M Wallet Product architecture and government use case
MID-first digital account infrastructure

M Wallet connects verified identity, public services, and trusted digital payments.

M Wallet is not positioned as a conventional crypto wallet. It is a trusted digital account for verified residents and businesses, combining MID identity, digital credentials, official service payments, IBC account management, controlled swap, NFC cold signing, and future regulated settlement rails.

Open wallet prototype Read policy posture

Product architecture

The system is organized as layers. MID identity anchors account trust; wallets and IBC accounts sit above it; payments, credentials, official services, and security controls become capabilities of the same verified account.

01
Identity trust layerMID Credential, did:mid proof, KYC status, residency status, device binding, and recovery policy.
02
Account layerPersonal accounts, IBC company accounts, future merchant or agent accounts, each with separate balances, contacts, records, roles, and limits.
03
Payment and asset layerFCA, USDF, MXCD readiness, external assets, controlled swap, payment requests, receipts, and address verification.
04
Service and credential layerDigital credentials, IBC services, official fees, document filing, government broadcasts, and certificate storage.
05
Security and compliance layerPasskey, Face ID, NFC Vault Card, spending limits, role approvals, signed official channels, and policy-based warnings.
Verified payment flow
  1. Scan MID QR and add verified contact.
  2. Send payment request, note, receipt, or confirmation.
  3. Settle with USDF or FCA, with MID-linked receipt.
IBC service flow
  1. User switches from personal account to IBC account.
  2. Company role and authority are checked.
  3. Official invoice is paid and receipt is attached to the company record.
Credential issuance flow
  1. Authority verifies driver license, address, tax number, or company certificate.
  2. Credential is stored as a card in Credential Center.
  3. User shares limited proof instead of exposing full documents.
Vault signing flow
  1. Large transfer or company reserve withdrawal triggers extra security.
  2. User confirms with biometric authentication.
  3. NFC Vault Card signs the transaction before broadcast.

Core capabilities

Each feature is designed to support the government-facing story: trusted identity, verified rights, official payments, accountable business records, and secure custody.

MID

Identity account

Wallet access begins with MID Credential, not only a blockchain address. This makes every high-value action identity-aware.

QR

Payment conversation

QR contacts support structured messages: contact cards, requests, notes, receipts, and confirmations.

IBC

IBC account system

Companies receive separate wallets with roles, invoices, government fees, records, receipts, and vault reserve controls.

SWP

Controlled swap

Swap begins with FCA and USDF inside FC Chain, protected by MID checks, limits, receipts, and future MXCD routing.

ID

Credential Center

Digital ID, driver license, address proof, tax number, and company certificates live as Apple Wallet style cards.

NFC

MID Vault Card

NFC cold signing protects large payments, company reserves, long-term assets, and future MXCD treasury holdings.

GOV

Official channel

Government broadcasts, service invoices, renewals, and security alerts are signature checked before display.

EXT

External networks

BTC, ETH, TRON, Solana, and BNB Chain are supported as external assets without displacing the FC Chain story.

Capability matrix

The same product supports different stakeholders without changing its core logic. Residents, IBC companies, and public offices all interact through verified account rails.

Capability
Citizen or resident value
Government and business value
MID Credential
Verified access to wallet, credentials, payment contacts, and service eligibility.
Stronger digital onboarding, identity assurance, and service authorization.
Credential Center
Driver license, address proof, tax number, and residency cards stored together.
Reusable verified credentials reduce repeated document collection.
Official payments
Pay filing fees, renewal fees, and service invoices from verified wallet identity.
Receipts attach to case records and company records for cleaner audit trails.
IBC account
Manage personal and company accounts without mixing records or balances.
Company wallets support directors, agents, accountants, approvals, and statements.
Vault Card
Protect large transfers and long-term holdings with NFC card signing.
Company reserve custody can require role approval and hardware signing.

Policy-safe asset narrative

The asset story is deliberately hierarchical. FC Chain assets enable payment utility, while future Montserrat-denominated settlement remains subject to policy and approvals.

Recommended wording for USDF and MXCD

USDF is the USD-denominated payment rail of the FC Chain ecosystem, intended for early digital payment use cases and designed to remain capable of future interoperability with a regulated Montserrat dollar-denominated settlement asset such as MXCD, subject to all applicable approvals and policy decisions.

USDF should not be represented as legal tender, a government-issued currency, or an officially endorsed Montserrat stablecoin unless and until such status is formally approved by the relevant authorities.

FCANative FC Chain asset for network fuel, infrastructure, and chain operations.
USDFUSD-denominated payment token for early settlement and service fee usability.
MXCDFuture Montserrat-denominated digital settlement asset, subject to policy approval.

Government use cases

The wallet can be explained as a public-private digital account layer supporting verified residents, international business companies, and official digital services.

Digital resident account

A verified person can hold MID credentials, receive official messages, pay service fees, store cards, and prove selected facts without exposing full documents.

MID Credential Digital ID Address proof Tax number

IBC company account

An IBC receives a separate wallet space for company balances, filing invoices, government fee receipts, director roles, accountant access, and reserve custody.

Company wallet Roles Invoices Receipts

Official service payment

Government service invoices can arrive through a signed channel, be paid through a verified account, and produce receipts that attach back to service records.

Official broadcast USDF rail Receipt Audit trail

M Wallet stores verified rights, not just digital assets.

The strongest expression is not "a crypto wallet." It is a trusted account layer where identity, credentials, official payments, IBC records, secure custody, and future regulated settlement can operate through one resident and business infrastructure.