5.1 Three Core Layers

Veil is built on three integrated layers that together form a unified financial OS.

Layer 1: Fiat & Banking Rails

• Account infrastructure (multi-currency, individual/corporate)

• Banking partnerships (licensed custodians, EMIs)

• Payment rails (wires, FX, settlement)

• Card issuance (virtual + physical)

• Payment processing (merchant links, settlement options)

• API-first for B2B partners

Outcome: Global, compliant banking services with integrated on/off-ramps and card spending.

Layer 2: On-Chain DeFi Infrastructure

• Privacy Swaps with best-price routing

• Bridges across intra-chains and cross chains

• Integrations with lending, staking, and yield protocols

• Liquidity routing and non-custodial options

• Universal stablecoin payment links (P2P, merchants, B2B, DAOs)

Outcome: Deep, composable on‑chain liquidity, yield, and seamless payment flows.

Layer 3: Privacy + Agentic Intelligence

• Privacy mechanisms (selective disclosure, ZK proofs, minimal data)

• Compliance framework (AML/KYC, monitoring, SAR/STR workflows)

• AI agents for budgeting, rebalancing, treasury, automation

• Agentic logic with programmable rules and guardrails

Outcome: User‑controlled privacy, enforced compliance, and autonomous financial optimization.