# 🏛️ WIA CBDC Standard

> **Universal Central Bank Digital Currency Framework for Global Interoperability**

![Version](https://img.shields.io/badge/version-1.0.0-green)
![License](https://img.shields.io/badge/license-MIT-blue)
![CBDC](https://img.shields.io/badge/CBDC-130%2B%20Countries-brightgreen)
![Standard](https://img.shields.io/badge/Standard-WIA--FIN--005-yellow)

---

## 📖 Overview

The **WIA Central Bank Digital Currency Standard (WIA-FIN-005)** provides a comprehensive, universal framework for implementing interoperable digital currencies issued by central banks. This standard ensures seamless cross-border CBDC transactions while maintaining monetary sovereignty, security, and privacy.

### Key Features

- ✅ **Universal Data Format**: Standardized transaction and wallet structures for all CBDC models
- ✅ **Quantum-Resistant Cryptography**: Future-proof security with CRYSTALS-Dilithium and Kyber
- ✅ **Cross-Border Settlement**: Atomic swaps, PvP, and liquidity pool mechanisms
- ✅ **Privacy by Design**: Zero-knowledge proofs, confidential transactions, tiered anonymity
- ✅ **Smart Contracts**: Programmable money with safety mechanisms and circuit breakers
- ✅ **Offline Payments**: Secure element-based transactions without internet connectivity
- ✅ **Multi-Model Support**: Retail, wholesale, and hybrid CBDC architectures
- ✅ **TypeScript SDK**: Production-ready with comprehensive type definitions
- ✅ **Compliance Framework**: AML/CFT, sanctions screening, tax reporting integration
- ✅ **Certification Program**: Three-tier certification for interoperability assurance

### Philosophy

**홍익인간 (弘益人間) (홍익인간)** - *Benefit All Humanity*

We believe digital money should serve all of humanity:

- **Financial Inclusion**: Enabling the unbanked to participate in the digital economy
- **Privacy Protection**: Balancing individual privacy with regulatory oversight
- **Monetary Sovereignty**: Allowing nations to maintain control over monetary policy
- **Security First**: Quantum-resistant cryptography and defense in depth
- **Open Standards**: Free, publicly available specifications without vendor lock-in
- **Global Cooperation**: Enabling cross-border payments while respecting national laws

---

## 🚀 Quick Start

### Installation

```bash
npm install @wia/cbdc
```

### Basic Usage

```typescript
import { WIACBDC, NetworkType, TransactionType } from '@wia/cbdc';

// Initialize CBDC SDK
const cbdc = new WIACBDC({
  cbdcId: 'digital-yuan',
  network: NetworkType.MAINNET,
  privateKey: process.env.CBDC_PRIVATE_KEY,
  features: {
    crossBorder: true,
    smartContracts: true,
    offlinePayments: true
  }
});

// Create a wallet
const wallet = await cbdc.createWallet({
  cbdcId: 'digital-yuan',
  type: 'non_custodial',
  owner: {
    type: 'individual',
    publicKey: '02a1b2c3d4e5f6...'
  }
});

console.log(`Wallet Created: ${wallet.data?.walletId}`);

// Make a transfer
const transfer = await cbdc.transfer({
  from: 'CN-1234567890',
  to: 'KR-9876543210',
  amount: '1000.00',
  privacy: {
    level: 'standard',
    technique: 'zksnark'
  },
  memo: 'Payment for goods'
});

console.log(`Transaction ID: ${transfer.data?.transactionId}`);

// Cross-border transfer
const crossBorder = await cbdc.crossBorderTransfer({
  from: 'CN-1234567890',
  to: 'EU-5555555555',
  sourceAmount: '7000.00',
  sourceCurrency: {
    code: 'CNY',
    cbdcId: 'digital-yuan',
    issuer: 'PBOC',
    precision: 2
  },
  targetCurrency: {
    code: 'EUR',
    cbdcId: 'digital-euro',
    issuer: 'ECB',
    precision: 2
  },
  mechanism: 'atomic_swap'
});

console.log(`Exchange ID: ${crossBorder.data?.exchangeId}`);
```

---

## 📁 Directory Structure

```
cbdc/
├── README.md                          # This file
├── spec/                              # Specification documents
│   ├── PHASE-1-DATA-FORMAT.md        # Transaction schemas, wallet formats
│   ├── PHASE-2-API.md                # REST & WebSocket APIs
│   ├── PHASE-3-PROTOCOL.md           # Cross-border protocols, consensus
│   └── PHASE-4-INTEGRATION.md        # WIA ecosystem integration
├── ebook/                             # Educational ebook
│   ├── en/                           # English version
│   │   ├── index.html                # Table of contents
│   │   └── chapter-*.html            # 8 comprehensive chapters
│   └── ko/                           # Korean version (한국어)
│       ├── index.html                # 목차
│       └── chapter-*.html            # 8개 챕터
├── api/                               # SDK implementations
│   └── typescript/                   # TypeScript SDK
│       ├── src/
│       │   ├── index.ts              # Main CBDC SDK class
│       │   └── types.ts              # Comprehensive type definitions
│       └── package.json              # NPM package configuration
├── simulator/                         # Interactive CBDC simulator
│   └── index.html                    # Web-based CBDC simulator
└── index.html                         # Standard homepage
```

---

## 💱 Core Features

### 1. Universal Transaction Format

WIA-FIN-005 defines a universal transaction format that works across all CBDC implementations:

```typescript
import { CBDCTransaction, TransactionType } from '@wia/cbdc';

const transaction: CBDCTransaction = {
  version: '1.0.0',
  standard: 'WIA-FIN-005',
  transactionId: 'tx_2025123100001234',
  timestamp: '2025-12-25T10:30:00.000Z',
  currency: {
    code: 'CNY',
    cbdcId: 'digital-yuan',
    issuer: 'PBOC',
    precision: 2
  },
  type: TransactionType.TRANSFER,
  sender: {
    walletId: 'CN-1234567890',
    publicKey: '02a1b2c3d4e5f6...',
    signature: '3045022100...'
  },
  recipient: {
    walletId: 'SG-9876543210',
    cbdcId: 'digital-sgd'
  },
  amount: {
    value: '1000.00',
    precision: 2
  },
  fee: {
    value: '0.10',
    payer: 'sender'
  },
  privacy: {
    level: 'standard',
    technique: 'zksnark',
    proof: '...'
  },
  metadata: {
    purpose: 'payment_for_goods',
    reference: 'INV-2025-001'
  },
  compliance: {
    aml: true,
    sanctions: 'checked',
    taxReporting: 'required'
  }
};
```

### 2. Wallet Management

Create and manage CBDC wallets with different models:

```typescript
// Non-custodial wallet (user controls keys)
const wallet1 = await cbdc.createWallet({
  cbdcId: 'digital-yuan',
  type: 'non_custodial',
  owner: {
    type: 'individual',
    publicKey: '02a1b2c3d4e5f6...'
  },
  features: {
    offlinePayments: true,
    smartContracts: true,
    crossBorder: true
  }
});

// Multi-signature wallet (requires multiple approvals)
const wallet2 = await cbdc.createWallet({
  cbdcId: 'digital-euro',
  type: 'multisig',
  owner: {
    type: 'business',
    publicKey: '03b2c3d4e5f6a7...'
  }
});

// Get wallet balance
const balance = await cbdc.getBalance({
  walletId: 'CN-1234567890',
  cbdcId: 'digital-yuan'
});

console.log(`Available: ${balance.data?.available}`);
console.log(`Pending: ${balance.data?.pending}`);
console.log(`Locked: ${balance.data?.locked}`);
```

### 3. Cross-Border Payments

Seamless cross-border CBDC transactions with multiple settlement mechanisms:

#### Atomic Swaps

```typescript
const swap = await cbdc.crossBorderTransfer({
  from: 'CN-1234567890',
  to: 'EU-5555555555',
  sourceAmount: '7000.00',
  sourceCurrency: {
    code: 'CNY',
    cbdcId: 'digital-yuan',
    issuer: 'PBOC',
    precision: 2
  },
  targetCurrency: {
    code: 'EUR',
    cbdcId: 'digital-euro',
    issuer: 'ECB',
    precision: 2
  },
  mechanism: 'atomic_swap',  // Trustless exchange
  maxSlippage: 0.5  // 0.5% max slippage
});

// Monitor exchange status
const status = await cbdc.getExchangeStatus(swap.data!.exchangeId);
console.log(`Status: ${status.data?.status}`);
console.log(`Exchange Rate: ${status.data?.exchangeRate}`);
```

#### Payment vs. Payment (PvP)

```typescript
// Large institutional transfer with PvP settlement
const pvp = await cbdc.crossBorderTransfer({
  from: 'BANK-CN-001',
  to: 'BANK-EU-001',
  sourceAmount: '10000000.00',  // 10 million CNY
  sourceCurrency: { code: 'CNY', cbdcId: 'digital-yuan', issuer: 'PBOC', precision: 2 },
  targetCurrency: { code: 'EUR', cbdcId: 'digital-euro', issuer: 'ECB', precision: 2 },
  mechanism: 'pvp'  // Coordinated settlement
});
```

### 4. Privacy-Preserving Transactions

Multiple privacy levels to accommodate different regulatory environments:

#### Tier 1: Full Privacy (Small Transactions)

```typescript
const privateTransfer = await cbdc.transfer({
  from: 'CN-1234567890',
  to: 'CN-0987654321',
  amount: '50.00',  // Under $100 equivalent
  privacy: {
    level: 'full_privacy',
    technique: 'zksnark',
    reveals: {
      amount: false,      // Hidden from public
      sender: false,      // Hidden from public
      recipient: false,   // Hidden from public
      timestamp: true     // Visible
    }
  }
});
```

#### Tier 2: Controlled Anonymity

```typescript
const controlledTransfer = await cbdc.transfer({
  from: 'CN-1234567890',
  to: 'SG-9876543210',
  amount: '500.00',  // $100-$1000 range
  privacy: {
    level: 'controlled',
    technique: 'ring_signature'
    // Pseudonymous, authorities can link if needed
  }
});
```

#### Tier 3: Standard Privacy

```typescript
const standardTransfer = await cbdc.transfer({
  from: 'CN-1234567890',
  to: 'EU-5555555555',
  amount: '5000.00',  // $1000-$10000 range
  privacy: {
    level: 'standard',
    technique: 'zksnark'
    // Amounts hidden, parties revealed
  }
});
```

### 5. Smart Contracts & Programmable Money

CBDC smart contracts with safety mechanisms:

```typescript
// Deploy a conditional payment contract
const contract = await cbdc.deployContract({
  cbdcId: 'digital-yuan',
  bytecode: '0x608060405234801561001057600080fd5b50...',
  abi: [
    {
      name: 'conditionalPay',
      type: 'function',
      inputs: [
        { name: 'recipient', type: 'address' },
        { name: 'amount', type: 'uint256' },
        { name: 'condition', type: 'bytes32' }
      ]
    }
  ],
  creator: 'CN-1234567890'
});

// Execute smart contract
const execution = await cbdc.executeContract(
  contract.data!.contractId,
  'conditionalPay',
  [
    'EU-5555555555',  // recipient
    '1000.00',        // amount
    '0xabc123...'     // condition hash
  ]
);
```

#### Time-Locked Payments

```typescript
// Payment that unlocks at specific time
const timeLocked = await cbdc.executeContract(
  'time-lock-contract-id',
  'lockPayment',
  [
    'KR-9876543210',              // recipient
    '10000.00',                   // amount
    '2025-12-31T23:59:59.000Z'   // unlock time
  ]
);
```

#### Recurring Payments

```typescript
// Subscription payment every 30 days
const subscription = await cbdc.executeContract(
  'subscription-contract-id',
  'createSubscription',
  [
    'MERCHANT-123',   // merchant
    '9.99',           // amount
    2592000           // 30 days in seconds
  ]
);
```

### 6. Offline Payments

Secure offline transactions using hardware secure elements:

```typescript
// Generate offline payment token
const offlineToken = await cbdc.generateOfflineToken({
  walletId: 'CN-1234567890',
  amount: '500.00',
  validUntil: '2025-12-26T00:00:00.000Z',
  maxUses: 10
});

// Token can be used offline on device with secure element
// Synchronizes when connection is restored
```

### 7. Payment Requests & QR Codes

Merchant payment integration:

```typescript
// Create payment request
const paymentRequest = await cbdc.createPaymentRequest(
  '99.99',          // amount
  'Coffee Shop',    // merchant
  {
    acceptedCBDCs: ['digital-yuan', 'digital-euro', 'digital-won'],
    expiresAt: new Date(Date.now() + 3600000).toISOString(),
    memo: 'Latte with oat milk'
  }
);

console.log(`QR Code: ${paymentRequest.data?.qrCode}`);

// Customer pays the request
const payment = await cbdc.payRequest(
  paymentRequest.data!.requestId,
  'CN-1234567890'  // from wallet
);
```

---

## 🔐 Security Features

### Quantum-Resistant Cryptography

WIA-FIN-005 uses post-quantum cryptographic algorithms:

| Algorithm | Purpose | Key Size | Security Level |
|-----------|---------|----------|----------------|
| CRYSTALS-Dilithium | Digital signatures (primary) | 2.5 KB | NIST Level 3 |
| FALCON | Compact signatures | 1.8 KB | NIST Level 5 |
| CRYSTALS-Kyber | Key encapsulation | 1.6 KB | NIST Level 3 |
| SHA3-256 | Hash functions | N/A | 256-bit |
| AES-256-GCM | Symmetric encryption | 256-bit | 256-bit |

### Multi-Layer Security

1. **Cryptographic Layer**: Quantum-resistant algorithms
2. **Network Layer**: TLS 1.3 with certificate pinning
3. **Application Layer**: API authentication, rate limiting
4. **Data Layer**: Encrypted at rest and in transit
5. **Hardware Layer**: HSM and secure element integration

### Compliance and Monitoring

```typescript
// Real-time compliance checking
cbdc.on('transaction', async (event) => {
  const tx = event.transaction;
  
  // Sanctions screening
  if (tx.compliance.sanctions !== 'checked') {
    console.warn('⚠️ Transaction not screened');
  }
  
  // AML checks
  if (parseFloat(tx.amount.value) > 10000) {
    console.log('🔍 Large transaction - enhanced monitoring');
  }
  
  // Tax reporting
  if (tx.compliance.taxReporting === 'required') {
    await reportToAuthorities(tx);
  }
});
```

---

## 🌐 Real-Time Events (WebSocket)

Subscribe to real-time CBDC events:

```typescript
// Connect to WebSocket
await cbdc.connect();

// Listen to all events
cbdc.on('*', (event) => {
  console.log('Event:', event);
});

// Transaction events
cbdc.on('transaction', (event) => {
  console.log(`New transaction: ${event.transactionId}`);
  console.log(`Status: ${event.status}`);
});

// Balance updates
cbdc.on('balance_update', (event) => {
  console.log(`Wallet: ${event.walletId}`);
  console.log(`Old Balance: ${event.oldBalance.value}`);
  console.log(`New Balance: ${event.newBalance.value}`);
});

// System events
cbdc.on('system', (event) => {
  if (event.severity === 'critical') {
    console.error('🚨 Critical system event:', event.message);
  }
});

// Disconnect when done
cbdc.disconnect();
```

---

## 📊 Statistics and Monitoring

```typescript
// Get CBDC statistics
const stats = await cbdc.getStatistics();

console.log(`Total Supply: ${stats.data?.totalSupply.value}`);
console.log(`Circulating: ${stats.data?.circulatingSupply.value}`);
console.log(`Total Wallets: ${stats.data?.totalWallets}`);
console.log(`Active Wallets (24h): ${stats.data?.activeWallets24h}`);
console.log(`Transactions Today: ${stats.data?.transactionsToday}`);
console.log(`Avg Transaction Size: ${stats.data?.avgTransactionSize.value}`);
console.log(`Network Load: ${(stats.data?.networkLoad! * 100).toFixed(1)}%`);
```

---

## 🏆 WIA Certification

WIA-FIN-005 defines three certification levels:

### Level 1: Compatible

- ✅ Implements Phase 1 (Data Format)
- ✅ Can parse and generate WIA-FIN-005 transactions
- ✅ Basic security requirements met
- ✅ Self-certification with public test results

### Level 2: Certified

- ✅ All Level 1 requirements
- ✅ Implements Phase 2 (API Interface)
- ✅ Third-party security audit completed
- ✅ Interoperability testing with other certified CBDCs
- ✅ Privacy framework documented and verified
- ✅ Annual renewal required

### Level 3: Full Compliance

- ✅ All Level 2 requirements
- ✅ Implements Phases 3 & 4 (Protocol and Integration)
- ✅ Production cross-border transactions demonstrated
- ✅ Comprehensive security audits including penetration testing
- ✅ 24/7 operations and support
- ✅ Continuous monitoring and semi-annual audits

**Apply for Certification**: certification@wia.live

---

## 🌍 Global CBDC Landscape

### Launched CBDCs (as of 2025)

| Country | CBDC Name | Status | Key Features |
|---------|-----------|--------|--------------|
| China | Digital Yuan (e-CNY) | Advanced Pilot | 260M+ wallets, offline capability |
| Bahamas | Sand Dollar | Launched 2020 | First fully deployed CBDC |
| Nigeria | eNaira | Launched 2021 | Largest African CBDC |
| Jamaica | JAM-DEX | Launched 2022 | Caribbean region focus |

### In Development

| Country/Region | CBDC Name | Status | Expected Launch |
|----------------|-----------|--------|-----------------|
| European Union | Digital Euro | Investigation | 2027-2028 |
| United States | Digital Dollar | Research | TBD |
| India | Digital Rupee (e₹) | Pilot | 2026 |
| Singapore | Project Orchid | Advanced Trial | 2026 |

---

## 🎓 Documentation

### Comprehensive Ebook

8-chapter guide covering everything from basics to advanced topics:

1. **Introduction to CBDC** - History, evolution, and global landscape
2. **Current Challenges** - Technical, policy, and privacy obstacles
3. **WIA Standard Overview** - Four-phase architecture and principles
4. **Phase 1: Data Format** - Transaction schemas, cryptography
5. **Phase 2: API Interface** - REST APIs, WebSocket, SDKs
6. **Phase 3: Protocol** - Cross-border settlement, smart contracts
7. **Phase 4: Integration** - WIA ecosystem, certification
8. **Implementation & Certification** - Best practices, case studies

**Read the Ebook:**
- [English Version](./ebook/en/index.html)
- [한국어 버전](./ebook/ko/index.html)

### Technical Specifications

Detailed 4-phase specification:

- [Phase 1: Data Format](./spec/PHASE-1-DATA-FORMAT.md) - Universal data structures
- [Phase 2: API Interface](./spec/PHASE-2-API.md) - Standardized APIs
- [Phase 3: Protocol](./spec/PHASE-3-PROTOCOL.md) - Cross-border protocols
- [Phase 4: Integration](./spec/PHASE-4-INTEGRATION.md) - WIA ecosystem integration

### Interactive Simulator

Try CBDC operations in your browser:
- [CBDC Simulator](./simulator/index.html)

---

## 🤝 Contributing

We welcome contributions from the CBDC community!

### Development Setup

```bash
# Clone repository
git clone https://github.com/WIA-Official/wia-standards.git
cd wia-standards/cbdc

# Install dependencies
cd api/typescript
npm install

# Build
npm run build

# Run tests
npm test

# Lint code
npm run lint
```

### Contribution Guidelines

1. Fork the repository
2. Create a feature branch (`git checkout -b feature/amazing-feature`)
3. Write tests for new features
4. Ensure all tests pass (`npm test`)
5. Commit your changes (`git commit -m 'Add amazing feature'`)
6. Push to the branch (`git push origin feature/amazing-feature`)
7. Open a Pull Request

---

## 📄 License

This standard is distributed under the **MIT License**.

```
Copyright © 2025 WIA - World Interoperability Alliance

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
```

---

## 🔗 Resources

### Official Links

- **GitHub Repository**: [wia-standards](https://github.com/WIA-Official/wia-standards)
- **Official Website**: [wia.live](https://wia.live)
- **Certification Portal**: [cert.wia.live](https://cert.wia.live)
- **Developer Docs**: [docs.wia.live/cbdc](https://docs.wia.live/cbdc)

### Community

- **Discord**: [Join Community](https://discord.gg/wia-standards)
- **Twitter**: [@WIA_Official](https://twitter.com/WIA_Official)
- **Forum**: [forum.wia.live](https://forum.wia.live)

### Related Standards

- **WIA-FIN-002**: [Blockchain Finance](../blockchain-finance/)
- **WIA-FIN-003**: [Cryptocurrency](../cryptocurrency/)
- **WIA-INTENT**: [Intent Language](../intent-lang/)
- **WIA-SEC-001**: [Security Protocols](../security/)

### External Resources

- **BIS Innovation Hub**: [CBDC Research](https://www.bis.org/about/bisih.htm)
- **IMF CBDC Portal**: [Global CBDC Tracker](https://www.imf.org/cbdc)
- **Atlantic Council**: [CBDC Tracker](https://www.atlanticcouncil.org/cbdctracker/)

---

## 📞 Support

### Technical Support

- **Email**: cbdc-support@wia.live
- **Discord**: [#cbdc-support](https://discord.gg/wia-standards)
- **GitHub Issues**: [Report Bug](https://github.com/WIA-Official/wia-standards/issues)

### Business Inquiries

- **Partnerships**: partnerships@wia.live
- **Certification**: certification@wia.live
- **Press**: press@wia.live

---

## 🗺️ Roadmap

### Q1 2025 ✅
- [x] Core standard specification
- [x] TypeScript SDK v1.0
- [x] Basic wallet operations
- [x] Cross-border protocols

### Q2 2025
- [ ] Python and Java SDKs
- [ ] Enhanced privacy features (zk-STARKs)
- [ ] Offline payment reference implementation
- [ ] Mobile SDK (iOS/Android)

### Q3 2025
- [ ] Advanced smart contract templates
- [ ] Multi-CBDC liquidity pools
- [ ] Regulatory compliance automation
- [ ] Developer certification program

### Q4 2025
- [ ] 10+ certified CBDC implementations
- [ ] Production cross-border corridors
- [ ] AI-powered fraud detection
- [ ] Quantum-safe hardware wallet standard

---

## 🌟 Acknowledgments

This standard was developed with contributions from:

- **Central Banks**: PBOC, ECB, Federal Reserve, Bank of England, MAS
- **International Organizations**: BIS, IMF, World Bank
- **Technology Partners**: Major blockchain and fintech companies
- **Academic Institutions**: MIT, Stanford, Oxford, NUS
- **WIA Community**: Contributors worldwide

---

<div align="center">

**홍익인간 (弘益人間) - Benefit All Humanity**

*Empowering humanity through interoperable digital currencies*

---

**WIA Central Bank Digital Currency Standard (WIA-FIN-005) v1.0.0**

© 2025 WIA - World Interoperability Alliance

[Website](https://wia.live) · [GitHub](https://github.com/WIA-Official) · [Twitter](https://twitter.com/WIA_Official) · [Discord](https://discord.gg/wia-standards)

</div>