4. Platform Architecture
ValoraX is designed as a modular, scalable, and AI-integrated platform that connects crypto assets with real-world spending. The architecture is built to support seamless interaction between on-chain protocols, AI computation layers, and external merchant systems through a user-friendly interface.
4.1 Core System Layers
1. AI Agent Layer
This layer powers all intelligent decision-making within ValoraX. It is responsible for:
Monitoring user behavior, token balances, and market conditions
Generating optimal payment paths through simulation
Recommending or automatically executing spending actions
Learning from each transaction to improve agent performance over time
The agent operates with real-time inputs and is modular enough to support future reinforcement learning or large language model (LLM) integration.
2. Wallet & Identity Layer
The wallet layer provides:
Non-custodial crypto wallet management
Cross-chain token support, including $VLX and stablecoins
Integration with Telegram identity (via
telegram_id)RWA-aware profile enrichment (e.g., spending history, behavior-based scores)
Each user is represented by a ValoraX Digital Card, which combines both wallet and identity data to serve as the user's spending interface.
3. Simulation Engine
Before any payment is executed, the simulation engine runs predictive modeling using:
Real-time on-chain data (token prices, gas fees, liquidity conditions)
Off-chain merchant data (exchange rates, loyalty program rules, discount eligibility)
AI-generated decision matrices (optimal token, timing, method)
This simulation layer allows users to preview the full context of a transaction, reducing uncertainty and building confidence.
4. Execution & Settlement Layer
This layer handles:
Token transfers and gas abstraction
Routing through DEXs, bridges, or payment providers
Optional fiat conversion through Web2 card partners (in future phase)
On-chain event logging for transparency and auditability
ValoraX abstracts much of the complexity, offering users one-click execution even for multi-step settlement paths.
4.2 User Interface: Telegram Mini-App
ValoraX leverages Telegram’s WebApp framework to deliver:
Onboarding without any app install
Real-time wallet and card views
In-app transaction simulation and sharing
Referral system with link-based identity mapping
The interface is optimized for mobile-first usage and can be easily adapted for future deployment in other mini-app ecosystems or browser extensions.
4.3 External Integrations
The platform is designed to interface with:
RWA protocols: To enrich AI logic with off-chain financial indicators
Web2 card partners: For fiat ramp-in/out and physical card issuance
DeFi ecosystems: For liquidity, swaps, and staking
Merchant APIs: For loyalty programs, discount data, and real-time pricing
These integrations ensure that ValoraX remains extensible and relevant across both Web3-native and traditional financial environments.
4.4 Security & Privacy
All user data is processed under encryption
Wallet operations are non-custodial
Telegram authentication is validated via secure hash verification
No sensitive data is stored without explicit user consent
Simulation results are sandboxed and never broadcast without approval
Through this architecture, ValoraX delivers a unified system where AI, blockchain, and real-world commerce converge to create a new standard in crypto utility.
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