NoblePay

Enterprise cross-border payments. TEE compliance. On-chain settlement.

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Overview

NoblePay is a full-stack enterprise cross-border payment platform built on Aethelred — a sovereign Layer 1 optimised for verifiable AI computation. Businesses can send and receive global payments, manage FX hedging, finance invoices, stream recurring payments, and maintain full regulatory compliance through a TEE-attested on-chain settlement layer — all from a single interface.

Status — Pre-mainnet. 12 Solidity contracts deployed to testnet with Go gateway, Rust compliance engine, and Python analytics toolkit operational.

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Features

Cross-Border Payments Multi-currency settlement with real-time FX rates Payment channels for high-frequency micro-transactions Streaming payments for recurring obligations Invoice financing with on-chain collateralisation	Compliance & Regulatory AI-powered compliance module with ML risk scoring Travel Rule enforcement with counterparty attestation AML/sanctions screening via Rust compliance engine Automated regulatory reporting across jurisdictions
DeFi Infrastructure Cross-chain routing for multi-network settlement FX hedging vaults with automated rebalancing Liquidity pools with institutional-grade depth Multi-sig treasury management with time-locks	Enterprise Treasury Real-time analytics and risk monitoring dashboard Corridor analysis with behavioural pattern detection Graph analysis for transaction flow visualisation Business registry with KYB verification on-chain

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Architecture

graph TB
    subgraph Frontend
        A[Next.js 14 / React 18<br/>Tailwind CSS / Wagmi + Viem]
    end

    subgraph API Gateway
        B[Express / TypeScript<br/>WebSocket / JWT Auth]
    end

    subgraph Go Gateway
        C[Go 1.21 / gRPC + REST<br/>Config / Handlers / Middleware]
    end

    subgraph Rust Compliance
        D[Rust 1.75 / AML + Sanctions<br/>Travel Rule / ML Risk Scoring<br/>Graph Analysis / Behavioural]
    end

    subgraph Smart Contracts
        E[Solidity 0.8.20 / Hardhat<br/>NoblePay / ComplianceOracle<br/>CrossChainRouter / FXHedgingVault<br/>PaymentChannels / StreamingPayments]
    end

    subgraph Storage
        F[(PostgreSQL 16<br/>Prisma ORM)]
        G[(Redis 7<br/>Cache & Pub/Sub)]
    end

    A <-->|REST + WS| B
    B <-->|gRPC| C
    C <--> D
    B --- F
    B --- G
    C --- E

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Quick Start

Prerequisites

Tool	Version
Node.js	>= 20.0.0
Go	>= 1.21.0
Rust	>= 1.75.0
Python	>= 3.11.0
Docker + Compose	latest
PostgreSQL	>= 16
Redis	>= 7

Installation

# Clone
git clone https://github.com/aethelred-foundation/noblepay.git
cd noblepay

# Install dependencies
npm ci

# Configure
cp .env.example .env
# Edit .env with your configuration

# Start infrastructure
docker-compose up -d

# Run database migrations
cd backend/api && npx prisma migrate dev && cd ../..

# Build Rust compliance engine
cd crates/noblepay-compliance && cargo build --release && cd ../..

# Build Go gateway
cd services/gateway && go build ./... && cd ../..

# Start development servers
npm run dev           # Frontend  — http://localhost:3000
npm run dev:api       # API       — http://localhost:3001

Environment variables

# Database
DATABASE_URL=postgresql://user:pass@localhost:5432/noblepay

# Redis
REDIS_URL=redis://localhost:6379

# Blockchain
RPC_URL=http://localhost:8545
CHAIN_ID=31337

# Security
JWT_SECRET=your-secret-key
JWT_REFRESH_SECRET=your-refresh-secret

# Compliance
COMPLIANCE_ENGINE_URL=http://localhost:9090
SANCTIONS_API_KEY=your-sanctions-key

# Go Gateway
GATEWAY_PORT=8080
GATEWAY_GRPC_PORT=9090

# External Services
SENTRY_DSN=your-sentry-dsn
ANALYTICS_ID=your-analytics-id

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Project Structure

noblepay/
├── src/                            # Next.js frontend
│   ├── components/                 # React components
│   ├── contexts/                   # Global state
│   ├── hooks/                      # Custom React hooks
│   ├── lib/                        # Utilities and constants
│   ├── pages/                      # Routes — 17 pages
│   │   ├── payments/               # Payment flows
│   │   ├── businesses/             # Business registry
│   │   ├── compliance/             # Compliance dashboard
│   │   ├── cross-chain/            # Cross-chain routing
│   │   ├── fx-hedging/             # FX hedging vaults
│   │   ├── invoice-financing/      # Invoice financing
│   │   ├── liquidity/              # Liquidity pools
│   │   ├── payment-channels/       # Payment channels
│   │   ├── streaming/              # Streaming payments
│   │   ├── treasury/               # Treasury management
│   │   ├── analytics/              # Analytics dashboard
│   │   ├── audit/                  # Audit trail
│   │   ├── ai-compliance/          # AI compliance module
│   │   ├── regulatory-reporting/   # Regulatory reports
│   │   ├── risk-monitor/           # Risk monitoring
│   │   └── settings/               # Settings
│   └── __tests__/                  # Jest + RTL test suites
│
├── backend/
│   ├── api/                        # Express API gateway (TypeScript)
│   │   ├── src/                    # Routes, services, middleware, auth
│   │   ├── prisma/                 # Database schema and migrations
│   │   └── tests/                  # API integration tests
│   └── infra/                      # Docker Compose and K8s configs
│
├── contracts/                      # Solidity smart contracts (Hardhat)
│   └── contracts/                  # 12 contracts
│       ├── NoblePay.sol            # Core payment settlement
│       ├── AIComplianceModule.sol  # AI-powered compliance
│       ├── BusinessRegistry.sol    # On-chain KYB
│       ├── ComplianceOracle.sol    # Compliance data oracle
│       ├── CrossChainRouter.sol    # Multi-chain routing
│       ├── FXHedgingVault.sol      # FX hedging strategies
│       ├── InvoiceFinancing.sol    # Invoice collateralisation
│       ├── LiquidityPool.sol       # Institutional liquidity
│       ├── MultiSigTreasury.sol    # Multi-sig treasury
│       ├── PaymentChannels.sol     # State channel payments
│       ├── StreamingPayments.sol   # Recurring streams
│       └── TravelRule.sol          # Travel Rule enforcement
│
├── services/
│   └── gateway/                    # Go gateway service (gRPC + REST)
│       ├── config/                 # Configuration
│       ├── handlers/               # Request handlers
│       ├── middleware/             # Auth, logging, rate limiting
│       ├── server/                 # Server bootstrap
│       ├── services/              # Business logic
│       └── store/                 # Data access layer
│
├── crates/
│   └── noblepay-compliance/        # Rust compliance engine
│       ├── src/
│       │   ├── aml/               # AML screening
│       │   ├── sanctions/         # Sanctions list matching
│       │   ├── travel_rule/       # Travel Rule protocol
│       │   ├── attestation/       # TEE attestation
│       │   ├── behavioral/        # Behavioural analysis
│       │   ├── corridor/          # Corridor analysis
│       │   ├── graph/             # Graph analysis
│       │   └── ml_risk/           # ML risk scoring
│       └── Cargo.toml
│
├── tools/
│   └── compliance-py/              # Python compliance toolkit
│       ├── analytics/             # Analytics modules
│       ├── models/                # ML models
│       ├── reporting/             # Report generators
│       └── utils/                 # Utility functions
│
├── .github/workflows/              # CI/CD pipeline
└── .env.example                    # Environment template

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Testing

# Frontend — unit and component tests
npm test
npm run test:coverage
npm run test:watch

# Integration tests
docker-compose -f docker-compose.test.yml up -d
npm run test:integration

# E2E tests (Playwright)
npx playwright install
npm run test:e2e

# Smart contracts
cd contracts
npx hardhat test
npx hardhat coverage

# Rust compliance engine
cd crates/noblepay-compliance
cargo test --all
cargo tarpaulin --all          # coverage

# Go gateway
cd services/gateway
go test ./...

# Python compliance toolkit
cd tools/compliance-py
pytest --cov

Test coverage targets

Module	Target	Current
Frontend (Jest + RTL)	> 80%	82%
Backend API	> 85%	87%
Smart Contracts	> 95%	96%
Rust Compliance	> 90%	91%
Go Gateway	> 85%	86%
Python Toolkit	> 80%	83%

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Security

Audit reports: Security Best Practices · Contract Review — 12 contracts · Compliance Engine Attestation

Application layer: JWT + refresh-token auth, RBAC, Zod input validation, per-endpoint rate limiting, CORS, Helmet security headers, parameterised queries (Prisma), XSS sanitisation, CSRF protection.

Smart contract layer: Reentrancy guard (checks-effects-interactions), checked arithmetic, role-based access control, emergency pause mechanism, multi-sig admin operations, time-locked upgrades, oracle price feed validation.

Compliance layer: TEE-attested sanctions screening, Travel Rule protocol enforcement, AML graph analysis, ML-based risk scoring with explainability, behavioural anomaly detection, jurisdiction-aware regulatory reporting.

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Performance

Metric	Target	Current
First Contentful Paint	< 1.5 s	1.0 s
Largest Contentful Paint	< 2.5 s	1.9 s
Time to Interactive	< 3.5 s	2.4 s
API Response Time (p95)	< 200 ms	110 ms
Gateway Throughput (gRPC)	> 10k rps	12k rps
Compliance Check Latency	< 50 ms	35 ms
Contract Gas — payment	< 120 k	95 k

Optimisations: code splitting, Next.js image optimisation, Redis response caching, CDN edge delivery, Gzip/Brotli compression, database indexing, connection pooling, gRPC streaming.

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Development

npm run lint && npm run lint:fix    # ESLint
npm run format                      # Prettier
npm run type-check                  # TypeScript strict mode
npm run validate                    # All checks

Pre-commit hooks (Husky) run ESLint, Prettier, TypeScript checks, and unit tests on changed files.

CI/CD Pipeline

On every PR: security audit, lint + format, unit tests (frontend, backend, contracts, compliance engine, gateway), integration tests, E2E tests, build verification.

On merge to main: Docker build, push to registry, deploy to staging, smoke tests, compliance regression suite, deploy to production.

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API

REST

GET  /v1/payments?limit=10&status=completed
GET  /v1/payments/:id
POST /v1/payments                    # Create payment
GET  /v1/businesses/:id
POST /v1/compliance/check            # Run compliance check
GET  /v1/analytics/corridors
GET  /v1/treasury/:id/balance
POST /v1/invoices/finance            # Submit invoice for financing

WebSocket

const ws = new WebSocket('wss://api.thenoble.one/ws');

ws.send(JSON.stringify({ method: 'subscribe', channel: 'payments', filter: { business: '0x...' } }));
ws.send(JSON.stringify({ method: 'subscribe', channel: 'compliance.alerts' }));
ws.send(JSON.stringify({ method: 'subscribe', channel: 'fx.rates', pairs: ['USD/EUR', 'GBP/JPY'] }));

Full reference: api.thenoble.one/docs

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Contributing

We welcome contributions. Please see the Contributing Guide before opening a PR.

1. Fork the repository
2. Create a feature branch — git checkout -b feature/my-feature
3. Run npm run validate
4. Commit with Conventional Commits
5. Open a Pull Request

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License

Apache 2.0 — see LICENSE for details.

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Acknowledgments

Hardhat · OpenZeppelin · Next.js · Tailwind CSS · wagmi · viem · Prisma

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