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Systems Architecture

High-Level Design Philosophy

Kredo follows a stateless-user architecture:

  • Users do not exist as stored entities on-chain

  • No addresses are associated with permissions

  • No balances are tracked per user

All persistent state belongs to the system, not individuals.

Core Architectural Components

1. Liquidity Fog Pool Layer Manages pooled capital and enforces invariant rules for liquidity usage.

2. Authorization Policy Layer Defines global and contextual rules governing spending permissions, limits, and constraints.

3. Zero-Knowledge Proof Verifier Validates user-generated proofs asserting compliance with authorization policies.

4. Intent Execution Engine Processes spending intents and releases liquidity when proofs are valid.

5. Governance & Policy Registry Allows controlled evolution of authorization standards without touching user-level state.

Stateless On-Chain Execution

When a payment occurs:

  • No user account is referenced

  • No balance is updated

  • No address is debited

The chain only verifies:

  • Proof validity

  • Policy compliance

  • Pool solvency

  • One-time intent execution

This dramatically reduces on-chain complexity while increasing expressive power at the authorization layer.

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