholder proofs for structure.
+