dbis_core/docs/volume-vii/gpn.md

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)