Architecture
Merging web2 & web3 for fintech innovations
Last updated
Merging web2 & web3 for fintech innovations
Last updated
Trevo redefines modern fintech architecture by seamlessly integrating Web2 and Web3 technologies into a cohesive infrastructure designed to meet the practical demands of asset issuers, holders, financial service providers, and regulatory bodies.
Operates as a decentralized, global ledger for settlement operations, asset transfers, and regulatory compliance.
Guarantees secure, auditable, and real-time transaction tracking.
Efficiently processes off-chain, real-world data including asset details, regulatory updates, and user information.
Utilizes fast, widely-adopted technologies to ensure robust, reliable performance.
Secure APIs seamlessly bridge interactions with the Web3 settlement layer, providing both scalability and operational flexibility.
Authorized, specialized entities handling critical off-chain functions such as identity verification (KYC), AML checks, regulatory compliance, and off-chain data management.
Essential to maintaining compliance, risk management, and operational efficiency across the Trevo ecosystem.
User-centric solutions including asset portfolio management, trading interfaces, fractional ownership platforms, lending services, and marketplaces for tokenized securities.
Capitalize on blockchain-based settlement while leveraging the flexibility, familiarity, and cost-efficiency of traditional Web2 development practices for all non-settlement processes.
Interactions between Infrastructure Providers and Fintech Applications are managed via the Web2 layer with the help of protocols established by Trevo. This ensures coherent handling of diverse and complex financial transactions, enabling efficient processing and streamlined user experiences.
Authorized Infrastructure Providers operate off-chain but leverage Trevo’s blockchain for transparent compliance enforcement. Their key functions include:
KYC Providers: Conduct real-time user and entity identity verification.
AML Providers: Monitor transactions and participants against global sanctions lists and watchlists.
Regulatory Providers: Ensure asset-specific and jurisdiction-specific regulatory compliance.
Corporate Governance Providers: Enforce customized corporate governance requirements such as board approvals, preemptive rights, or transfer restrictions.
Providers integrate seamlessly via Trevo's modular Compliance Engine, ensuring comprehensive, continuous compliance for all transactions.
Fintech services have operations that are not directly related to the transfer of tokens, but which require the functionality of KYC / AML / Compliance providers. Trevo establishes a metadata exchange protocol that allows automated integration of these services with each other.
Trevo integrates compliance deeply into each transaction stage, from asset issuance to secondary market transfers. The typical transaction flow includes:
Transfer Initiation: Sender initiates a token transfer to recipient.
Temporary Token Locking: Blockchain registers intent and securely locks tokens.
Automated Compliance Validation:
KYC Verification: Ensured that Recipient’s identity has been validated through an accredited KYC provider.
AML Screening: AML provider checks recipient against international watchlists.
Regulatory Checks: Regulatory provider verifies jurisdictional compliance.
Issuer Compliance Engine: Internal compliance policies set by token issuer are enforced.
Settlement Execution: Upon passing all compliance checks, tokens are unlocked and transferred to recipient’s ownership.
Each compliance action is transparently recorded on-chain, enabling auditability and regulatory scrutiny at every stage.
Compliance requirements vary significantly by asset class, jurisdiction, and internal corporate policies — and evolve continually. Trevo accommodates this variability through:
Accredited Provider Network: Pre-integrated, authorized compliance service providers.
Asset-Specific Compliance Modules: Customizable compliance logic tailored to specific asset needs.
Transparent On-Chain Records: All compliance validations and outcomes are auditable on the blockchain.
Automated Transaction Control: Ensures settlement occurs only after compliance validations are successfully completed.
Trevo’s architecture uniquely provides:
Efficient and Scalable Settlement: A high-performance blockchain layer optimized for secure, fast, and cost-effective settlements.
Built-In Compliance & Financial Infrastructure: Reduces development complexity, accelerates market readiness, and ensures regulatory adherence by embedding essential services like KYC, AML, compliance monitoring, and payment on/off-ramps.
Enhanced Transparency and Trust: Comprehensive audit trails and transparent compliance records enhance trust and facilitate regulatory oversight.
Simplified Integration and Development: Web2-compatible APIs minimize blockchain complexity, significantly accelerating fintech application development.
While smart contracts were groundbreaking in ICO and DeFi contexts, they inherently lack direct integration with off-chain processes — critical for Real-World Assets (RWAs) due to required external validations and off-chain data interactions.
Trevo addresses these limitations by redefining interactions between on-chain transactions and off-chain business logic. The blockchain exclusively handles settlement, compliance verification, and asset transfers, while complex business logic and external data integrations remain securely managed by off-chain infrastructure. This hybrid approach enhances operational efficiency, regulatory compliance transparency, and substantially accelerates the development and deployment of advanced fintech solutions without the need in smart contracts.
