Platform Overview
=================

Product Scope
-------------

The Gravv platform provides business customers (tenants) with the following
product capabilities, all exposed through a unified REST API and the Gravv
dashboard:

- **Multi-currency internal accounts** — tenant and customer accounts backed by
  Web3 wallets across multiple chains, with fiat virtual accounts attached via
  banking partners for local-rail deposits.
- **Cross-border transfers** — payouts across African local rails
  (NGN, GHS, KES, ZAR and others), USD domestic rails (ACH / wire), SWIFT
  international wires, SEPA, and mobile money, with provider routing per
  corridor.
- **Payees (external accounts)** — verified beneficiary management with
  provider-side external account creation and per-payee provider routing.
- **FX & OTC** — live currency-pair rates, quotes with locked execution,
  trade execution, and an OTC order desk with dual authorization.
- **Cards** — card issuing (application, balance, PIN management, sensitive
  details) and card collections (payment intents, saved cards, tokenized
  charging, 3-D Secure).
- **Onramp / collections** — fiat-to-crypto deposits by card or local payment
  methods, with settlement into Web3 wallets and multi-layer reconciliation.
- **Stablecoin payment links** — hosted public payment pages
  (stables.gravv.xyz) for stablecoin collection.
- **Savings** — yield-bearing balances via OpenTrade.
- **Billing** — per-tenant fee configuration, fee charging with a state
  machine, subscriptions, and invoices.
- **Compliance** — KYC / KYB onboarding via Sumsub, document management,
  transaction monitoring, and feature eligibility gating.

Tenancy Model
-------------

Gravv is multi-tenant. Each business customer is a *tenant* identified by a
tenant ID that is propagated across every service call (as gRPC metadata).
Tenants operate in one of two runtime environments — **live** or **sandbox** —
selected per request by the API gateway, with separate credentials, connection
pools, and secrets for each environment. Tenants manage team members with
role-based permissions, API keys, IP whitelists, and webhook endpoints through
the dashboard.

Client Surfaces
---------------

.. list-table::
   :header-rows: 1
   :widths: 25 75

   * - Surface
     - Description
   * - REST API
     - The primary integration surface. API-key authenticated
       (``grvSec_live_*`` / ``grvSec_sandbox_*`` keys), rate limited, and
       idempotency-key aware.
   * - Gravv dashboard
     - Angular web application for tenants: accounts, customers, transactions,
       recipients, wallets, cards, billing, invoices, subscriptions, OTC desk,
       stablecoin payment links, team management, and configuration.
   * - Admin console
     - Internal Angular application for Gravv operations staff: businesses,
       customers, transactions, cards, and accounts oversight.
   * - Hosted payment pages
     - Public stablecoin payment-link pages (``stables.gravv.xyz``) and hosted
       card-payment pages with their own authentication and rate limiting.
   * - Provider webhooks
     - Dedicated ingestion endpoints (live and sandbox variants) for every
       integrated third-party provider.

Global Footprint
----------------

Money movement spans African local rails (Nigeria, Ghana, Kenya, Zimbabwe,
South Africa and additional corridors via pan-African providers), United States
banking rails (ACH, wires), European rails (SEPA, virtual IBANs), SWIFT
international wires, and eight public blockchain networks with USDC-based
settlement.