Eliminating the Irreversibility Gap

VILIGENCE is the upstream deterministic enforcement layer. Before any payment instruction is generated, we validate liquidity with a binary gate — PASS or HOLD. This safety air-gap prevents unfunded commitments, eliminates trapped capital, and guarantees settlement across blockchain rails, ISO 20022, RTGS, and instant networks.

Traditional Flow — Failure Risk

Optimistic Execution

  • Send-first, reconcile-later; liquidity is assumed.
  • Nostro buffers and intraday overdrafts accumulate risk.
  • Instant finality amplifies settlement failures.
  • Capital traps and post-facto exception handling.
VILIGENCE Flow — Guaranteed Settlement

Upstream Enforcement

  • Pre-commit check: deterministic liquidity validation.
  • Binary gate: PASS or HOLD.
  • Mode A (Monitor), Mode B (Enforcement), Mode C (Fail-Open).
  • Prevention over correction; solvency without privacy leakage.
/viligence/liquidity-gate
Mode B — Enforcement
[SYS] Gate initialized with hypothetical limit: 10M.
[SYS] Type a command (e.g., Transfer 5M USD to EXTERNAL) and press Enter.