OB
OpeniBank
Docs/Self-Banking Engine

Self-Banking Engine

Production Track

OpeniBank Solo Mode packages wallet, ledger, permits, receipts, and a local CreditChain bootstrap into one self-hosted runtime. The objective is full financial control in minutes without external custodianship.

North Star

A user can install, initialize, start, and run a complete self-banking demo in under 10 minutes with replayable receipts and local-first custody.

Production Pillars

  • •4-compartment wallet model (Vault, Operational, Escrow, Delegated)
  • •Double-entry ledger with fixed-point Amount(i128, 8 decimals)
  • •CommitmentGate 5-phase transfer pipeline with fail-closed semantics
  • •SpendPermit policy enforcement on every spend-capable flow
  • •Ed25519 receipts + WorldLine audit replay

Source Baseline

This documentation page is aligned with the following OpeniBank v4 planning files.

  • 01-PRODUCT-ARCHITECTURE.md
  • 02-SOLO-MODE.md
  • 08-TECH-STACK-REPOS.md

Service Model

Solo Core

Individual operators and power users

Local runtime with embedded storage, local key management, and no mandatory cloud dependency.

Core Components

CLI bootstrapLocal dashboardBankingEngineReceipt verifier

Delivery: Binary install (brew, cargo, or release artifact)

Solo + Network

Users graduating to social and connected finance

Retains local custody while adding optional registration, profile identity, and remote integrations.

Core Components

Identity bindingNetwork bridgeProfile layerExchange connectors

Delivery: Progressive opt-in from Solo runtime

White-label Personal Node

Advisors and micro-institutions

Packaged solo stack with branded UI, policy templates, and support lifecycle tooling.

Core Components

Themed dashboardPolicy packsAudit export

Delivery: Managed deployment image

Deep-Dive Pages

Back to all systems

Quickstart and Day-0 Experience

Production Track

From install to first receipt in minutes: initialize identity, boot services, run a complete self-banking scenario.

Reduce first-run friction and prove end-to-end value transfer with cryptographic receipts before any advanced configuration.

4 production checkpointsOpen Topic

Wallet and Ledger Architecture

Production Track

Compartmentalized balances and journal-backed accounting enforce strict movement semantics across all value paths.

Guarantee that all wallet mutations are reconcilable, balanced, and scoped by explicit compartment intent.

4 production checkpointsOpen Topic

CommitmentGate, Permits, and Receipts

Production Track

Every value movement must pass through the same guarded state machine and emit signed evidence.

Prevent unauthorized or partial execution by making commitment, policy enforcement, and evidence generation non-optional.

4 production checkpointsOpen Topic

Solo Security and Backup Operations

Production Track

Local-first custody requires durable recovery and strict key isolation defaults.

Make key compromise and accidental data loss significantly harder while keeping recovery practical for operators.

4 production checkpointsOpen Topic

Local Portal Operations

Production Track

Operating the downloadable OpeniBank local web portal for self-hosted management of banking, trading, agents, and receipts.

Provide an operator-grade runbook for the local portal package and clearly separate local capabilities from openibank.com-exclusive services.

4 production checkpointsOpen Topic