Reference Implementation BP-02

Programmable Money & CBDC Architecture

Reference architecture for wholesale CBDC substitutes, tokenized deposits, and programmable institutional money for settlement.

Executive Architecture

This blueprint models the backing of real-time settled tokens on DLT with central bank reserves via Treasury layer APIs.

Central Bank / Reserves
RTGS / T2

TFIN-MONY Layer
Treasury API & Oracles

DLT Network / Smart Contract
Regulated ERC-20 Standard

TFIN-MONY Data Mapping

Data Point	TFIN-MONY Field	DLT Mapping Type
Issuer Identifier / LEI	mony_issuer_lei	Address (Issuing Authority)
Backed Reserve Balance	mony_reserve_pool	Uint256 (Fiat Peg: EUR)
Velocity Control / Limits	mony_tx_limit_daily	Uint256 (Institutional Caps)