System Architecture Overview

The WorldBank protocol stack consists of three layers:

1. Application Layer

User-facing interface, including:

• EUA dApp interface (wealth engine)

• wUSD wallet and exchange interface

• WBT governance platform

• Features: No custody of user assets; all operations are completed through on-chain smart contracts

2. Smart Contract Layer

The core logic of the protocol, deployed on a public blockchain, covers:

• EUA core contract suite: donations, revenue calculation, referral relationships, and profit distribution

• wUSD stablecoin contract: minting, redemption, and transfers

• WBT governance contract: supports voting and delegated governance

• Revenue distribution contract: wealth management vault, revenue distribution, and fund allocation

• DAO governance contract: proposal creation, voting, and execution

• 3. Blockchain Layer

• A high-performance, highly secure, and EVM-compatible public blockchain is selected as the underlying settlement network.

• Features: Low transaction costs, fast confirmations, and strong scalability

• Future plans: Multi-chain expansion (Ethereum, BNB Chain, Polygon, L2 Rollups)