Direct Charity Platform

Goals, Architecture & Roadmap — Clean Reference

Goals and Principles

Core Goal: Ensure donations reach those most in need as directly as possible with minimal friction and intermediary costs, while providing verifiable transparency and abuse prevention.

Design Principles

Replace manual processes with algorithmic automation
Privacy first (data minimization + optional anonymity)
Auditable transparency (on-chain records)
Compliance & sustainability (modular KYC/AML)
Flexible payment rails (on-chain / off-chain)
Scalable & secure upgradability

Roles and Typical Use Cases

Roles: Donor, Beneficiary, Witness/Validator, Platform Operations, External Data Providers (Oracles).

Key Scenarios

Donor sets up “$100 monthly donation, preference for medical expenses.”
Beneficiary submits a request (medical bills, utility bills, tuition, etc.).
AI risk/needs model scores the case in real time; qualified cases trigger a smart contract disbursement or direct bill payment.
All flows and receipts use zero-knowledge proofs + on-chain hashes for public auditability.

System Overview — High-Level Architecture

[Web/APP Client]
   │
   ▼
[API Gateway] ──▶ [Identity/KYC Module] ──▶ [Private Key Custody / Wallet]
   │                                │
   │                                └─▶ [Encrypted Beneficiary Data Vault]
   ▼
[AI Orchestrator Layer]
   ├─▶ [Needs Recognition Model] (documents/images/OCR/NLP)
   ├─▶ [Risk Control Model] (fraud detection/multi-accounts/geo/graph)
   ├─▶ [Matching & Allocation Engine] (priority/theme/fairness)
   └─▶ [Compliance Engine] (sanctions/AML/regional restrictions)
   │
   ▼
[Payment Layer]
   ├─▶ Smart Contracts (stablecoins/token routing)
   ├─▶ On-chain / Off-chain payments (CBDC/bank/pay utility directly)
   └─▶ Oracles (FX rates, goods verification, bill validation)
   │
   ▼
[Transparency & Audit]
   ├─▶ Public Dashboard (anonymized aggregates)
   ├─▶ On-chain proofs (transaction & receipt hashes)
   └─▶ ZK Privacy Reports (verifiable without exposing PII)

Module Design

1) Identity & Eligibility Verification (Phased)

L0 (lightweight): Email/phone + device fingerprint + basic geo checks.
L1 (standard): eKYC (ID/passport OCR + liveness), redacted bill uploads, AI authenticity checks.
L2 (high-risk): Video verification, gov/hospital/school APIs, social reputation graph.

Output: KYCStatus = {level: L0/L1/L2, riskScore: 0..1, expiry}

2) Proof of Need & Document Verification

OCR → extract amount, date, merchant, invoice/bill ID
Authenticity checks against utility/school/hospital/telecom APIs or scrapers
Generate zero-knowledge proofs (e.g., “this person owes ¥X” without revealing sensitive details)

3) Anti-Abuse / Anti-Sybil

Multi-account detection: device graphs, IP/geo jumps, behavioral sequences, wallet clustering
Graph risk: shared wallets, validator links, duplicate doc hashes
Small initial disbursements + credit growth

4) Matching & Allocation Engine

Inputs: needScore, urgency, riskScore, theme, geo & fairness weights.

Outputs:

Direct P2P disbursement
Direct bill payment (hospital/school/utility)
Split disbursement (one donation spread across multiple cases)

5) Payment Flows & Smart Contracts

interface AidRouter {
  function pledge(bytes32 theme, uint256 amount, address asset) external; // donation escrow
  function route(bytes32 caseId) external; // triggered allocation
  function payDirect(bytes32 caseId, bytes merchant) external; // direct bill pay
  event Routed(bytes32 caseId, address to, uint256 amount, address asset, bytes32 receiptHash);
}

Routing: stablecoins (USDC/USDT), local transfers (bank/ECPay), optional CBDC, mobile wallets. Policy: lowest fee → success rate → speed.

6) Transparency, Privacy & Audit

Encrypted beneficiary data; minimal anonymized fields on-chain (amount, time, theme, geohash)
Public dashboard: daily/weekly allocations, theme shares, geo heatmap, median times & fees
Anonymous story cards via AI de-identification
Third-party auditors access non-repudiable hashes; ZK reports prove compliance without exposing PII

Data Model (Simplified)

Beneficiary {
  id, kycLevel, riskScore, geoHash, deviceHash, trustScore, wallet, preferFiat
}
Case {
  id, beneficiaryId, theme, amount, urgency, docs:[hash], verified:true/false, zkProof
}
Pledge {
  id, donorId, theme, amount, asset, recurring:true/false, preferences, caps
}
Disbursement {
  id, caseId, amount, route:[onchain|bank|merchant], txHash|bankRef, receiptHash
}
RiskEvent { id, actorId, type, scoreDelta, evidence:[hash] }

Core Algorithms (Illustrative)

EligibilityScore:

score = w1*need + w2*urgency + w3*(1-risk) + w4*impact + w5*fairness
// fairness: extra weight for undercovered regions or long-unassisted applicants

DisbursementPolicy:

if risk > τ1 → reject
else if τ0 < risk ≤ τ1 → small disbursement first + bill-pay priority
else → normal amount + direct or bill-pay depending on case type

Governance & Community Participation

Witness/Volunteer: upload on-site photos/interviews (auto redacted), earn token rewards (Proof-of-Visit)
Reputation & penalties: false evidence → deduction/ban
Dispute resolution: small arbitration jury (random + reputation), AI summary, final vote on-chain
Open API: media/corporate CSR widgets for theme-specific donations

Compliance & Localization

AML/KYC: sanctions checks, STR reporting, geo whitelists/blacklists
Tax: auto receipts (on-chain hash + PDF), local tax formats
Localization: merchant whitelist (hospitals/schools/utilities), multi-language & FX auto-conversion

Monitoring & SLOs

SLOs: median disbursement ≤ 5 min (on-chain) / ≤ 1 day (bank); mispayment rate < 10⁻⁵
Monitoring: latency, failure rates, automatic route switching
Risk model drift detection (data/concept drift)

Security Threat Model (Highlights)

Smart contracts: reentrancy/overflow/auth errors → formal verification + multisig
Payments: phishing/address swap → whitelist + human confirmation
Data: forged docs/deepfakes → multi-source cross-validation + forensic ML
Abuse: Sybil farms → behavior graph + incremental limits + manual arbitration fallback

Cost Structure & Fees

Platform fee: 0% base; sustained by optional tips or corporate sponsorships
Payment fees: choose lowest-cost route; show real take-home %; favor direct bill-pay
Ops costs: cloud, audits, compliance, model training; covered via open-source + audit funds

MVP → Roadmap

Phase 0 (8 weeks)

Utility/tuition bill-pay MVP: upload bill → AI verify → small trial → pay directly
Dashboard + on-chain hash proofs only

Phase 1

Recurring donations + thematic preferences + split disbursements
Anti-Sybil v1 (device/behavior) + credit curve

Phase 2

Witness Proof-of-Visit, ZK reports v1, corporate CSR API
Cross-border stablecoin routing

Phase 3

Multi-country expansion, optional CBDC integration
DAO governance trials

UI Flow Sketches (Sample Copy)

Donor: “I want to donate $100 monthly, medical only, risk preference: conservative (bill-pay first).” → Generates contract commitment + dashboard card.

Beneficiary: “Upload hospital bill” → Real-time verification progress bar → Estimated disbursement time + visualized payment path.

Deliverables

API specification (OpenAPI/GraphQL)
Smart contract prototype (Solidity/Move examples)
Risk/matching model draft notebooks
Low-fidelity dashboard mockups (Figma wireframes)

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