4. Solution Overview

4.1 NexFi Platform Architecture

A hybrid stack combining:

• Frontend: React Native app, web dashboard

• Backend: Microservices in Node.js & Go

• Custody: Fireblocks for crypto, banking partners for fiat

• Ledger: Postgres + append-only on-chain proofs

4.2 Multi-Currency Wallet & Smart Card

Users open multi-currency accounts in 35+ fiat currencies, equip virtual cards immediately, and order physical cards—spending at live FX rates with no hidden spread.

4.3 Instant P2P Transfers

On-chain or in-ledger transfers between NexFi wallets settle in under one second, at zero cost, allowing family, friends, and colleagues to move money seamlessly.

4.4 Token-Powered Benefits

NEXFI token acts as:

• Fee Medium: pay transfer & card fees at 50% discount

• Staking Asset: lock tokens for up to 12% APY rewards

• Governance Key: propose & vote on product improvements