Udoka-AM/fintech_arc

A simulation of cross-border stablecoin and fiat infrastructure for the EU↔Africa corridor. Arc models the backend of a payments business that moves money between Europe and Africa in seconds. # Arc **A simulation of cross-border stablecoin and fiat infrastructure for the EU↔Africa corridor.** Arc models the backend of a payments business that moves money between Europe and Africa in seconds: multi-currency virtual accounts in, an instant swap to stablecoin, chain-agnostic settlement, and a local-rail payout out. It serves consumers and enterprises directly, and exposes the same rails to fintechs and exchanges through a white-label **Last Mile API**. > [!IMPORTANT] > **This is a simulation, not a financial system.** No real funds, no real bank connections, no real blockchain. Every external integration is a deterministic simulator. The sanctions list is synthetic — no real persons or entities appear in any data. Nothing here is investment, legal, or compliance advice. See Non-goals. --- ## Status Arc was built in ten phases, all complete. The plan they followed is in `docs/BUILD_PLAN.md`. What each phase deliberately left unbuilt is stated at the end of the page that describes it, rather than implied. | Phase | Scope | Status | | ----- | ------------------------------------------------------------------------- | ----------- | | 0 | Workspace, money primitives, event bus + outbox, boundary enforcement, CI | ✅ Complete | | 1 | Double-entry ledger, balances, invariant suite | ✅ Complete | | 2 | Accounts and multi-currency virtual accounts | ✅ Complete | | 3 | Chain-agnostic adapter + deterministic simulator | ✅ Complete | | 4 | Money movement: rails, quotes, the settlement saga, reversals | ✅ Complete | | 5 | Risk & compliance: KYC/KYB, sanctions, AML, review queues | ✅ Complete | | 6 | Platform: auth, gateway, webhooks, observability, secrets | ✅ Complete | | 7 | Partner platform, sandbox, Last Mile API, SDKs …