Technology Stack & Architecture

EasyCash is designed as a privacy-first stablecoin banking protocol powered by zero-knowledge privacy, intent-based execution, and an AI routing agent. The architecture is modular so EasyCash can scale across chains, integrate with DeFi liquidity, and support real merchant payments without leaking user identity or balances.

Design Goals

EasyCash’s technology stack is built around five core goals:

1. Privacy-by-default

   • Hide balances, inflows, and spending patterns

2. Intent-based user experience

   • Users express outcomes (“Pay”, “Swap”, “Bridge”, “Earn”), not transaction mechanics

3. Safe execution

   • Protection against MEV, malicious routes, bridge risk, and approval drains

4. Composability

   • Integrate with DEXs, payment rails, and DeFi yield, while maintaining privacy

5. Decentralized agent network

   • Avoid reliance on a single executor or centralized routing party

High-Level Architecture Overview

EasyCash consists of 7 core components:

1. EasyCash Vault Layer (Private Account System)

2. ZK Balance Shield (Proof & Privacy Engine)

3. Intent Engine (User Command Layer)

4. Agentic Auto-Routing Network (Execution + Routing)

5. Liquidity & Bridge Router (Multi-chain capital movement)

6. Payment Relay & Merchant Settlement Layer

7. Security & Monitoring Layer (Risk scoring + simulation)

These components work together to provide:

• Private accounts

• Private solvency proofs

• Invisible payments

• Smart routing for best execution

• Secure yield allocation

EasyCash Vault Layer (Private Stablecoin Accounts)

The EasyCash Vault acts as the “bank account” onchain.

Core responsibilities

• Accept stablecoin deposits (USDC, USDT, DAI, etc.)

• Maintain shielded balance accounting

• Enforce user-defined spending/yield policies

• Create internal “sub-balances” (Spend / Save / Earn)

• Output solvency proofs without revealing amounts

Vault design philosophy

The Vault is not a normal wallet. It is a programmable “account container” designed to:

• prevent address tracking

• limit exposure by separating activity into isolated flows

• let the AI agent operate under strict permissions

Vault structure (recommended)

EasyCash supports multi-pocket balance design:

• Spending Pocket

  • small, flexible balance for daily use

• Savings Pocket

  • protected; can require time delay or additional confirmation

• Yield Pocket

  • allocated into DeFi positions under AI strategy

• Payroll Pocket

  • receives Private Salary Mode inflows

This makes EasyCash behave like a real bank app with “accounts inside the account.”

ZK Balance Shield (Proof System)

ZK Balance Shield is the cryptographic layer that enables privacy while keeping functionality.

What it must prove

EasyCash’s proofs are designed around real banking requirements:

• Proof of Balance ≥ X

  • “I can pay $50”

• Proof of Spending Limit Compliance

  • “This transaction keeps me under my daily cap”

• Proof of Solvency to an App

  • “I meet the minimum deposit requirement”

• Proof of Valid Payroll Stream

  • “I receive recurring stablecoin salary” (without total disclosure)

Why it matters

Most DeFi requires wallet transparency because it has no alternative trust model.

EasyCash introduces the alternative:

Trust = ZK verification, not user exposure.

Proof verification usage

Proofs can be verified by:

• EasyCash contracts (internal authorization)

• merchant payment relays (approval to settle)

• integrated apps (solvency checks)

• yield vault modules (access control)

Intent Engine (User Command Layer)

The Intent Engine turns user actions into structured, verifiable intents.

Example intents

• PAY(merchant_id, amount, currency)

• SWAP(tokenIn, tokenOut, amount, maxSlippage)

• BRIDGE(chainFrom, chainTo, token, amount)

• EARN(strategy_profile, amount)

Each intent contains:

• desired outcome

• user policy constraints

• expiry timestamp

• session signature

• required proof references (ZK)

This is the layer that makes EasyCash “agentic.”

Agentic Auto-Routing Network (Execution Architecture)

The Agentic Auto-Routing layer is responsible for best execution without user complexity.

Two-layer execution model

A) Intelligence Layer (Offchain)

This includes:

• route discovery (DEX/bridge options)

• slippage & fee prediction

• MEV exposure estimation

• risk scoring for bridges/protocols

• simulation of final settlement

This intelligence layer can be built from:

• in-house routing engine

• decentralized agent nodes

• oracle feeds (liquidity, volatility, gas)

B) Execution Layer (Onchain submission)

Agent nodes submit transactions, but only within user permissions.

Agent node types

EasyCash can support specialized executors:

• Payment Executor

  • handles merchant settlement

• Swap Executor

  • optimized DEX routing

• Bridge Executor

  • cross-chain movement

• Yield Executor

  • vault interactions and rebalancing

This modular executor model prevents single-agent dominance and improves resilience.

Liquidity Router (DEX + Bridge + Settlement)

EasyCash routes stablecoins across:

• DEX aggregators

• bridge networks

• stablecoin rails

Router evaluation criteria

Routes are scored by:

• total fees

• slippage risk

• settlement speed

• liquidity depth

• protocol trust score

• historical failure rate

• privacy leakage likelihood

This is a major differentiator:

EasyCash is not a “cheapest route only” system It is a “safest private execution” system

Payment Relay Layer (Merchant Settlement & Invoicing)

This layer is what makes Invisible Spending possible.

Components

• Merchant invoice generator

• payment relay nodes (settlement helpers)

• merchant payout module

• optional fiat off-ramp connectors (future)

• receipt proofs (without linking identity)

Important: Merchant UX

Merchants should not need to understand ZK or privacy rails.

They just see:

• invoice paid

• stablecoin received

• optional reference memo