PX – ProetorX Wallet Validator

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Tagline

Verified First, Trusted Later

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Description

ProetorX (PX) is an open-source, compliance-first, stateless XRPL wallet validator and risk assessment engine powered by ADC CryptoGuard.

PX is designed for Ripple XRPL Grants and the BDAX Accelerator. It validates XRPL wallets, scores risk with AI, exports ISO 20022 XML, and is ready for Real-World Asset (RWA) tokenization.

PX is not a blockchain validator node — it is a compliance layer:

• Validates and risk-scores wallets
• Detects scam/suspicious patterns
• Exports audit-ready XML in ISO 20022 for banks, auditors, and regulators

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Features

• XRPL Wallet Validation: balance, flags, owner count; robust API fallback
• AI Risk Scoring: scikit-learn stub (v1); pluggable model (v2)
• ISO 20022 Export: generate pain.001 (and pacs.008 roadmap) for compliance/reporting
• RWA Module: eligibility stub (v2 expansion)
• Metrics Dashboard: cumulative validations, avg response time, last items (anonymized)
• Stateless & Secure: no sensitive data stored; strict headers/CORS; TLS-ready
• Modern UI: responsive dark/light, clean components, quality badges

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Why ISO 20022 Matters

ISO 20022 is the global standard for financial messaging used by banks, SWIFT, and regulators.

• Defines formats like pain.001 (payment initiation) and pacs.008 (payment clearing).
• Since 2025, SWIFT and EU banks have migrated to ISO 20022 for cross-border payments.
• Without ISO, blockchain data appears “alien” to banks — making adoption harder.

PX bridges this gap by exporting XRPL wallet data directly in ISO 20022 XML:

• Compliance officers can review blockchain transactions in familiar formats.
• Auditors can map blockchain data into existing banking systems.
• Regulators can trust blockchain data because it matches their standard.

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Architecture

flowchart TD
    A[User Input] --> B[Frontend UI]
    B --> C[Backend API]
    C --> D[XRPL Handler]
    D --> E[Risk Engine]
    D --> F[ISO 20022 Export]
    E --> G[RWA Module]
    F --> G
    G --> H[Metrics & Logs]
    H --> I[Dashboard]

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Team & Governance

Core Team

• Muhammad Yusri Adib — Founder / CTO
  Focus: architecture, AI risk engine, XRPL integrations, ISO 20022 exporter.
  Commitment: Full-time.
  LinkedIn

• Muhammad Mustafa, CPA, CFE, CMA, CIA — Co-Founder / Finance & Compliance Lead
  Focus: governance, audit & reporting, budget control, regulatory alignment.
  Commitment: Full-time.
  LinkedIn

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Roadmap

• Milestone 1 (MVP): Wallet validation, basic risk score, ISO XML export ✅
• Milestone 2 (3–6 mo): Supervised ML model, RWA eligibility v1, Sonar/InfoSec audit
• Milestone 3 (6–12 mo): Production deployment, enterprise API (keyed), observability (Sentry)
• Milestone 4 (12–18 mo): Multi-chain modules (ETH/Hedera/Kadena), ISO 20022 advanced (pacs.008, camt.053), pilots with FIs

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Use Cases

• Compliance Officers: Pre-transaction wallet checks; ISO XML export for audits
• Auditors / Regulators: Risk insights and standardized reporting
• Financial Institutions: Bridge XRPL data to banking systems (ISO 20022)
• Developers / Communities: Tooling for XRPL Malaysia & regional ecosystems

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Traction

Current traction (early stage):

• ✅ MVP deployed — live demo running on Render
• ✅ Open-source repo active on GitHub with SonarCloud quality scans
• ✅ 50+ repo clones and 200+ unique visitors (GitHub traffic, August 2025)
• ✅ ISO 20022 pain.001 XML export tested successfully
• ✅ Built on top of ADCX Lab validator family (CryptoGuard XRPL, GuardianX Kadena, HGuard Hedera) — proven capability to ship multiple compliance tools

PX is positioned for ecosystem validation and adoption through BDAX Accelerator support.

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Roadmap & Scaling Plan

Phase 1 (MVP – already live):

• XRPL wallet validation (balance, flags, owner count)
• Basic AI stub for risk scoring
• ISO 20022 pain.001 XML export
• Stateless backend (FastAPI) deployed on Render demo

Phase 2 (After funding, 3–6 months):

• Upgrade to supervised ML model (XGBoost / PyTorch with explainability)
• RWA eligibility v1 + blacklist heuristics + destination tag checks
• Security hardening: SonarQube scan, dependency audit, caching for XRPL APIs

Phase 3 (After funding, 6–12 months):

• Enterprise API gateway (API keys, rate-limit, SLA tiers)
• Metrics database migration (Postgres) + observability dashboards
• Strategic partnerships with fintech/remittance players
• Optional on-prem deployment for enterprise users

Phase 4 (After funding, 12–18 months):

• ISO 20022 full suite (pacs.008, camt.053, advanced reporting)
• Multi-chain expansion (ETH, Hedera, Kadena)
• Pilots with banks, regulators, and RegTech providers in Malaysia & SEA

✅ Current MVP shows feasibility.
🚀 Grant funding will accelerate PX into a production-grade compliance bridge for XRPL and beyond.

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Monetization

1. Public Freemium
   • Free: validate + basic risk score
   • Pro: advanced insights, ISO XML export, priority endpoints
2. SaaS API Tiers
   • Dev: $29/mo (10k validations + ISO export)
   • Business: $199/mo (higher limits + ISO export)
   • Enterprise: custom SLA, private endpoints, on-prem option
3. Compliance-as-a-Service (B2B)
   • Embed PX engine into fintech/remittance flows
   • Integrations with RegTech/AML tools
4. Grants & Ecosystem Support
   • XRPL Grants / BDAX seed to accelerate v2, then subscription revenue

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Setup

1. Clone

   git clone https://github.com/ADCoinX/ProetorX.git && cd ProetorX

2. Install

   pip install -r requirements.txt

3. Run

   uvicorn app:app --reload --port 8080

4. Visit http://localhost:8080

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API Examples

Validate Wallet

curl -X POST http://localhost:8080/validate \
  -H 'Content-Type: application/json' \
  -d '{"wallet":"rEXAMPLEADDRESS"}'

Export ISO XML

curl -X POST http://localhost:8080/export_iso \
  -H 'Content-Type: application/json' \
  -d '{"wallet":"rEXAMPLEADDRESS"}' \
  -o pain001_rEXAMPLEADDRESS.xml

Metrics

curl http://localhost:8080/metrics

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Security & InfoSec

• Stateless processing (no private keys; no full address storage in metrics)
• Security headers + CSP; strict static serving; input sanitization
• CORS restricted to required methods/headers; TLS-ready deployment
• SonarCloud / dependency checks planned; logs anonymized

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Screenshots

Grant reviewers: Demo screenshots available on request.
(Replace this section with real UI screenshots once ready.)

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Example ISO 20022 XML

PX can generate ISO 20022 pain.001 XML. Example:

<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pain.001.001.03">
  <CstmrCdtTrfInitn>
    <GrpHdr>
      <MsgId>PX-SAMPLE-20250906T000000Z</MsgId>
      <CreDtTm>2025-09-06T00:00:00Z</CreDtTm>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>12.34</CtrlSum>
      <InitgPty>
        <Nm>PX Sample Generator</Nm>
      </InitgPty>
    </GrpHdr>
    <PmtInf>
      <PmtInfId>PX-PMT-001</PmtInfId>
      <PmtMtd>TRF</PmtMtd>
      <BtchBookg>false</BtchBookg>
      <NbOfTxs>1</NbOfTxs>
      <CtrlSum>12.34</CtrlSum>
      <ReqdExctnDt>2025-09-06</ReqdExctnDt>
      <Dbtr>
        <Nm>XRPL Wallet Debtor</Nm>
      </Dbtr>
      <DbtrAcct>
        <Id>
          <Othr>
            <Id>rEXAMPLEWALLETDEBTORXXXXXXXXXXXXXXX</Id>
          </Othr>
        </Id>
        <Ccy>XRP</Ccy>
      </DbtrAcct>
      <CdtTrfTxInf>
        <PmtId>
          <EndToEndId>PX-E2E-0001</EndToEndId>
        </PmtId>
        <Amt>
          <InstdAmt Ccy="XRP">12.34</InstdAmt>
        </Amt>
        <Cdtr>
          <Nm>XRPL Wallet Creditor</Nm>
        </Cdtr>
        <CdtrAcct>
          <Id>
            <Othr>
              <Id>rEXAMPLEWALLETCREDITORXXXXXXXXXXXX</Id>
            </Othr>
          </Id>
          <Ccy>XRP</Ccy>
        </CdtrAcct>
        <RmtInf>
          <Ustrd>Sample ISO 20022 payment initiation generated by PX</Ustrd>
        </RmtInf>
      </CdtTrfTxInf>
    </PmtInf>
  </CstmrCdtTrfInitn>
</Document>

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License

See LICENSE.