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Informations about the package core-banking-prototype-laravel

FinAegis Core Banking Platform

CI Pipeline License: Apache-2.0 PHP Version Laravel Version

An open-source core banking platform built with event sourcing, domain-driven design, and modern financial patterns.

FinAegis provides the foundation for building digital banking applications. The Global Currency Unit (GCU) serves as a complete reference implementation demonstrating how to build basket currencies, governance systems, and democratic financial instruments on this platform.

FinAegis vs Zelta: FinAegis is this open-source core-banking platform. Zelta is the hosted product and mobile wallet built on top of it — so production and hosted surfaces (for example the MCP server at mcp.zelta.app) carry the Zelta brand.

Live Demo | Contributing


Why FinAegis?

Challenge FinAegis Solution
Building financial systems from scratch 61 domain modules
Audit trail requirements Event sourcing with domain-specific event tables
Complex multi-step transactions Saga pattern with automatic compensation
Regulatory tooling KYC/AML integration + GDPR export/erasure (real); SOC 2 / PCI-DSS readiness tooling — not third-party certified
Multi-tenant SaaS deployment Team-based tenant isolation (v2.0.0)
Hardware wallet security Ledger/Trezor support with multi-sig (v2.1.0)
Mobile wallet backend Biometric auth, passkeys, push notifications (v2.2.0+)
Privacy-preserving transactions ZK-KYC, Merkle trees, ERC-4337 gas abstraction (v2.4.0-v2.6.0)
Multi-jurisdiction RegTech MiFID II / MiCA / FATF Travel Rule report-format validators & adapters — no live regulator connectivity; not a licensed CASP/ARM (v2.8.0)
Cross-chain & DeFi Bridge protocols, DEX aggregation, yield optimization (v3.0.0)
Modular plugin architecture 61 domains with manifests, enable/disable, dependency resolution (v3.2.0)
Compliance scaffolding SOC 2 evidence helpers + a clean PCI-DSS SAQ-A footprint (tokenized cards, no PAN stored); no certification is held (v3.5.0)
GraphQL API Schema-first Lighthouse PHP, 45 domains, subscriptions (v4.0.0+)
Event Store v2 Domain routing (61 domains), upcasting, migration tooling (v4.0.0)
Plugin Marketplace Manager, loader, sandbox, security scanner (v4.0.0)
Event streaming Redis Streams publisher/consumer, live dashboard (v5.0.0)
API monetization x402 protocol: HTTP-native micropayments with USDC on Base (v5.2.0)
Privacy protocol RAILGUN shield/unshield/transfer with Merkle proofs (v5.6.0); non-custodial backend migration — public-address registration, on-device engine config, signed-URL RPC proxy (v7.16.0)
Mobile gamification Rewards system: quests, XP/levels, points shop, streaks (v5.7.0)
Fiat on/off ramp Stripe Bridge with async webhook processing and provider-agnostic session management (v5.12.0)
Design system v2 Complete frontend overhaul with consistent typography, dark heroes (v5.12.0)
Developer ecosystem Plugin marketplace, developer portal, 3 official SDKs (v6.0.0)
Post-quantum cryptography ML-KEM-768, ML-DSA-65, hybrid encryption with key rotation (v6.1.0)
Feature completeness Card sync webhooks, bank transfer state machine, tenant provisioning (v6.1.1)
Distributed tracing OpenTelemetry, Zipkin, Jaeger, per-request trace propagation (v6.2.0)
AI agent commerce A2A messaging, DID identity, escrow, reputation framework (v6.3.0)
Machine payments MPP multi-rail (Stripe, USDC, Lightning), AP2 mandates, x402 Solana (v6.4.0)
Payment orchestration (experimental, opt-in) HyperSwitch routing for card deposits behind HYPERSWITCH_ENABLED (off by default — Stripe is the default rail); webhook-credited deposit completion (v6.4.2, wired in #1118)
Mobile launch readiness Quest auto-triggers, device attestation, JIT funding, rewards (v6.5.0)
SMS multi-rail payments VertexSMS integration, MPP-gated SMS, MCP tool for AI agents (v7.10.7)
Public MCP server OAuth-secured Model Context Protocol server at mcp.zelta.app, @finaegis/mcp npm wrapper (v7.11.0)
Non-custodial wallet Privy passkey/device-key signing, sponsored EVM + Solana sends, prepare/submit flow (v7.12.0)
Mobile subscriptions Apple App Store + Google Play IAP verification, pseudonymised receipts, revenue outbox (v7.13.0)
Fiat ↔ stablecoin ramp Bridge.xyz bank-rail on-ramp, virtual accounts, USDC on Polygon, asymmetric webhook verification (v7.15.0)
Learning modern architecture Complete DDD + CQRS + Event Sourcing example

Plugin Architecture (v3.2.0)

FinAegis uses a modular plugin system where each domain is a self-contained module:


GraphQL API (v4.0.0-v4.3.0)

FinAegis provides a schema-first GraphQL API via Lighthouse PHP covering 45 domains:


Event Streaming (v5.0.0)

Redis Streams-based event streaming for real-time data pipelines:


GCU: The Reference Implementation

The **Global Currency Unit (GCU)** demonstrates FinAegis capabilities through a democratic basket currency: - **Multi-Asset Basket** - USD (40%), EUR (30%), GBP (15%), CHF (10%), JPY (3%), XAU (2%) - **Democratic Governance** - Community votes on basket composition - **Automatic Rebalancing** - Monthly adjustment to maintain target weights - **Transparent NAV** - Real-time Net Asset Value calculation - **Full Integration** - Uses Exchange, Governance, Compliance, and Treasury domains GCU shows how to build complex financial products using FinAegis primitives.

See ADR-0010: GCU Basket Design for architecture details.


Quick Start

Demo Mode (Recommended)

No external dependencies - everything runs locally:

Visit http://localhost:8000 with demo credentials:

Full Installation

Requirements: PHP 8.4+, MySQL 8.0+ / MariaDB 10.3+ / PostgreSQL 13+, Redis 6.0+, Node.js 18+

Modular Installation (v1.3.0+)

Install only the domains you need:

Domain Type Examples Installation
Core (always installed) account, user, compliance, shared Automatic
Financial exchange, lending, treasury, wallet domain:install
AI/Agent ai, agent-protocol, governance domain:install
Infrastructure monitoring, fraud, batch domain:install

See Domain Management Guide for details.


Platform Capabilities

Core Banking

Domain Capabilities
Account Multi-asset accounts, deposits, withdrawals, statements
Banking SEPA/SWIFT transfers, multi-bank routing, reconciliation
Compliance 3-tier KYC, AML screening, SAR/CTR reporting
Treasury Portfolio management, cash allocation, yield optimization

Digital Assets

Domain Capabilities
Exchange Order matching, liquidity pools, AMM, external connectors, WebSocket streaming
Stablecoin Multi-collateral minting, burning, liquidation
Wallet Non-custodial EVM sends (Polygon, Base, Arbitrum) + Solana; USDC receive on Solana/Tron; Ledger/Trezor hardware-wallet integration
Basket (GCU) Weighted currency basket, NAV calculation, rebalancing

Platform Services

Domain Capabilities
Governance Democratic voting, proposals, asset-weighted strategies
Lending P2P loans, credit scoring, risk assessment
AI Framework MCP server, 20+ banking tools, natural language queries, pattern analysis (v2.8.0)
Agent Protocol A2A messaging, escrow, reputation system
RegTech MiFID II reporting, MiCA compliance, FATF Travel Rule, 4-jurisdiction adapters (v2.8.0)
Multi-Tenancy Team-based isolation, tenant-aware event sourcing

Mobile Backend (v2.4.0+)

Domain Capabilities
Key Management Shamir's Secret Sharing (2-of-3), HSM integration
Privacy ZK-KYC verification, Proof of Innocence, selective disclosure
Card Issuance Virtual cards for Apple Pay/Google Pay, JIT funding
Gas Relayer ERC-4337 meta-transactions, pay fees in USDC
TrustCert W3C Verifiable Credentials, QR/deep link verification
Mobile Biometric auth, push notifications, device management
Mobile Payments Payment intents, activity feed, receipts, USDC on Solana/Tron (v2.7.0)
Passkey Auth WebAuthn/FIDO2 with rpIdHash, UV/UP flags, COSE validation (v2.7.0+v5.7.0)
P2P Transfers Address validation, name resolution, fee quotes (v2.7.0)
Rewards Gamification: XP/levels, quests, points shop, streaks, race-safe redemption (v5.7.0)

API Monetization (v5.2.0)

Domain Capabilities
X402 Protocol HTTP 402 native micropayments, USDC on Base L2, EIP-3009/Permit2 payment schemes
Payment Gate Middleware-based API monetization, per-endpoint pricing, automatic settlement
AI Agent Payments Autonomous payments for AI agents, spending limits, MCP tool integration

Architecture

Key Patterns:

See Architecture Decision Records for detailed design rationale.


Documentation

Category Links
Getting Started User Guides
Architecture Roadmap
API GraphQL
Version History Version Roadmap
Development Dev Guides
Reference Event Sourcing

Contributing

We welcome contributions! See CONTRIBUTING.md for guidelines.

Standards: PSR-12 · PHPStan Level 8 · 50%+ Coverage · Conventional Commits

This project supports AI coding assistants. Look for AGENTS.md files for context-aware guidance.


Deployment

Kubernetes (v2.1.0+)

Deploy to any Kubernetes cluster with Helm:

Features:

See Infrastructure & Deployment Guide for details.


MCP (Model Context Protocol)

Connect Claude Desktop, Cursor, or Continue.dev to your Zelta account:

Or use the remote URL directly: https://mcp.zelta.app/mcp. See docs/13-AI-FRAMEWORK/03-MCP-Quickstart.md.


Tech Stack

Layer Technology
Backend Laravel 12, PHP 8.4+
Event Sourcing Spatie Event Sourcing with Event Store v2 (domain routing, upcasting)
GraphQL Lighthouse PHP (schema-first, 45 domains, subscriptions)
Workflows Laravel Workflow (Waterline)
Multi-Tenancy stancl/tenancy v3.9
Database MySQL 8.0+ / MariaDB 10.3+ / PostgreSQL 13+
Cache/Queue/Streaming Redis (cache, queues, Streams), Laravel Horizon
Real-time Soketi (Pusher-compatible), Laravel Echo, Redis Streams
Testing Pest PHP (parallel, 1,170+ test files, 4,900+ tests), PHPStan Level 8
Admin Filament v3
Frontend Livewire, Tailwind CSS
Deployment Docker, Kubernetes (Helm), Istio

Project Status

This is a demonstration platform showcasing modern banking architecture. Use it for:

Production Readiness: The codebase includes production-grade infrastructure (CQRS, event sourcing, multi-tenancy, GraphQL API, event streaming, 50%+ test coverage, PHPStan Level 8, 4,900+ tests). However, a security audit and compliance review are required before any production deployment. No third-party SOC 2 or PCI-DSS certification is held — the compliance modules are audit-readiness tooling, and the payment-standards domains (ISO 20022, ISO 8583, SWIFT, Open Banking, SEPA, US rails, Interledger) are reference implementations at the message/logic layer, not live scheme connectivity or settlement. See Security Policy for vulnerability reporting.


Community


License

Apache License 2.0


Built for the open-source financial community


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ext-intl Version *
ext-mbstring Version *
ext-pdo Version *
aws/aws-sdk-php Version ^3.369.35
barryvdh/laravel-dompdf Version ^3.1
darkaonline/l5-swagger Version ^11.0
durable-workflow/waterline Version ^1.0
durable-workflow/workflow Version ^1.0
endroid/qr-code Version ^6.0
filament/filament Version ^3.0
http-interop/http-factory-guzzle Version ^1.2.1
juststeveking/laravel-data-object-tools Version dev-main
kornrunner/keccak Version ^1.1
kreait/laravel-firebase Version ^7.0
laravel/cashier Version ^15.4
laravel/framework Version ^12.0
laravel/horizon Version ^5.44
laravel/jetstream Version ^5.4
laravel/passport Version ^13.0
laravel/pennant Version ^1.19
laravel/pulse Version ^1.5
laravel/sanctum Version ^4.0
laravel/scout Version ^11.2
laravel/socialite Version ^5.24
laravel/telescope Version ^5.2
laravel/tinker Version ^3.0
league/commonmark Version ^2.8.1
livewire/livewire Version ^3.6.4
meilisearch/meilisearch-php Version ^1.9
nesbot/carbon Version ^3.11.1
nuwave/lighthouse Version ^6.64
open-telemetry/api Version ^1.4
open-telemetry/exporter-otlp Version ^1.3
open-telemetry/sdk Version ^1.7
predis/predis Version ^2.2
promphp/prometheus_client_php Version ^2.14
pusher/pusher-php-server Version ^7.2
resend/resend-php Version ^1.0
scrivo/highlight.php Version ^9.18
simplito/elliptic-php Version ^1.0
spatie/laravel-backup Version ^10.3
spatie/laravel-data Version ^4.0
spatie/laravel-event-sourcing Version ^7.7
spatie/laravel-permission Version ^8.0
stancl/tenancy Version ^3.9
symfony/clock Version ^8.0
symfony/http-client Version ^7.3
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