25 · TECHNICAL REQUIREMENTS

Version: 6.0 Date: 12.03.2026 Status: Canonical Key updates v5.0:

• AI Yield Engine: 800+ strategies, 8 streams, 1M+ parametric combinations
• WellexVault: single ERC-4626, Multi-EVM 7 networks + Tron + Solana
• Ranks v5.0: Explorer → Builder → Achiever → Manager → Director → Leader → Ambassador → Master → Champion → Legend
• Iron Rules: no provider names, single plan $19/mo, no tokens
• Card On-Ramp: providers hidden from user, auto-routing behind the scenes

⚠️ Technical specs describe infrastructure for yield distribution. Target Yield is not a guarantee — actual yield depends on DeFi market conditions.

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Table of Contents

1. Registration and Authentication
2. Authorization and Session Management
3. Wallet and Payments
4. AI Yield Engine & WellexVault
5. Staking (WEB only)
6. MLM Network (WEB only)
7. Band and Health Data Pipeline
8. Subscription
9. KYC/AML
10. Dashboard: APP vs WEB
11. Security and Privacy
12. Community (APP only)
13. Notifications
14. Localization
15. API Architecture
16. Webhooks & Developer API

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1. Registration and Authentication

1.1 Dual Entry Model

The platform supports two independent registration paths: Email-first (primary for APP) and Web3-first (for crypto users).

Path 1: Email-first (primary for APP)

#	Requirement
1.1.1	Registration via Email + password
1.1.2	Social login: Apple ID (Sign in with Apple), Google (OAuth 2.0)
1.1.3	On registration, a Web3 wallet (ERC-4337 Account Abstraction) is automatically created
1.1.4	Blockchain is completely hidden from the user
1.1.5	Web3 wallet is used for transactions on the WEB platform
1.1.6	Gasless transactions via paymaster (Polygon)

Path 2: Web3 Wallet-first (for crypto users)

#	Requirement
1.2.1	"Connect wallet" button on the WEB platform
1.2.2	WalletConnect v2 integration: MetaMask, Trust Wallet, Coinbase Wallet, etc.
1.2.3	Verification via message signature EIP-4361 (Sign-In with Ethereum)
1.2.4	After wallet connection — mandatory email input to create account
1.2.5	Email is used for access recovery, notifications, and APP linking
1.2.6	If email is already registered — offer to link wallet to existing account

Unified Account

#	Requirement
1.3.1	Both registration paths lead to a unified account in the system
1.3.2	One account = one email + one or more Web3 wallets
1.3.3	User can use APP, WEB, or both platforms simultaneously
1.3.4	Maximum 3 external Web3 wallets per account

1.2 Required Fields on Registration

#	Field	Email-first	Web3-first
1	Email	✅	✅ (after wallet connection)
2	Password	✅	❌ (login via wallet signature)
3	First name	✅	✅
4	Last name	✅	✅
5	Date of birth	✅	✅
6	Country/region	✅	✅
7	Wallet address	❌ (created automatically)	✅ (from connected wallet)
8	Referral code	Optional	Optional
9	Terms of Service	✅	✅
10	GDPR consent	✅	✅

1.3 Email Verification

OTP: 6 digits · Valid 15 minutes · Maximum 3 attempts

1.4 Two-Factor Authentication (2FA)

Supported methods: TOTP, SMS, backup codes

1.5 Social Login

#	Requirement
1.5.1	Providers: Google (OAuth 2.0), Apple ID (Sign in with Apple)
1.5.2	Available in APP only (not in WEB)
1.5.3	On first login — automatic account creation + Web3 wallet
1.5.4	Additional request: date of birth and country

1.6 Rate Limiting

Standard request rate limits for brute-force protection

Acceptance Criteria — Registration

• AC-1.1: Email registration creates account + Web3 wallet automatically
• AC-1.2: Web3 Wallet connects via WalletConnect; EIP-4361 signature verifies ownership
• AC-1.3: After Web3 connection, email input is mandatory
• AC-1.4: Unified account works in both APP and WEB
• AC-1.5: Social login via Apple/Google in APP creates full account

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2. Authorization and Session Management

2.1 Login Methods

Method	Platform	Process
Email + password	APP + WEB	Standard form + 2FA
Social login	APP	Apple ID / Google → auto-login
Web3 wallet	WEB	Wallet connection → EIP-4361 signature → auto-login

2.2 Session Management

• JWT: Access Token — 15 minutes, Refresh Token — 30 days
• Token rotation on refresh
• Automatic session compromise detection

2.3 Device Management

List of authorized devices, remote session revocation

2.4 Biometric Login (APP)

Face ID / Touch ID / Fingerprint

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3. Wallet and Payments

3.1 Dual Wallet Model

Type	Creation	Management
Auto-created (MPC)	On Email registration	Hidden from user; gasless transactions
External (connected)	On Web3 login	User manages independently

#	Requirement
3.1.1	Auto-created: MPC wallet (Fireblocks/Dfns), 2-of-3 key share scheme
3.1.2	External: WalletConnect v2, EIP-4361 verification
3.1.3	Maximum 3 external wallets per account
3.1.4	All operations gasless for auto-created (ERC-2771 + Relayer)
3.1.5	External wallet: user pays gas (or Wellex subsidizes)

3.2 Card On-Ramp (Multi-provider, hidden from user)

⛔ Iron Rule 5: in UI and any public materials it is forbidden to mention on-ramp provider names. User sees only: "bank card", "local methods", "on-ramp". Providers are internal implementation.

#	Requirement
3.2.1	Integration of multiple on-ramp providers via aggregator (Primary, Secondary, Tertiary) — internal configuration, not displayed to user
3.2.2	Supported methods: bank cards (Visa/MC), Apple Pay, Google Pay, SEPA, PIX, local methods by region
3.2.3	Auto-routing: aggregator selects provider by best-rate in region automatically
3.2.4	KYC tiers: Tier 1 ($500/mo, minimal KYC), Tier 2 ($5K/mo, full KYC), Tier 3 ($5K+, EDD)
3.2.5	USDC credited to user's Safe{Wallet} automatically
3.2.6	Optional auto-deposit to WellexVault after on-ramp
3.2.7	Fallback between providers — automatic, without user involvement
3.2.8	In UI: only "Top up with card" / "Local methods" — no provider branding

3.3 Multi-EVM Support

#	Requirement
3.3.1	Supported networks: ETH, Polygon, BSC, Arbitrum, Optimism, Base, Avalanche
3.3.2	Cross-chain bridge: LayerZero (primary), Across (secondary)
3.3.3	DEX swap: 1inch Fusion API (primary), 0x Swap API (fallback), ParaSwap (tertiary)
3.3.4	Single aggregated balance across all networks in UI

3.4–3.7

Recovery Flow, transaction history — per standard specification

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4. AI Yield Engine & WellexVault

SSOT: 06_YIELD_PROTOCOL.md · 07_AI_SYSTEM.md ⚠️ Target Yield (0–20%/mo) — not a guarantee. Actual yield depends on DeFi market conditions.

4.1 WellexVault — Single Vault (ERC-4626)

#	Requirement
4.1.1	Single vault WellexVault (ERC-4626 + UUPS Proxy) on each EVM network
4.1.2	No Risk Tranches (Conservative/Balanced/Aggressive) — one vault for all
4.1.3	Lock-up by amount: $0–999 → 0d, $1K–9999 → 30d, $10K+ → 90d
4.1.4	100% insurance coverage (single level, no tiers)
4.1.5	Supported assets: USDC / USDT
4.1.6	Multi-EVM: ETH, Polygon, BSC, Arbitrum, Optimism, Base, Avalanche
4.1.7	Minimum deposit: $100
4.1.8	Auto-compound ($129 one-time activation)

4.2 AI Yield Engine — 800+ Strategies

#	Requirement
4.2.1	AI Yield Engine processes 800+ atomic strategies from 8 DeFi categories
4.2.2	ML optimization on 1M+ parametric combinations (gradient boosting + backtesting 36 mo)
4.2.3	Optimal portfolio recalculation every 15 minutes
4.2.4	Decision latency: < 500ms
4.2.5	Data sources: 50+ on-chain protocols + 12 off-chain signals
4.2.6	Built into each user's ERC-4337 Smart Wallet
4.2.7	Emergency exit: < 60 seconds

4.3 8 DeFi Source Categories

#	Category	Protocols (examples)	Allocation
1	DeFi Lending	Aave v3, Compound III, Morpho Blue	30%
2	RWA / Real World Assets	Ondo USDY, Maple Finance, Superstate	25%
3	Prediction Markets + Structured	Polymarket LP, Ribbon, Stryke	25%
4	Arbitrage	Funding rate arb, CEX/DEX spread, cross-chain	20%
5	AMM fees	Uniswap v3, Curve	dynamic
6	Liquidity incentives	CRV/CVX incentives, LM programs	dynamic
7	Rate / basis arbitrage	Funding/basis, cross-protocol spreads	dynamic
8	Structured strategies	Delta-neutral, protected LP, covered calls	dynamic

Categories 1–4 — core allocation (100%). Categories 5–8 — dynamic overlays within tiers.

4.4 WVI Allocation Modifier

WVI	Active Strategies	Allocation	Target Yield/mo
0–39	142	80% DeFi+RWA · 20% Arb	0%
40–69	340	60% DeFi+RWA · 30% Arb · 10% Prediction	2–5%
70–89	581	40% DeFi+RWA · 30% Arb · 30% Prediction	8–12%
90–100	307	30% DeFi+RWA · 20% Arb · 50% Prediction	16–20%

4.5 Smart Contract Architecture

Contract	Standard	Purpose	Deployment
WellexVault	ERC-4626 + UUPS Proxy	Single vault	Each EVM network
StrategyManager	Ownable2Step	Allocation management, 6h timelock	Each EVM network
YieldDistributor	Custom	Weekly distribution by WVI	Each EVM network
WellnessOracle	Chainlink-style	WVI on-chain (monthly)	Each EVM network
InsuranceFund	Custom	Insurance pool	Ethereum (primary)
WithdrawalQueue	Custom	Queue for low liquidity	Each EVM network
BridgeRouter	Custom	Cross-chain routing	Each EVM network

4.6 Rate Limits (Bank Run Protection)

Period	Max withdrawal (% TVL)
1 hour	5%
24 hours	15%
7 days	40%

4.7 Insurance Fund

Parameter	Value
Sources	10% of yield payouts + early withdrawal penalties + 5% protocol revenue + seed $500K
Target size	8–12% of TVL
Placement	60% Aave USDC, 30% Ondo USDY, 10% multisig
Covers	Smart contract exploit (100%), stablecoin depeg (80%), oracle manipulation (100%)

Acceptance Criteria — AI Yield Engine

• AC-4.1: WellexVault (ERC-4626) deployed on all 7 EVM networks
• AC-4.2: AI Engine recalculates allocation every 15 min, latency < 500ms
• AC-4.3: User WVI correctly determines strategy tier
• AC-4.4: Emergency exit executes in < 60 sec
• AC-4.5: Withdrawal rate limits active (5%/hour, 15%/day, 40%/week)
• AC-4.6: Insurance Fund receives 10% of yield payouts automatically
• AC-4.7: All contracts passed external audit (Trail of Bits + OpenZeppelin)

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5. Staking (WEB only)

Critical restriction: staking is fully excluded from APP. Available exclusively via the WEB platform.

5.1 APP: Display for User

#	Requirement
5.1.1	APP displays only Monthly Yield in percent (for users with staking)
5.1.2	APP displays "—" (for users without staking)
5.1.3	On tap of "—" → "Learn more" popup → deep link to WEB
5.1.4	Not in APP: $ amounts, balance, deposit/withdraw, yield calculator

5.2 WEB: Full Staking Functionality

WellexVault (single ERC-4626), Lock-up by amount ($0–999 → 0d, $1K–9999 → 30d, $10K+ → 90d), Auto-compound ($129) — see: 06_YIELD_PROTOCOL.md and section 4 of this document.

5.3 Acceptance Criteria — Staking

• AC-5.1: APP shows only Monthly Yield % (no $ amounts)
• AC-5.2: "Deposit" button absent in APP — only in WEB
• AC-5.3: Lock-up correctly calculated per deposit separately
• AC-5.4: Auto-compound activates for $129, reinvest happens automatically

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6. MLM Network (WEB only)

Critical restriction: MLM structure is fully excluded from APP. SSOT: 09_PARTNER_PROGRAM.md · 28_MLM_MARKETING_PLAN.md

6.1 Ranks v5.0 (10 ranks, canonical chain)

#	Rank	Min. referrals	Min. PV	Depth levels
1	Explorer 🧭	1	$100	1
2	Builder 🔧	3	$500	2
3	Achiever 🏅	10	$3,000	3
4	Manager 📊	25	$15,000	4
5	Director 💎	50	$50,000	5
6	Leader 🛡️	100	$200,000	6
7	Ambassador 🌐	200	$500,000	7
8	Master 👁️	350	$1,000,000	8
9	Champion 👑	500	$3,000,000	9
10	Legend 🔱	1,000	$10,000,000	10

6.2 MLM Module Requirements

#	Requirement
6.2.1	APP does not display MLM tree, partner bonuses, or referral link
6.2.2	All partner functions — WEB only
6.2.3	WVI from APP affects WVI Performance Bonus in WEB (single integration point)
6.2.4	8 income streams: Direct referrals, Team, Matching, Rank, WVI Performance, Leadership Pool, Fast Start Pool, Infinity Bonus (Champion+)
6.2.5	Depth: each rank unlocks next level (Explorer=1, Legend=10)
6.2.6	All payouts on-chain in USDC, delay < 5 minutes
6.2.7	Referral code generated automatically on registration

6.3 Acceptance Criteria — MLM

• AC-6.1: MLM tree unavailable in APP (no element)
• AC-6.2: All 10 ranks correctly calculated by PV and referral count
• AC-6.3: 8 income streams credited per correct formulas
• AC-6.4: On-chain payouts < 5 minutes after accrual
• AC-6.5: Referral link wellex.ai/join/{nickname} works correctly

Remaining MLM mechanics — 09_PARTNER_PROGRAM.md

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7. Band and Health Data Pipeline

SSOT: 08_HARDWARE.md · 03_WELLNESS_SCORE.md

#	Requirement
7.1	Wellex Band v1: PPG (HR/HRV/SpO2), ECG, accelerometer, gyroscope, thermometer, EDA
7.2	Connection via BLE 5.0+; sync every 15 minutes
7.3	Offline buffer: 48 hours without phone
7.4	OTA firmware updates
7.5	Data pipeline: Sensor → BLE → APP → Wellex Oracle → On-chain WVI
7.6	Anti-manipulation: ML anomaly detection, HRV fingerprint, circadian cross-validation
7.7	TEE Secure Element (Wellex Band v2, Q2 2027)
7.8	Calibration: 7 days; during calibration WVI = fixed 50, yield = 2%/mo
7.9	Grace Days: 3 days/mo (WVI = average of last 7 active days)
7.10	WVI Floor for stakers: minimum WVI = 25 (not 0) with active staking

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8. Subscription

#	Requirement
8.1	Single plan: $19/mo — no other plans, no annual price
8.2	Minimum period: 3 months
8.3	Payment: USDC / USDT / bank card / local methods (no provider branding)
8.4	Included: Wellex Band + WVI + Yield + AI Coach + Partner Program
8.5	Recurring billing, automatic
8.6	Grace Period on failed charge: 7 days
8.7	On cancellation: access until end of paid period, band remains with user
8.8	Auto-compound ($129 one-time) — separate option, not part of subscription

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9. KYC/AML

#	Requirement
9.1	Provider: Sumsub SDK
9.2	KYC Tier 0: Email verified → withdrawal limit $1,000/mo
9.3	KYC Tier 1: Passport/ID → limit $10,000/mo
9.4	KYC Tier 2: Passport + Proof of Address → no limit
9.5	AML: Chainalysis KYT (primary) + Elliptic (secondary)
9.6	Sanctions screening: OFAC SDN, EU, UN, HMT (daily sync)
9.7	Travel Rule: Notabene for TX > $1,000
9.8	Fraud Detection: Isolation Forest ML (47 features) + rule-based engine
9.9	Fraud Score 0–100; block threshold ≥ 70; auto-SAR at ≥ 85

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10. Dashboard: APP vs WEB

APP — Screens

#	Screen	Content
1	🏠 Home	WVI (0–100), Monthly Yield %, streak, AI recommendation, mini-chart
2	📊 Metrics	3 WVI components, charts, trends, AI insights
3	👥 Community	Groups, challenges, leaderboards, social feed, friends
4	🤖 AI Assistant	AI Coach (video/audio/text), forecasts, reports
5	⚙️ Settings	Profile, band, subscription, "→ WEB version" button

Not in APP: staking, wallet, MLM, finances, $ amounts.

WEB — Modules

#	Module	Content
1	💰 Wallet	Balance, yield, deposit/withdraw, history
2	📈 Staking	WellexVault (single), Monthly Yield in $, lock-up, calculator
3	🌐 Network	MLM tree, bonuses, ranks, promo materials
4	🤖 AI Agents	Wallet Agent, Growth Agent, Analytics
5	📊 Analytics	WVI + yield history, forecasts, export
6	🏥 WVI Widget	Mini-WVI + link to APP
7	🛡️ Admin	Admin panel (staff only)

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11. Security and Privacy

Encryption, GDPR, TEE, audits — per standard specification

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12. Community (APP only)

Functionality available exclusively in APP.

#	Requirement
12.1	Wellness Groups: create, join, up to 500 members
12.2	Team Challenges: team competitions by WVI
12.3	1v1 Duels: 7-day duels by WVI
12.4	Leaderboards: Global, Regional, Friends, Group
12.5	Social Feed: achievements, milestones, reactions
12.6	Discovery: AI group recommendations by interests and geolocation
12.7	Privacy: granular opt-in for each feature
12.8	Moderation: ML spam filter + manual moderation + "Report" button
12.9	Community unavailable in WEB

Acceptance Criteria — Community

• AC-12.1: User creates group and invites members
• AC-12.2: Team challenge tracks team average WVI
• AC-12.3: 1v1 duel lasts 7 days and determines winner
• AC-12.4: Leaderboards update in real time
• AC-12.5: Social feed displays friends' achievements
• AC-12.6: Discovery recommends relevant groups

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13. Notifications

APP Push / In-app

#	Event	Push	In-app
1	WVI update	✅	✅
2	AI recommendation	✅	✅
3	Challenge update	✅	✅
4	Friend achievement	—	✅
5	Streak reminder	✅	✅
6	Monthly Yield change (for stakers)	✅	✅
7	Band charge	✅	✅
8	Security alert	✅	✅

WEB Email / In-app

#	Event	Email	In-app
1	Staking reward credited	—	✅
2	MLM bonus	—	✅
3	New referral	✅	✅
4	Rank upgrade	✅	✅
5	Subscription billing	✅	✅
6	Withdrawal processed	✅	✅

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14. Localization & Multi-Language Support

Supported Languages (Launch + Roadmap)

Language	Code	Region	Priority	Timeline
English	EN	Global (default)	🔴 Launch	Day 1
Russian	RU	CIS, MENA	🔴 Launch	Day 1
Spanish	ES	LATAM	🔴 Launch	Day 1
Portuguese	PT	Brazil, Portugal	🔴 Launch	Day 1
Indonesian	ID	SEA	🟡 Month 2	M2
Arabic	AR	MENA	🟡 Month 2	M2
Turkish	TR	Turkey, MENA	🟡 Month 3	M3
Vietnamese	VI	SEA	🟢 Phase 2	Q3 2026
Thai	TH	SEA	🟢 Phase 2	Q3 2026
Uzbek	UZ	CIS	🟢 Phase 2	Q3 2026

Localization Architecture

▸ i18n framework: i18next (React/WEB) + React Native i18n (APP) ▸ Strings stored in JSON files by language: /locales/{lang}/translation.json ▸ Auto-detect language by IP + browser locale → fallback EN ▸ User can switch manually (Settings → Language) ▸ RTL support: Arabic → automatic layout flip ▸ Numbers and currency: formatted by locale (Intl.NumberFormat) ▸ Dates: ISO 8601 on server → local format on client

What Is Localized

▸ Full UI (buttons, labels, error messages) ▸ Push notifications ▸ Email notifications (onboarding, yield alerts, community) ▸ AI Coach recommendations (GPT-4o with system prompt in target language) ▸ Partner Academy materials (5 languages: RU, EN, ES, PT, ID) ▸ Legal disclaimers (adapted to user jurisdiction)

What Is NOT Localized (remains EN)

▸ Blockchain hashes and technical identifiers ▸ Error codes (for support) ▸ Admin panel (EN only)

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15. API Architecture

APP API Endpoints

Group	Endpoints
Auth	POST /auth/register · POST /auth/login · POST /auth/refresh
Health	POST /health/sync · GET /health/metrics · GET /health/wvi · GET /health/emotions
Community	GET /community/groups · POST /community/groups · GET /community/challenges · POST /community/duels
Leaderboards	GET /leaderboards/{type}
AI	POST /ai/chat · GET /ai/recommendations
User	GET /users/me · PATCH /users/me
Notifications	GET /notifications · PATCH /notifications/settings

WEB API Endpoints

Group	Endpoints
Auth	POST /auth/wallet-connect · POST /auth/wallet-verify
Wallet	GET /wallet · GET /wallet/transactions · POST /wallet/withdraw
Staking	POST /staking/stake · POST /staking/unstake · GET /staking/positions · GET /staking/rewards
MLM	GET /network/tree · GET /network/stats · GET /network/bonuses
Subscription	POST /subscription/create · DELETE /subscription/cancel
KYC	POST /kyc/start · GET /kyc/status

Shared Endpoints

Group	Endpoints
WVI	GET /wvi/current · GET /wvi/history · GET /wvi/monthly-rate
Export	GET /export/csv?from=&to= · GET /export/pdf?from=&to= · GET /export/json

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16. Webhooks & Developer API

16.1 Webhooks — Real-Time Events

Wellex sends webhook notifications to partner URL on key events:

Event	Payload	When
yield.credited	amount, wvi, rate, tx_hash, timestamp	On yield credit
deposit.confirmed	amount, network, tx_hash, lock_until	After deposit confirmation
withdrawal.completed	amount, network, tx_hash, timestamp	After withdrawal
partner.referred	partner_id, rank, timestamp	New partner in structure
partner.rank_upgrade	partner_id, old_rank, new_rank	Partner rank upgrade
partner.inactive	partner_id, days_inactive	Partner inactive >14 days
wvi.threshold	old_wvi, new_wvi, new_rate	WVI threshold crossed
bracelet.disconnected	device_id, last_sync	Band not synced >24h

16.2 Webhook Security

▸ Each event signed: X-Wellex-Signature: HMAC-SHA256(secret, payload) ▸ Retry logic: 3 attempts with exponential backoff (1m, 5m, 30m) ▸ Timeout: 10 seconds for response ▸ Expected response: HTTP 200. Otherwise — retry. ▸ Webhook logs: 30 days history in WEB Dashboard → Settings → Webhooks

16.3 Webhook Registration

POST /webhooks
{
  "url": "https://your-app.com/wellex-hook",
  "events": ["yield.credited", "partner.rank_upgrade"],
  "secret": "your_signing_secret"
}

16.4 Developer API — Public Endpoints

For B2B integrations (corporate wellness, partner platforms):

Endpoint	Method	Purpose	Auth
/v1/wvi/{user_id}	GET	User's current WVI	API Key
/v1/yield/rate?wvi=72	GET	Yield rate for WVI	API Key
/v1/partner/tree/{partner_id}	GET	Structure tree (3 levels)	API Key + OAuth
/v1/partner/stats/{partner_id}	GET	Partner stats	API Key + OAuth
/v1/health/check	GET	Platform status	Public

16.5 API Authentication

Authorization: Bearer {api_key}
X-Wellex-Version: 2026-03-01
Content-Type: application/json

API Keys created in WEB Dashboard → Settings → Developer → API Keys. Rate limit: 1000 req/min per API Key. Exceeded → HTTP 429.

16.6 SDK

Platform	Package	Status
JavaScript / Node.js	npm install @wellex/sdk	Launch
Python	pip install wellex-sdk	Launch
iOS (Swift)	Swift Package Manager	Launch
Android (Kotlin)	Gradle dependency	Launch
React Native	npm install @wellex/react-native	Month 2

Documentation: developers.wellex.ai (internal, opens after launch)

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Appendix: Tech Stack

Layer	Technology
Mobile (APP)	SwiftUI (iOS) + Kotlin / Jetpack Compose (Android)
Web (WEB)	React 18 + TypeScript + Vite
Backend	FastAPI (Python 3.12)
Database	PostgreSQL + Redis + TimescaleDB
Blockchain	Multi-EVM (ETH, Polygon, BSC, Arbitrum, Optimism, Base, Avalanche), Solidity 0.8.x, ERC-4626, ERC-4337
Wallet	Fireblocks / Dfns (MPC) + WalletConnect v2
Auth	JWT + OAuth 2.0 + EIP-4361 (SIWE)
KYC	Sumsub SDK
Push	FCM + APNs
Email	SendGrid
Monitoring	Grafana + Prometheus + Sentry
CI/CD	GitHub Actions + Docker + Kubernetes

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© 2026 Wellex. Confidential.

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v6.0 — Claim & Reinvest Requirements

Updated to v6.0 per Alexander directives 12.03.2026

Claim (MVP — required)

• Claim available from Day 1 of yield accrual
• 2 free claims/month, from 3rd — 10% fee
• API: POST /api/v1/yield/claim → { amount, fee_applied, net_amount }
• Claim counter: GET /api/v1/yield/claim-count → { month, used, free_remaining }

Reinvest

• Min $100, max 1x/month
• API: POST /api/v1/yield/reinvest → { amount, status, next_available_date }
• Qualifying action: triggers bonus calculation

Grace Period

• 14 days after band connection: floor 4%/month
• API: GET /api/v1/yield/grace-status → { active, days_remaining, floor_rate }