cNGN Stablecoin Settlement Hub

Clear institutional B2B stablecoin payments instantly, with bank-grade finality and provable solvency — on infrastructure built to a standard most teams take years to reach.

What it does

A drop-in clearing and settlement core for an institutional cNGN hub. Members clear high-value B2B obligations against each other instantly and internally, while the system settles only the net position on-chain and across Nigerian bank rails on a schedule — collapsing on-chain cost and intraday liquidity needs without sacrificing finality.

Capabilities (what you get)

• Ultra-low-latency clearing with inline correctness verification on every transaction — value can never be created, destroyed, or overdrawn beyond policy.
• Multilateral netting that compresses gross obligations to a minimal settlement set (typically a large reduction in settlement volume and on-chain cost).
• Full compliance plane at ingress — KYB onboarding, sanctions/watchlist screening, AML monitoring, FATF Travel Rule (IVMS101), and per-counterparty limits — so only compliant instructions ever reach the ledger, every decision independently auditable.
• Periodic settlement on-chain (cNGN) and over NIP/RTGS, with confirmation-depth finality and reorg safety.
• Default management — a CCP-style loss waterfall, settlement unwind, and Cover-2 adequacy — so the hub stays solvent if a member fails to fund.
• Institutional messaging — speaks ISO 20022 natively.
• Tamper-evident audit trail and threshold custody (no single key/person can move funds).

Performance (measured)

• Internal clearing decision: ~0.17 µs median, ~1.4 µs p99 per transfer; ~3.5M transfers/sec on a single core.
• Recovery is byte-exact and near-instant; designed for RPO 0.

Why you can trust it (buying confidence, not IP)

• Formally specified safety properties, machine-checked.
• Verified under AddressSanitizer/UBSan, a million-iteration fuzz campaign, and ThreadSanitizer; an independent multi-perspective forensic security review with all findings remediated and regression-tested.
• ~200 automated correctness/property/integration tests, green on every build, warnings-as-errors.
• Decisions captured as a formal record (architecture decision log) for audit and regulator review.