VERITAS Regulatory compliant on chain payments infrastructure
Whitepaper v1.0 · 2025 · Solana Network

Executive Summary

Veritas is a compliance driven payments and identity protocol built on Solana. It provides a legal wrapper, a compliance oracle and indexer, and reference implementations for on chain payroll, NFT based credit cards and real world asset connected credit lines. The protocol is designed so that every critical action can be tied to a clear legal context, a known entity classification and an auditable trail.

The core idea is to move compliance from a manual, off chain process into a machine readable, on chain layer. Veritas does this by combining entity aware smart contract shells, jurisdiction aware configuration and a standardized event model that can be consumed by internal finance teams, regulators and external auditors without rebuilding bespoke systems for each project.

Veritas is structured as infrastructure. It is not a marketplace or a speculative product. Its purpose is to give builders, businesses and institutions a way to adopt Solana for regulated financial workflows without losing transparency, composability or self custody.

2. Payroll Infrastructure

The Veritas payroll system is a reference implementation that shows how compliant, entity aware payouts can run directly on Solana. It treats every payment as a structured event with an employer, a worker classification, a jurisdiction and an associated record in the Legal Wrapper and oracle layers.

How it works:

  1. Business onboarding: A company or DAO onboards through the Veritas dashboard, connects a legal entity and deploys a Legal Wrapper configuration mapped to that entity.
  2. Worker setup: Each worker, contractor or beneficiary completes KYC or KYB through integrated providers. Their receiving wallet is linked to a Program Derived Address that stores classification, country, status and other metadata required for internal and external reporting.
  3. Programmed distribution: On each payroll run, a Solana program distributes approved settlement assets, such as stablecoins or other whitelisted tokens, according to predefined schedules and amounts.
  4. Compliance logging: For every payment, the program records a compact hash of the relevant context, including jurisdiction, classification tags and timestamp, into Veritas PDAs for later retrieval.
  5. Card and off chain integration: Where allowed, workers can connect wallets or entity accounts to a Veritas enabled card or API integration so that the same audited flows can reach traditional payment rails without manual reconciliation.

Key advantages:

  • Instant, borderless payouts that still retain tax and reporting context.
  • Machine readable classification of workers for internal policies and external review.
  • Consistent audit trails for finance, risk and external assurance providers.
  • A pattern that can be reused by other Solana builders for their own payout systems.

3. Compliance Oracle and Indexer Layer

The compliance oracle and indexer layer connects real world verification and policy checks to the on chain state. Rather than storing sensitive documents on Solana, Veritas records structured attestations, references and outcomes that can be recomputed or reverified by authorized parties.

Benefits:

  • Transforms KYC and KYB status, risk flags and sanctions screening results into a consistent set of tags that can be used by multiple applications.
  • Reduces reliance on one off, external audits by keeping data collected, normalized and queryable from the start.
  • Supports jurisdiction aware views, so that partners and regulators can filter events by country, entity type or risk level without bespoke exports.
  • Preserves the immutability of the history while still allowing off chain providers to refresh underlying checks where laws or status change.

4. NFT Credit Card and RWA Integration

Veritas introduces NFT based credit instruments as a way to represent verified financial profiles on chain. The NFT acts as an access key. The underlying credit logic, limits and risk constraints live in controlled PDAs and programs that are aware of the Legal Wrapper configuration.

  • Each NFT can be tied to a profile that includes entity, jurisdiction, permitted merchant categories and a credit limit defined by governance or risk engines.
  • Transfers or lifecycle changes of the NFT trigger program logic so that only an eligible, verified holder can use the card or credit line.
  • Real world assets, such as invoices, equipment or other claims, can be tokenized as RWAs and locked to the profile as collateral for more advanced credit structures.

The goal is not to recreate existing card networks but to give builders a way to create programmable, auditable credit relationships that can interface with them. By grounding each card and RWA in the Legal Wrapper and oracle layers, Veritas keeps visibility over who is using the rails and under what rules.

Tokenomics

Token name: VERITAS Role: Attestation bond token for regulated protocol functions Network: Solana SPL Total functional cap: 1,000,000,000 VERITAS units, subject to governance controlled mint and burn rules.

The VERITAS token is designed as an attestation bond. It is used inside the protocol to open, maintain and retire configurations that carry regulatory or operational significance. Examples include enabling a Legal Wrapper for an entity, registering a jurisdiction aware payroll configuration, issuing NFT credit profiles or anchoring RWA vaults. In each case, a defined amount of VERITAS must be bonded to signal responsibility and support predictable behavior. The total functional cap of 1,000,000,000 VERITAS units is sized to accommodate a projected TCVL necessary to underwrite the Legal Wrapper Framework for an estimated 1,000 enterprise partners.

These bonds are not custodial deposits by end users. They are protocol level commitments that can be placed and managed by integrators, service providers or governance controlled contracts. Misuse, misconfiguration or confirmed policy violations can trigger partial or full slashing of the bond according to rules approved by the DAO, while correct operation over time can allow bonds to be released or reallocated.

The token is not required to read data, view dashboards or perform low risk analytical operations. It is only required where the protocol exposes actions that change the state of regulated workflows or create ongoing responsibilities that benefit from an explicit, on chain attestation and bond.

Allocation Percentage Purpose
Protocol usage buffer 35% Bonds and working balances held at the protocol level to underwrite Legal Wrappers, attested configurations and controlled migrations between protocol versions.
Compliance operations and research 20% Legal analysis, standards work, audits and coordination with service providers that keep the protocol aligned with evolving regulations.
Ecosystem integrations and grants 20% Support for builders, enterprises and infrastructure teams that integrate the Legal Wrapper, oracle or indexer layers into their own products.
Governance and participation incentives 15% Reimburses and support for delegates, domain experts and working groups that review proposals, run research and help operate the governance process.
Stewardship and maintenance 5% Compensation and time-bound budgets for core contributors and infrastructure providers responsible for day to day reliability and security of protocol components. This compensation is for services rendered and is not intended as an investment return.
Risk reserve and incident response 5% A reserve held under strict governance controls to address critical incidents, remediation work and other unforeseen obligations that protect ecosystem stability.

Vesting Schedule

The release of VERITAS is structured to favor protocol continuity, accountable governance and careful expansion of the ecosystem. No part of this schedule is intended as a forecast or representation of value. It describes how different functional pools become available for use over time.

Category Allocation Vesting model
Protocol usage buffer 35% Activated gradually as more Legal Wrappers, attested configurations and credit profiles come online, with parameters set and monitored by the DAO.
Compliance operations and research 20% Streamed over time to pre approved legal, audit and research partners under transparent mandates and documented deliverables.
Ecosystem integrations and grants 20% Released in tranches tied to measurable integration milestones, such as protocol deployments, volume thresholds or regulatory approvals obtained by partners.
Governance and participation incentives 15% Distributed on an ongoing basis to contributors who participate in governance, review proposals, maintain documentation or operate approved public goods.
Stewardship and maintenance 5% One year cliff followed by linear release over four years to support long term protocol maintenance by core technical and operational teams until renouncing to decentralized multi-sig.
Risk reserve and incident response 5% Held offline under multi signature control, with activation only possible through specific, governance approved procedures in response to defined incident classes.

Governance Model

Veritas is governed by a DAO that focuses on protocol parameters, safety thresholds and alignment with applicable regulations. VERITAS token holders can submit and vote on proposals affecting the Legal Wrapper framework, oracle integrations, indexer schemas and allocation of functional pools described in this document.

Governance is intended to be transparent and evidence based. Proposals are expected to include technical specifications, risk assessments and, where relevant, commentary from legal and compliance advisors. This gives builders and external observers a clear view into how rules are set and how tradeoffs are considered.

Execution of approved decisions is carried out by multi signature smart contracts and operational teams that have been identified and authorized by the DAO. This separation of policy setting, implementation and review is meant to reduce centralization risk and make Veritas easier to understand for institutions and regulators.

Sustainability and Roadmap

Short term

Mid term

Long term

Why Veritas Matters

For many builders and institutions, the main barrier to using public blockchains is not throughput or fees. It is the absence of clear, reusable patterns for compliance, classification and audit. Each new project is forced to recreate its own interpretation of regulatory obligations, which is expensive for teams and difficult for regulators to evaluate.

Veritas addresses this by turning compliance sensitive concepts into shared infrastructure. Legal Wrappers make entity structures visible. The oracle layer turns checks into attestations. The indexer layer makes events easy to trace, filter and explain. Reference implementations for payroll, cards and RWAs show how these pieces can be combined in practice.

Any protocol or business that adopts Veritas gains a more consistent legal posture and a clearer audit story, while still benefiting from Solana’s speed and composability. In the long term, this kind of common infrastructure can make it easier for regulators and institutions to engage with the ecosystem in a structured, constructive way.

Conclusion

Veritas is intended as a blueprint for decentralized compliance on Solana. It combines Legal Wrappers, attestation based oracles, indexer driven transparency and a functional attestation bond token into a single, coherent protocol. Each part can be used independently, but together they provide a path for more regulated and risk conscious participants to use public infrastructure responsibly.

The objective is not to predict outcomes or promise results. It is to provide a set of tools that make it easier for builders, businesses and regulators to share the same view of what is happening on chain. If Veritas can make Solana safer to adopt without sacrificing openness, it will have served its purpose as a public good for the ecosystem.