> For the complete documentation index, see [llms.txt](https://onex-3.gitbook.io/onex-document/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://onex-3.gitbook.io/onex-document/features-ux.md).

# Features ux

## 7.1 Universal Payment Infrastructure

ONEx makes sending money anywhere in the world as simple as sending a message.

| Payment Rail           | Supported          | Settlement Time |
| ---------------------- | ------------------ | --------------- |
| SWIFT                  | Yes                | 1–3 days        |
| SEPA                   | Yes                | Same day        |
| UPI (India)            | Yes                | Instant         |
| PromptPay (Thailand)   | Yes                | Instant         |
| GoPay (Indonesia)      | Yes                | Instant         |
| M-Pesa (Kenya/Africa)  | Yes                | Instant         |
| ACH (US)               | Yes                | 1–2 days        |
| ATM Network            | 50M+ ATMs globally | Instant         |
| Stablecoin (USDC/USDT) | Yes                | <60 seconds     |
| Crypto (BTC/ETH)       | Yes                | Minutes         |

**Crypto-optional design:** Every payment looks like a regular bank transfer to the recipient. The blockchain infrastructure is invisible.

***

## 7.2 Multi-Asset Wallet

ONEx holds every asset class in one place:

| Asset Class                 | Examples                                                                                                          |
| --------------------------- | ----------------------------------------------------------------------------------------------------------------- |
| Fiat currencies             | INR, USD, AED, EUR, GBP, SGD, PHP, NGN, EGP, PKR, BDT, 20+ more                                                   |
| Stablecoins                 | USDC, USDT, EURC, XSGD, ONEx Stablecoins (where licensed)                                                         |
| Cryptocurrencies            | BTC, ETH, SOL, BNB, MATIC, AVAX, 100+ assets                                                                      |
| Tokenized Real-World Assets | Gold, Real Estate, Carbon Credits, Trade Finance, T-Bills, Private Credit, Agricultural Commodities, IP Royalties |
| ONEx Native Token           | Utility, governance, staking, fee discount                                                                        |

***

## 7.3 Smart Account Features

### 7.3.1 MPC-TSS Key Management — CGGMP21 Protocol

ONEx uses Multi-Party Computation Threshold Signature Scheme (MPC-TSS) for key management. Unlike traditional multi-sig, MPC-TSS:

* Produces a single on-chain signature (no gas overhead vs. multi-sig)
* Requires no on-chain record of individual key holders
* Allows key refresh every 30 days (old shares become mathematically invalid)
* Enables recovery without ever reconstructing the full private key

**Key distribution (2-of-3 default):**

* Share 1: User device (secure enclave)
* Share 2: ONEx distributed infrastructure (HSM-protected)
* Share 3: User-chosen guardian (friend, hardware wallet, or cloud backup — encrypted)

### 7.3.2 ERC-4337 Account Abstraction

Smart account capabilities beyond a standard EOA wallet:

| Feature              | Description                                     |
| -------------------- | ----------------------------------------------- |
| Gas sponsorship      | ONEx can pay gas for users (gasless experience) |
| Session keys         | Agents act within bounded permissions           |
| Batched transactions | Multiple actions in one transaction             |
| Social recovery      | Trusted guardians can restore access            |
| Spending limits      | Hard daily/weekly/per-transaction caps          |
| Passkey signer       | Log in with biometrics, no seed phrase          |
| Time locks           | Delay large transactions for review             |

### 7.3.3 ERC-7579 Modular Plugin System

The smart account is extensible. New functionality plugs in as modules without redeploying the core account:

* Yield optimization modules
* Tax tracking modules
* Sharia compliance enforcement modules
* Inheritance scheduling modules
* Business expense categorization modules

***

## 7.4 Transaction Simulation

**Every transaction is fully simulated** in a sandboxed environment before signing. The user sees:

* Exact outcome (net token changes)
* MEV risk rating
* Contract audit status
* Specific risk warnings (e.g., unlimited token approvals)
* Gas cost estimate with confidence interval
* Estimated confirmation time

No transaction executes until the user has seen its complete impact.

***

## 7.5 Pre-Transaction Security Engine (6 Layers)

Before any transaction can execute, it passes through six independent security checks:

| Layer                  | Check                                                            |
| ---------------------- | ---------------------------------------------------------------- |
| 1. Contract Screening  | Known malicious contract database + unaudited contract flagging  |
| 2. Simulation          | Full transaction simulation in sandbox — shows exact outcome     |
| 3. Phishing Detection  | AI analysis of transaction patterns against phishing signatures  |
| 4. Approval Analysis   | Flags unlimited token approvals and suspicious approval patterns |
| 5. MEV Risk            | Rates sandwich attack probability and estimated loss             |
| 6. Sanctions Screening | Real-time OFAC/EU/UN sanctions check on all counterparties       |

If any layer raises a concern, the user is warned before signing. The user retains the right to proceed — but the warning is unavoidable.