Lupine Systems is a compliance-first, cross-border value movement stack that integrates AI intelligence, execution rails, and cloaked compliance for global research, health, and innovation ecosystems.
Aiva — The Intelligence Layer
Determines how and when value should move (routing, FX timing, corridor scoring, risk-aware decisions).
Lupine — The Payment Execution Rail
Moves funds securely and transparently across corridors (AU ↔ SG ↔ MY).
Cloked Compliance — The Silent Regulatory Shield
Ensures AI-resistant, audit-ready exports and blockchain-anchored trust.
Together, they enable you to:
Move value with certainty. Decide how it moves. Prove it’s safe to move.
AIVA → LUPINE → CLOKED COMPLIANCE
- Aiva (ai/): FX and route simulation, thresholds, sanctions mock, velocity checks, carbon estimator, audit logging.
- Lupine (rail/): FastAPI service with
/quote,/pay, and/statusendpoints, supporting AU↔SG↔MY corridors. - Cloked Compliance (compliance/): KYC flows, risk logs, statement hashing → anchor (testnet) → verify → uncloak.
| Layer | Tools |
|---|---|
| Backend | Python · FastAPI · Pydantic |
| Compliance | Blockchain Anchoring · KYC Flow · Risk Logging |
| AI Layer | FX Trend Analysis · Smart Routing · Compliance Scoring |
| Frontend (future) | Vite · Tailwind · ShadCN · Lovable.dev |
| Infrastructure | Docker · GitHub Actions CI/CD (planned) |
ai/ → Aiva intelligence engine
rail/ → Lupine payment rail (FastAPI)
compliance/ → Cloaked Compliance trust layer
fx_data/ → Mock FX, balances, audit, and carbon data
docs/ → Vision, Mission, Governance, Ethics
tests/ → Compliance and routing verification
logbook.md → Daily build journal
To build AI-safe, compliance-first financial infrastructure
that connects innovation ecosystems across the Indo-Pacific —
where speed, transparency, and trust move together.
- Reduce cross-border payment friction for regulated sectors
- Make compliance auditable yet invisible (“Cloked”)
- Embed ethical AI decisioning in every transaction
- Prove that trust can scale as infrastructure
Q4 2025
- Integrate Aiva routing engine with Lupine rail sandbox
- Anchor compliance exports to Polygon testnet
- Demo: Export → Hash → Anchor → Verify → Uncloak
2026
- Pilot corridor AU ↔ SG ↔ MY
- Implement carbon-aware FX optimization
2027–2030
- Expand corridors (Japan, India, Indonesia)
- Obtain EMI / AFSL licensing
- Launch Cloaked Compliance as a Service (CaaS)
Chirantan (Chris) Gogoi
📍 Based in Australia
Fintech strategist and compliance innovator building AI-resilient payment infrastructure for the Indo-Pacific.
🔗 LinkedIn
📧 cheeroo2020 [at] gmail.com
Transparency without exposure.
Compliance without delay.
Trust without friction.
A next-gen multi-currency wallet with AI-powered smart FX recommendations, live trend analysis, environmental impact tracking, and DeFi-friendly architecture — designed and built by a solo founder to explore the future of money, cross-border finance, and digital wallets.
Aiva is a build + learn journey to explore how the future of money is being shaped by:
- Smart FX engines
- Real-time trend data
- AI UX logic
- Environmental impact tracking (Green FX)
- Multicurrency interoperability
- Blockchain + DeFi infrastructure
- Compliance & risk intelligence
├── ai/ # Smart FX engine & simulations
│ ├── fx_trend_analysis.py
│ ├── fx_trend_with_threshold.py
│ ├── fx_conversion_sim.py # FX simulation with compliance + audit logging
│ └── carbon_estimator.py
│
├── fx_data/ # Mock FX, balances, transaction, and carbon data
│ ├── fxrates.json
│ ├── balances.json
│ ├── transactions_sample.json
│ ├── transactions_log.json # enriched with compliance + carbon
│ ├── audit_log.json # structured audit log
│ └── carbon_factors.json
│
├── lovable_ui/ # UI exported from Lovable (Markdown + assets)
│ ├── ai_suggestion_component.md
│ ├── compliance_collapsible_panel.md
│ └── Smart Fx.png
│
├── compliance/ # compliance-first reset
│ ├── kyc_flow.md # KYC/AML notes and flows
│ ├── risk_log.json # Risk factors log
│
├── designs/ # UI concepts
├── screenshots/ # Output snapshots for tracking
├── docs/
│ ├── Mission.md # Reset vision pillars
│ ├── audit_log_schema.md # Schema for audit events
│ ├── privacy_compliance.md # Privacy + compliance scaffolding
│ ├── governance.md # Governance and regulator engagement notes
│ └── ai_ethics.md # AI safety & ethics documentation
│
├── tests/ # OCR, compliance, and anchoring test results
│ ├── ocr_results.md
│
├── logbook.md # Daily build journal
└── README.md # Project overview
| Task ID | Title | Status |
|---|---|---|
| AIVA-4 | Design wallet dashboard in Lovable | ✅ Done |
| AIVA-5 | Add 3 currency balance blocks | ✅ Done |
| AIVA-6 | Create FX converter UI | ✅ Done |
| AIVA-7 | Display static transaction log | ✅ Done |
| AIVA-9 | Draft Smart FX GPT prompt logic | ✅ Done |
| AIVA-10 | Create Lovable UI element for AI suggestion | ✅ Done |
| AIVA-11 | Test FX trend data with GPT-style response | ✅ Done |
| AIVA-14 | Add FX threshold logic for convert/wait | ✅ Done |
| AIVA-15 | Simulate FX conversions with mock balances | ✅ Done |
| AIVA-52 | Add Green FX carbon badge to Smart FX UI | ✅ Done |
| AIVA-53 | Add Compliance & Risk collapsible panel to UI | ✅ Done |
| Task ID | Title | Status |
|---|---|---|
| AIVA-17 | Create GitHub repo aiva-wallet | ✅ Done |
| AIVA-18 | Write README.md with vision and stack | ✅ Done |
| AIVA-19 | Add mockdata and ai folders in GitHub | ✅ Done |
Health: Sprint 2 completed successfully.
| Task ID | Title | Status |
|---|---|---|
| AIVA-46 | Compliance Rule Engine (thresholds) | ✅ Done |
| AIVA-47 | Velocity & Pattern Checks | ✅ Done |
| AIVA-48 | Enrich transaction log with compliance metadata | ⏳ In Progress |
| AIVA-49 | Audit Logging framework | ✅ Done |
| AIVA-50 | Privacy & Data Mapping (APP) | ⏳ In Progress |
| AIVA-51 | AI Ethics Safeguards | ⏳ In Progress |
- Compliance-first structure introduced:
/compliance,/docs,/tests - Defined new pillars in
Mission.md - Created KYC and risk log scaffolds
- Documented 4 compliance pillars
- Wallet UI (/lovable_ui) — Complete core dashboard & FX UI
- Smart FX AI Engine (/ai) — Enhanced simulation & audit logic
- FX Data Store (/fx_data) — Carbon and compliance enrichment
- Compliance (/compliance) — Rule framework + KYC logs
- Docs (/docs) — Governance + Ethics scaffolds
- Tests (/tests) — OCR & Anchoring validations
- Complete reset deliverables
- Begin Lupine FastAPI endpoints integration
- Prototype Cloked Compliance exports
- Prepare end-to-end demo flow