- KYC now mandatory with 4 tiers (L0-L3), no trading without KYC
- AML anti-money laundering: 4 identified laundering paths with countermeasures
- P2P transfer monitoring, related-party detection, transaction graph analysis
- Dispute resolution module: trade disputes, issuer default, coupon recall
- Platform business model: 5 revenue streams
- Open platform: API/SDK, developer sandbox
- Internationalization: multi-language, multi-currency
- Issuer management console
- MVP Phase 1 now includes KYC and AML from day one
Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
- Default: users hold coupons in own wallet, platform only custodies fiat
- Plan A: enterprise signs service agreement for platform-managed custody
- Clear comparison table for both modes
Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
- Three parallel guarantee modes: deposit, sales freeze, credit transparency
- Platform only custodies fiat; coupons stay in user wallets
- Renumber 3.1 subsections
Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
- Blockchain is infrastructure, platform provides centralized services on top
- Key innovation: smart contract settlement protects enterprise customer data
- Platform does NOT access consumer data during coupon redemption
- Clear separation: decentralized (issuance, P2P, settlement) vs centralized (review, rating, compliance)
- Fix secondary market: all holders can trade, not just consumers
- Fix KPI: instant on-chain confirmation
Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
- Replace Token with 数字券/链上资产
- Smart contract atomic swap for trading
- On-chain verification (no platform verification needed)
- Wallet-centric user system
- On-chain settlement (instant, no T+N)
Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
- Add section 1.2: Core technical advantage with traditional vs Genex comparison
- Add first mover market positioning
- Add section 4.3: Blockchain core architecture (token standard, smart contracts, P2P)
- Move blockchain from future extension to core requirement
- Update version to v2.1
Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>
hailin