Boutique Family Office™ / my.BFOCFO.com — R&D Series
TL;DR
We built a policy-as-code orchestration spine that gates actions (publish, sign, pay, pause, takedown) and emits tamper-evident receipts you can replay and audit—without exposing PII. Five pillars:
- NIL Orchestration (Policy-as-Code) — Education gating, disclosure packs, exclusivity/obligations → Decision_Receipt (RDS) and anchored audit.
- Wallet-Bound Consent (with Guardian Co-Sign & ZK) — Scopes + co-sign lineage, consent freshness, age-of-majority rollover, selective disclosure via ZK predicates (no raw DOB).
- Secure Evidence Vault — Per-doc encryption, proxy re-encryption (PRE) delegation, WORM / legal hold / defensible deletion, forward-secure logs, Merkle anchoring, evidence bundles.
- Mothership (P6) — The shared spine: versioned rules, normalized inputs, deterministic replay, and the RDS schema/anchoring path.
- AIES — Connector-scored orchestration (SLA/cost/error/latency), policy-in-force and budget gates, short-lived capabilities, ZK checks, and routing receipts.
Note: This is R&D, not legal advice. “Patents pending.” We designed this so auditors, partners, and customers can verify what happened and why—without seeing anyone’s private data.
Why this matters (in one paragraph)
Regulated workflows (NIL, endorsements, retail/creator, custody) fail under ambiguity. We remove ambiguity by turning policies into deterministic gates and issuing a canonical receipt for every approval/denial/takedown/settlement. Receipts are recorded in a forward-secure log and may be Merkle-batched with cross-chain anchors. Anyone can verify inclusion and replay the decision against the recorded policy version—without PII.
Pillar 1 — NIL Orchestration (Policy-as-Code)
What it does: Compiles rules, evaluates education recency, disclosure packs (channel + jurisdiction), exclusivity/conflicts, and obligations before publishing or signing.
What you get: A Decision_Receipt (RDS) with inputs hash, policy_version, reasons, actions, and optional AnchorRef; delta receipts for takedown/updates.
Why it’s useful: Deterministic evidence for audits and disputes—no screenshots or guesswork.
Pillar 2 — Wallet-Bound Consent (Guardian Co-Sign & ZK)
What it does: Issues a Consent Token with scopes (likeness, territory, media, time), co-sign routes, counters/validity windows, and lineage.
ZK predicates: Verify “age ≥ 18” or “residency ∈ set” without storing raw attributes; receipts store proof hashes, not DOB.
Continuity: Age-of-majority rollover links the new token to the prior anchor so audits see unbroken lineage.
Why it’s useful: Privacy-preserving consent that’s verifiable and replayable.
Pillar 3 — Secure Evidence Vault (PRE, WORM/Hold, Anchors)
What it does: Encrypts each artifact under a per-doc key; delegates access via proxy re-encryption (PRE) under ABAC (role, minor status, jurisdiction, validity window).
Retention & deletion: WORM windows and legal holds prevent mutation; defensible deletion shreds keys and leaves an audit stub.
Anchors & bundles: Forward-secure logs → Merkle roots → cross-chain AnchorRef; exports include evidence bundle manifests (artifacts + signatures + anchors).
Why it’s useful: Court-friendly chain of custody, shareable proofs, and verifiable deletion—without exposing content or keys.
Pillar 4 — Mothership (P6) Orchestration Spine
What it does: Normalizes inputs, compiles/evaluates versioned policy, and produces the RDS.
Replay: Given an RDS and a policy_version, a verifier recalculates decisions and validates inclusion (optionally N-of-M anchors across chains).
Why it’s useful: One consistent receipt model across all flows—NIL, consent, revenue, evidence.
Pillar 5 — AIES (Connector-Scored, ZK-Gated, Policy-in-Force)
What it does: Scores connectors by SLA/cost/error/latency, routes to the best one, and applies policy-in-force and budget gates (with human approvals where needed).
Privacy: Uses ZK where applicable; issues short-lived capabilities; records a routing receipt.
Why it’s useful: Safer automation with provable decisions and minimal PII.
A Single Receipt Model (RDS) You Can Replay
Below is an illustrative (redacted) Decision_Receipt. It’s the same shape whether we’re gating publishing, consent, settlement, or vault ops:
{
"inputs hash": "sha256:…",
"policy version": "v2025.08",
"decision": "approve|deny|takedown",
"reasons": ["EDU_FRESH", "DISCLOSURE_PACK_FTC_US_IG"],
"timestamp": "2025-08-20T12:00:00Z",
"actions": ["publish", "notify"],
"anchor_ref": {
"merkle_root": "0xROOT",
"cross_chain_locator": [
{"chain_id": "perm-A","tx_ref": "0x…","ts": 1692537600},
{"chain_id": "pub-B","tx_ref": "0x…","ts": 1692537605}
]
}
}Replay: A verifier recomputes the decision from policy_version and validates inclusion of this RDS in the anchored batch—no user PII required.
Revenue & disputes (delta receipts)
When money moves, we bind it to OfferLock + split trees and log a Settlement-RDS. Disputes and chargebacks produce delta receipts with diffs linked to prior anchors. Result: at any point, you can prove who was owed what and why, and how re-allocations were made—deterministically.
Privacy-by-design (what we don’t store)
- No raw DOB, residency, or sensitive attributes in receipts.
- ZK predicates record (ok, proof_hash), not underlying data.
- Consent freshness, lineage, and rollover continuity are logged without PII.
How to verify (quick, for auditors/partners)
- Hash the receipt JSON (sha256).
- Recompute the Merkle root for the published batch; check it matches the AnchorRef.
- Replay the decision from policy version using the same inputs hash; confirm the same decision and reasons.
- (Optional) Accept N-of-M anchors across chains if applicable.
Where this goes next
- NIL Parent (NP): unify E, Y, R under the P6 spine for one utility filing; use continuations only when necessary.
- Interoperability: DID/VC resolvers for schools and brands; standard JSON schemas for RDS across vendors.
- Developer tooling: test kits, example policies, and sample auditors for replay.
How to engage
If you’re a school, brand, collective, marketplace, or platform and want to verify any part of this (or pilot a receipt-driven workflow), message me. I’m happy to share the example receipts, mock data, and verifier steps.
Disclaimer: This post is technical R&D and not financial or legal advice. The work described here aligns with our filed applications.
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Tony Gomes, Author, MBA
CEO and Founder
Advanced Wealth Management
Content Disclosure: The information here is general and educational. It is not a substitute for professional advice and does not constitute a recommendation. Forecasts and opinions are subject to change.
