> 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/solution.md).

# Solution

## 3.1 What ONEx Is

ONEx is a Web3 AI Wallet — a personal financial operating system that gives every user:

* **A self-custody multi-asset wallet** — holding fiat, stablecoins, cryptocurrencies, and tokenized real-world assets
* **An AI financial brain** — providing intelligence, protection, zkML credit scoring, and autonomous management
* **A global payment network** — enabling borderless, near-instant, near-zero-cost transfers
* **A post-quantum decentralized identity** — a portable, private, verifiable financial identity
* **An ethical finance platform** — including Sharia-compliant alternatives across every product

{% content-ref url="/spaces/Qmb07cwIvtTJ0xfz6yHd/pages/c348a50f193f71cffcba4f5098515a5a1922e619" %}
[Staking yields](/onex-document/staking-yields.md)
{% endcontent-ref %}

***

## 3.2 Solution Architecture Overview

ONEx is structured as a 12-layer stack. Each layer is independently upgradeable with zero downtime. No single layer's failure brings down the system.

| Layer | Name                  | Function                                                               |
| ----- | --------------------- | ---------------------------------------------------------------------- |
| 1     | User Experience       | iOS, Android, Web, Browser Extension, Conversational AI                |
| 2     | AI Agent              | 7 Autonomous Financial Agents with session key execution               |
| 3     | Edge AI               | On-device intelligence — categorization, biometrics, anomaly detection |
| 4     | Cloud AI & zkML       | Federated learning, differential privacy, ZK-proven credit scoring     |
| 5     | PQ Identity & Privacy | W3C DID, Verifiable Credentials, ZK-proofs, MPC-TSS keys               |
| 6     | Smart Account         | ERC-4337 Account Abstraction, modular plugins, passkey signer          |
| 7     | Compliance & Risk     | Geo-adaptive regulation, real-time sanctions screening, AML/KYC        |
| 8     | Blockchain Settlement | Multi-chain EVM/Solana/Cosmos, intent-based execution, MEV protection  |
| 9     | Liquidity Engine      | JIT liquidity, AMM routing, solver network, AI route optimizer         |
| 10    | Fiat & Banking Rails  | Licensed partner network, card issuance, ATM access, mobile money      |
| 11    | Data Sovereignty      | User-owned encrypted vault, IPFS storage, consent manager              |
| 12    | HSM Layer             | FIPS 140-3 Level 3 HSMs, Trusted Execution Environments                |

***

## 3.3 The Seven AI Agents

ONEx deploys seven specialized AI agents, each operating within user-defined, user-revocable policy bounds:

| Agent                      | Function                                                                           |
| -------------------------- | ---------------------------------------------------------------------------------- |
| **Savings Agent**          | Automatically allocates surplus to optimal yield strategies within risk parameters |
| **Payment Agent**          | Executes scheduled and trigger-based payments, optimizes routing for minimum cost  |
| **Credit Agent**           | Manages credit applications, repayment scheduling, and credit score optimization   |
| **Investment Agent**       | Rebalances portfolio based on user-defined strategy and risk tolerance             |
| **Security Agent**         | Monitors all wallet activity and intervenes on anomalous patterns                  |
| **Compliance Agent**       | Ensures all transactions comply with applicable regulations in user's jurisdiction |
| **Tax & Compliance Agent** | Tracks taxable events, generates reports, flags optimization opportunities         |

**CRITICAL SECURITY PROPERTY:** The user can pause or revoke any agent instantly. No action outside user-defined policy is cryptographically possible. Session key scope is enforced at the smart contract level — not just in software.

***

## 3.4 Crypto-Optional Design

ONEx is designed so that blockchain is infrastructure, never imposed as UX. A user who wants to send money to their family in the Philippines does not need to know that USDC is being routed through Polygon, settled to PHP via a licensed partner, and delivered via GCash. They see: "Send $200 to Maria. Arrives in 3 minutes. Fee: $0.40."

The complexity is real. It is entirely invisible.

This design principle — **crypto as infrastructure, not experience** — is the key that makes global mass adoption possible.