Metropolitan Private Bank is private fintech for private banking and governance that can be integrated into real banks and purchased by businesses. Main server and client’s server nodes work together as one decentralized banking software. Personal WM namespace and country type of currency CCL (Cycle, symbol Ⱡ) for ISO registration.

Electronically generated money for lending as one government debt distributed by two distinct types for country development or corporate business debt. Retrieving the loans and credits allows the side to request more money every next time.

Metropolitan Private Bank is the White Metropolitan State's bank and builds a trusted network behind real banks and businesses as main clientele, allowing them to have their own branded banking service and instance of this fintech. Government issued certificate for paid government debt in terms of country development and new digits for loan frameworks to dig again.

The Problem

The loan framework by the bank is extended to provide a volumetric economy to an external shared pool that implements the API service and database model. By piping chunks of financial data online a target-end bank accommodates and accounts the digital stock of the shared economy. The accommodated money of the private bank generates government debt in the same currency. Contracted exchange model is required by the target-end bank. Collected chunks correlated to the shared pool are uploaded to the Metropolitan Private Bank online API service with an expiry date for no use and returned as one online digital chunk to the origin.

Solution

The Metropolitan Private Bank executes lock on resource and issues a new chunk of financial data that is persistent storage for the same amount of money including a certificate for requesting back the returned stock renewed or channeling to another node in the external shared pool. The certified persistent chunk will extinguish a managed government debt and allows administering the shared pool for collecting economy back based on the exact number of the certificate.

Traction and Milestones Market Opportunity

Fintech market is one of the most growing and will reach in the next years a market cap up to $700B.
Our software also operates in the trillion zone of the economy and has a high order cap of maximum reaching 999 quadrillions in precision per server instance.

Business Model

The Metropolitan Private Bank software requires installation on a separate desktop or laptop connected to the Internet using cable or WiFi. Mobile network is permitted over WiFi for remote destinations. The software is operational behind a physical router's local network to facilitate communication and synchronization to the target-end bank. The target-end bank can communicate directly to the main cluster of Metropolitan Private Bank with the physical quantity of the client's machine or any in the metropolitan network. Physical cold storage as external HDD or USB for backup.

Human or Company can be a Client of the bank. Each client registers in the appropriate trade registry system of White Metropolitan and chooses a virtual container [NORD, EAST, WEST, MENA, ASIA] of [Public, Private, Commercial] registry. The client is operational with the metropolitan trade id. Each bank instance of the software allows the client to open accounts of users including companies. The client can use the metropolitan private bank card system and digital terminals.

Technical Specification

Server

The topology describes Global Cluster and Gateway plus Terminal, Locality Server and Local Gateway, Bank Server and Bank Client. Fully Asynchronous server-side code. Technology used so far: PostgreSQL, TypeScript, Node, Mobile, Microservices API.

Several types of transactions are available starting from the real time detailed with many options configuration of the transaction to create, can start with very little data provided that expands by many checks and validations. Small system transaction based on account and currency value transfer with least options to config, use in automation where all of the data is already known. Automated transaction with fix on each step using SQL transactions that validate passed code so far and traces in the transaction queue, use of the system mech timeline of events to manage the queue.

Engine

Event-driven engine in the application core that allows precise in time scheduled actions and routine tasks to be executed down to the millisecond. Monitor in real time the timeline of events and each state recorded in the database. Async Mech utilizes many parallel processes with thread specific shared pool of data, limiting execution time of each asynchronous iterator in favor of unbreakable automation. Automatically postpone failed tasks and reschedule based on each data case, i.e. not enough currency value in the account to do the taxing.

High precision FPS engine in real time during the runtime up to 200 frames per second for server-side rendering. Multi-threading asynchronous processing of data for parallel programming using main server process and thread specific central storage. Creating or paying taxes automatically, managing contracts and credits, verifies the integrity of the loan framework each month, and generates taxes of a certain type if the term not met. Managing transaction queue.

Use of scheduler and task manager for each task. Volumetric maximum of 999 quadrillions.

Database

Primary data about banks/cards/clients/users/accounts and Integrations, Transaction Queue, Historical Data Annual about Transactions, Currency Programmator with Exchange Programs and Transactions with Contracted Taxing, Exchange Contracts, CCL Virtual Account, Metropolitan Private Bank Inner Circulation Network, Hardcoded data about Currencies, Contracted data about all Currencies, Credit and Loan Framework Contracts.

API

Encapsulated API Commands instanced by each route controller that reveal a vast data network of services. Extended CRUD operations of every table object plus business logic implementation.

---