Protocol

Architecture

AIDOS is a four-layer stack. Applications sit on top, the SDK exposes protocol calls, a privacy layer enforces the guarantees, and Solana provides settlement.

The four layers

Application — the Aidos App (web + iOS), plus anything built on the SDK: Telegram bots, white-label neobanks.
Protocol (SDK) — a single surface of calls: createAccount(), deposit(), spend(), swap(), deployAgent(), issueCard().
Privacy — three engines that enforce the guarantees: the ZK Shield (balances and transfers), the TEE Runtime (agents and attestation), and the Darkpool (batch auctions and ZK settlement).
Settlement — Solana L1: ZK proofs verified on-chain, card settlement over USDC/Mastercard, and IBAN via a licensed partner.

┌───────────────────────────────────────────────┐
│ APPLICATION   Aidos App · Telegram · White-label │
├───────────────────────────────────────────────┤
│ PROTOCOL      Aidos SDK                          │
│   createAccount · deposit · spend · swap         │
│   deployAgent · issueCard                        │
├───────────────────────────────────────────────┤
│ PRIVACY                                          │
│   ZK Shield    TEE Runtime    Darkpool           │
│   (balances)   (agents)       (ZK settle)        │
├───────────────────────────────────────────────┤
│ SETTLEMENT    Solana L1                          │
│   ZK proofs · card settlement · IBAN partner     │
└───────────────────────────────────────────────┘

Stack specification

Layer	Technology
ZK proving	Light Protocol / Helius ZK; Groth16, sub-second client-side.
TEE runtime	Phala Network (Intel TDX); GPU TEE for AI inference.
Darkpool	Custom batch auction + ZK settlement, Solana-native.
Card issuance	Mastercard partner (Bleap / Gnosis Pay model).
IBAN rails	Licensed EMI partner; SEPA + SWIFT.
Chain	Solana; 400 ms finality, $0.00025 fees.
Client	React Native (iOS/Android) + Web PWA; self-custody via the Solana Mobile SDK.

Why Solana

400 ms finality and $0.00025 fees make consumer-grade, high-frequency private banking economical, and the chain has a maturing privacy stack (Helius/Light ZK, Arcium MPC, PrivacyCash) to build on.

The guarantees these layers enforce are spelled out in the Privacy Doctrine, and how to check them is covered in Verification.