Technology Stack

The AI-Native Architecture IA-Native

PaieCashCoin is built on a cloud-native, multi-chain, AI-agentic infrastructure. Every component is designed for scalability, security and global regulatory compliance.

The 5 PCC Protocol Layers

From blockchain to user experience

L1

Multi-Chain Blockchain Layer

Deployed simultaneously on Ethereum (ERC-20), Polygon (scalability), Stellar (fast payments) and Solana (high frequency). Smart contracts audited by CertiK and Quantstamp.

Ethereum ERC-20Polygon PoSStellar NetworkSolana SPL
L2

AI Proof of Reserve (PoR) Layer

Our proprietary AI engine queries custodian bank APIs every 45 seconds. It compares total reserves to circulating supply and publishes a proof hash on the blockchain. No human can alter this process.

Node.js + TypeScriptSupabase (Audit Trail)Chainlink PoR OraclesOpenAI GPT-4o
L3

CaaS (Card-as-a-Service) Layer

Instant virtual card issuance compatible with Apple Pay and Google Pay. Each card is linked to the fan's PCC wallet via our proprietary API. Secure tokenization compliant with PCI-DSS Level 1.

Apple Pay TokenizationGoogle Pay APIPCI-DSS Level 1Virtual Card Issuance
L4

Multilingual AI Concierge Layer

Conversational AI agent that automatically detects the user's phone language and responds in their native language. Real-time translation, 24/7 support in French, English, Spanish, Arabic and Portuguese.

IA Conversationnelle 24/7Détection Langue AutoFR / EN / ES / AR / PTSupport Transactions
L5

Application Layer (PaieCashFan)

React Native Super App deployed on iOS and Android. Integrates PCC wallet, e-SIM MVNO, stadium tickets, 10x BNPL and AI CRM. Backend on GCP/GKE with auto-scaling for 10M+ users.

React NativeGCP / GKEStripe ConnectApple Pay / Google Pay
Mobile Payments

Your PCC Card in your Mobile WalletMobile Wallet

The PaieCashCoin virtual card is instantly available in Apple Pay and Google Pay. Pay anywhere in the world without friction, directly from your smartphone.

🍎

Apple Pay

Instant tokenization of your PCC card in Apple Wallet. NFC contactless payment secured by Face ID / Touch ID. Compatible with iPhone, Apple Watch and Mac.

✓ NFC Sans Contact✓ Face ID / Touch ID✓ iPhone & Apple Watch✓ Tokenisation sécurisée
🤖

Google Pay

Add your PCC card to Google Wallet in seconds. NFC payment on all compatible terminals. Compatible with Android 6.0+ and Wear OS.

✓ NFC Sans Contact✓ Android 6.0+✓ Google Wallet✓ Wear OS
Security & Compliance

Global Regulatory Compliance Regulatory Compliance

MiCA (UE)

Conformité complète avec le règlement européen sur les marchés de crypto-actifs. Émetteur de monnaie électronique agréé.

KYC / AML

Vérification d'identité en temps réel via Railsr. Surveillance des transactions suspectes par IA (FATF compliance).

PCI-DSS Level 1

La plus haute certification de sécurité pour le traitement des données de cartes de paiement. Audité annuellement.

Smart Contract Audit

Tous les smart contracts audités par CertiK et Quantstamp avant déploiement. Rapports publics disponibles.

RGPD / DPDPA

Conformité RGPD européen et DPDPA indien. Données hébergées en Europe. Droit à l'oubli automatisé.

Multi-Signature

Toutes les transactions de réserve nécessitent 3/5 signatures des banques dépositaires partenaires.