Cross-Border Financial Services

Constitutional resolution of geo-region conflicts in international money transfers. Architecture that prevents the $11–17B annual failure problem.

USPTO Provisional #8 · ETH-2025-008-PROV · Filed Dec 5, 2025
$140B
Annual cross-border volume
8–12%
Transaction failure rate
$11–17B
Failed transactions / year
75–90%
Failure reduction target

What Happens Today

A person in Italy tries to send money to their family in the United States. Their VPN routes through a New York server. The system sees a US IP address but an Italian account. Conflict. The transfer routes to a physical store in Manhattan instead of a bank. Three days of failed customer service calls. No resolution. No updates. The family doesn't receive the money.

This happens millions of times per year. It costs families and businesses billions. No one has solved it at the architectural level -- until now.

Constitutional Geo-Region Arbitration

Live Scenario: Italy USA Transfer with VPN Conflict
M1User accesses from Italy (account region) via VPN showing New York IP. Geo-IP Account region. Conflict detected.
M11Identity validated. Account age: 3 years. Known device. Historical international access. Legitimacy score: 87 SEVERITY: LOW
M3Constitutional arbitration: Preserve human preference (bank transfer). Do not force physical pickup. Log decision. Full audit trail.
M7Localization adapted: Interface in Italian. Currency display: EURUSD. Regulatory disclosures: both Italy and US compliance.
M4Dual-region session established. Backend API facade routes to correct regional service. Fallback protocols active.
M12Financial operation routed: Bank transfer (user preference). Fallback: Wise. Fallback 2: PayPal. Transaction completes in 4 minutes.
M1
Intake
M3
Arbitration
M4
Orchestration
M7
Localization
M11
Identity
M12
Financial Ops

What's Inside

PRODUCT 1 · PATENT-BACKED

Cross-Border Geo-Region Conflict Resolution

Six-module constitutional system for detecting, arbitrating, and resolving conflicts between geographic location indicators and account registration regions. Handles entire classes of geo-region conflicts, not individual cases. Patent-pending.

BUYERS: Western Union · Wise · PayPal · Stripe · Revolut · Coinbase · Neobanks
PRODUCT 2 · INFRASTRUCTURE

Attribution & Provenance System

Creative asset attribution, provenance tracking, and rights management. Every asset, every modification, every hand that touched it -- traced, encrypted, immutable. Built from real holding company operational knowledge.

BUYERS: WPP · Dentsu · Omnicom · IPG · S4 Capital · Creative agencies · CDN/DAM platforms
PRODUCT 3 · UNIFIED SURFACE

MDM + PII Voice + RAG Upload + Case Studies

Master Data Management with voice-as-PII input (constitutional, not surveillance), retrieval-augmented generation from uploaded documents, and automated case study generation. One surface, four capabilities.

BUYERS: Enterprise SaaS · Financial institutions · Consulting firms · RegTech