CBDC Wallet Transfer Flow

Overview

CBDC wallet transfers enable movement of CBDC between wallets with compliance checks and balance verification. This flow documents the complete transfer process.

Prerequisites

Source and destination wallets exist and are active
Sufficient balance in source wallet
Compliance checks pass
CBDC transaction service operational

Visual Flow Diagram

┌─────────────┐
│ Transfer    │
│  Request    │
└──────┬──────┘
       │
       │ 1. Validate Wallets
       ▼
┌─────────────────────────┐
│ Validate Wallets       │
│  - Source wallet        │
│  - Destination wallet   │
│  - Balance check        │
└──────┬──────────────────┘
       │
       │ 2. Compliance Check
       ▼
┌─────────────────────────┐
│ Compliance Check        │
│  - AML screening        │
│  - KYC verification      │
└──────┬──────────────────┘
       │
       │ 3. Execute Transfer
       ▼
┌─────────────────────────┐
│ Execute Transfer        │
│  - Update balances      │
│  - Create transaction   │
└──────┬──────────────────┘
       │
       │ 4. Complete
       ▼
┌─────────────┐
│ Transfer    │
│  Complete   │
└─────────────┘

Step-by-Step Process

Step 1: Validate Wallets

Lookup source wallet
Lookup destination wallet
Verify both wallets are active
Check source wallet balance
Verify sufficient funds

Code Reference: src/core/cbdc/cbdc-wallet.service.ts

Step 2: Compliance Check

Run AML screening
Verify KYC status
Check transaction limits
If compliance fails, reject transfer

Code Reference: src/core/compliance/aml.service.ts

Step 3: Execute Transfer

Create transaction record
Update source wallet balance (debit)
Update destination wallet balance (credit)
Post to ledger
Return transaction ID

Code Reference: src/core/cbdc/cbdc-transaction.service.ts

Error Handling

Wallet not found: Return error
Insufficient balance: Return error
Compliance failure: Reject transfer
Ledger posting failure: Rollback balances

Integration Points

CBDC Wallet Service: src/core/cbdc/cbdc-wallet.service.ts
CBDC Transaction Service: src/core/cbdc/cbdc-transaction.service.ts
AML Service: src/core/compliance/aml.service.ts

Performance Metrics

Total End-to-End: < 150ms target
Throughput: 10,000+ transfers/second

Related Flows:

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