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Phase-2

Phase-2

Phase 2 - Merchant Adoption, Voice UX and Real-Time Payments

  • Phase 2 is the commercialization phase. It moves Netrum-AI from foundational primitives into merchant-ready systems that enable voice-first wallets, AI-driven payment orchestration, and audited settlement rails.

Phase 2 objectives

  • Enable broad merchant adoption by shipping enterprise-grade merchant modules, voice-controlled wallets, and real-time AI payment processing. Provide deterministic settlement and reconciliation, auditable receipts, and configurable decentralization guarantees so merchants can replace or augment legacy payment rails with Web3-native primitives in high-confidence production settings.

Key deliverables and scope

  • • Voice-Controlled Wallet (Merchant Edition)
    Voice-first wallet UX for merchants with multi-currency support, passkey and enterprise authentication, spoken transaction confirmations, and nonce-based anti-replay.
    Business features: invoice creation by voice, refund initiation, settlement status queries, and batch payout orchestration.
  • • Advanced Merchant Module
    Hosted merchant console, programmable checkout SDKs, webhook integrations, ERP connectors (QuickBooks, Xero), and merchant dashboards for reconciliation and disputes.
    Support for soft-settlements, provisional settlements, and settlement policies (instant provisional / delayed finality).
  • • Real-Time AI Payment Engine
    Intelligent routing of payment flows across liquidity partners, relayers and on-chain routes using AI planners.
    Automated compliance checks, fraud scoring, slippage prediction and dynamic fee optimisation.
  • • Settlement & Reconciliation Fabric
    Deterministic settlement ledger, attested receipts, Merkle proof manifests, and downloadable GL-ready exports for merchant accounting.
    Reconciliation automation with exception handling and remediation suggestions.
  • • Economic & Policy Controls
    Merchant-configurable settlement policies (speed, decentralisation, cost), fee models, and merchant acceptance rules (risk thresholds, currency acceptance).
  • • Enterprise Compliance Package
    Pluggable KYC/KYB integrations, AML screening, audit bundles and required contractual templates for enterprise onboarding.
  • • Developer Tools & SDKs
    SDKs in JavaScript, Python and Java for checkout, webhook handling, reconciliation fetching and voice intent parsing for merchant operations.

Merchant UX and voice flows

  • Principles
    Keep voice interactions short, explicit and confirmable.

    • For any value-moving action require a least one strong confirmation (voice + passkey or voice + enterprise SSO) is required.

    • Provide a human fallback for complex flows or high-value exceptions.
  • Example voice scenarios
  • • Merchant Voice Settlement
    Merchant: “Settle invoice INV-2025-001 for 12,500 USDC to our bank partner.”
    Wallet asks: “Confirm settlement of 12,500 USDC to routing X. Say ‘confirm’ to proceed.”
    After confirmation, the Merchant Module requests provisional settlement, posts a signed attestation, and returns settlement_id and receipt_ref.
  • • Customer Voice Payment
    Customer: “Pay merchant Acme $40 in USDC.”
    Merchant wallet receives the payment request, AI planner selects optimal route, processes provisional settlement, and returns payment_confirmedwith optional on-chain anchor reference.

5. Payment orchestration and settlement models

  • Modes of settlement
  • • Fast Provisional Settlement
    Immediate merchant credit based on provisional receipts backed by attestation from the orchestrator and liquidity partner.
    Used when merchant accepts temporary credit risk for ultra-low latency.
  • • Final On-Chain Settlement
    Full on-chain settlement with verifier attestations and anchor.
    Higher latency but cryptographic finality.
  • • Hybrid Staged Settlement
    Provisional immediate credit, followed by final on-chain anchoring within merchant chosen window.

  • These merchant tools will go live and be available to the general public during Phase 2. Companies and early adopters will have the opportunity to test, integrate, and experience how Netrum-AI can make digital payments a voice-driven, seamless process.
    Phase 2 advances Netrum-AI's mass adoption by making these modules available. Setting the stage for a new era of AI-driven Web3 commerce, it lowers technical barriers and gives merchants access to state-of-the-art automation.

Next Steps

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