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

# Technical architecture

| Functional Module                    | Key Features                                                                                                                                                                 | Technical Implementation                                                                                                                               | Remarks                                                                                                                                                              |
| ------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Cross-Border Payment Network**     | <p>• <strong>Ultra-Low 0.5% Transaction Fee</strong><br>• <strong>Real-Time Computing Power Rewards Distribution</strong><br>• <strong>Multi-Currency Auto-Swap</strong></p> | <p>• Hierarchical Deterministic Wallet Architecture (HD Wallet)<br>• Hybrid Liquidity Pool Routing Algorithm<br>• Cross-Chain Atomic Swap Protocol</p> | <p>Supports fiat gateways for <strong>100+ countries</strong>.<br>Intelligently matches the optimal exchange rate path.<br>Includes major stablecoins and CBDCs.</p> |
| **Asset Tokenization Platform**      | <p>• <strong>Listed Company Stock Backing</strong><br>• <strong>Dynamic Computing Power Allocation</strong><br>• <strong>Equity Fragmentation & Exchange</strong></p>        | <p>• RWA Digital Certificate Generation Protocol (ERC-3525)<br>• Enhanced Proof-of-Stake Consensus (PoSP)<br>• Decentralized Exchange Module (DEX)</p> | <p><strong>1 Certificate = 0.0001 Share</strong> of stock.<br>Allocation is pegged to market cap and liquidity.<br>Supports limit orders and flash swaps.</p>        |
| **Compliant Risk Control Framework** | <p>• <strong>Licensed Custodian Oversight</strong><br>• <strong>Smart Contract Permission Tiers</strong></p>                                                                 | <p>• Multi-Signature Cold Wallet System<br>• Programmable Regulatory Module (RegTech SDK)</p>                                                          | <p>Features <strong>daily automated balance auditing</strong>.<br>Compliant with Hong Kong SFC Type 7 license requirements.</p>                                      |


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