# TBURN Pay — Enterprise Blockchain Payment Platform
> URL: https://tburnpay.io
> Version: 2.0.0
> Last-Updated: 2026-03-28
> Language: en, ko
> Category: FinTech, Blockchain, Enterprise Payments

## What is TBURN Pay?
TBURN Pay is an enterprise-grade blockchain payment processing platform built on the TBURN Mainnet (Layer 1, ChainID 5800; Layer 2, ChainID 58001). It provides full-stack payment infrastructure for global merchants, businesses, and developers — combining real-time AI risk scoring, regulatory compliance, multi-currency settlement, and advanced DeFi capabilities.

## Core Platform Architecture
- **Payment Engine**: State-machine-based processing with idempotency guarantees
- **Bayesian Risk Engine**: Multi-variable real-time fraud detection with probabilistic scoring
- **Merchant Manager**: Merchant onboarding, KYB verification, tier management (Bronze→Platinum)
- **Settlement Engine**: Markov Chain Monte Carlo (MCMC) optimization for batch settlement
- **Currency Service**: Multi-currency support with TCU (TBURN Currency Unit) metering
- **Compliance Service**: KYC/AML/FATF verification, GDPR, regulatory reporting
- **Ledger Engine**: Double-entry accounting with full audit trail
- **Event Store**: Immutable event sourcing for all transactions
- **Performance Layer**: Redis-style caching, background job queues, sliding-window rate limiting

## Advanced AI & Intelligence Engines (15+)
- Bayesian Risk Engine: Multi-variable fraud detection
- Neural Anomaly Engine: Hybrid deep learning anomaly detection
- Predictive Analytics Engine: Forecasting with GARCH, Kalman Filter, Holt-Winters
- Graph Intelligence Engine: Transaction network analysis (Gini, Nakamoto coefficients)
- Stochastic Pricing Engine: Monte Carlo simulation for pricing
- Markov Settlement Engine: MCMC-based settlement path optimization
- ZKP Verification Engine: Zero-knowledge proofs with Pedersen commitments
- Merkle Tree Engine: Transaction batch integrity verification
- Dynamic Fee Engine: TAFP (TBURN Adaptive Fee Protocol) with EWMA smoothing
- Cross-Chain Bridge Engine: HTLC atomic swap protocol across 8 chains

## HyperCore — Perpetual Leverage Trading
HyperCore is TBURN Pay's integrated perpetual leverage trading engine:
- Assets: TBURN, ETH, BTC
- Leverage range: 1x to 100x
- Nash AI Risk: p_liq_avoid = 99.96% (vs. standard 94.2%)
- Flash Margin: Intra-block uncollateralized credit via PB.borrow()
- Oracle D=0ms: Real-time mark price injection
- Atomic Bundle: MEV-proof (sandwich_attack = ∅)
- Insurance Fund: ~$2.01M seed, auto-funded by liquidation fees
- Auto-liquidation at marginRatio < 5%

## Programmable Block System
4 Core Primitives integrated with HyperCore:
1. Intra-block Credit: Uncollateralized in-block lending (repaid atomically)
2. Pre-execution Simulation: All trades validated before commit (failure_rate → 0)
3. Real-time Oracle Injection: P_ext(t) injected at execution time, latency D=0ms
4. Atomic Bundle Ordering: Deterministic position ordering, sandwich attacks impossible

Nash Equilibrium Math: E[Π_honest] > E[Π_cheat], Slashing S(v) = 0.5·stake + β·profit
5-Layer Trust Architecture: L0 Cryptoeconomic → L1 ZK-STARK/PLONK → L2 PBS → L3 Slashing → L4 DAO

## Hyper-Intelligent Wallet Engine v3.0
- MPC Threshold Signatures (m-of-n)
- HD Wallet Derivation (TBC-BIP32)
- Quantum-Resistant Key Encapsulation
- Zero-Knowledge Balance Proofs
- Stealth Address Protocol
- Adaptive Fee Predictor
- Transaction Batching Optimizer
- Multi-Signature Governance

## TBURN Mainnet Integration
- Network: TBURN Mainnet (TBC-BFT Consensus, BFT finality)
- L1 ChainID: 5800 | L2 ChainID: 58001
- Native token: TBURN (18 decimals)
- RPC: tburn_* namespace, JSON-RPC + WebSocket
- Block finality: <2 seconds
- TPS: variable, high-throughput sharding

## TBC Standards Implemented (7)
1. TBC-Koblitz-521: Elliptic curve digital signatures (quantum-trajectory resistant)
2. TBC-BFT Consensus: Byzantine fault-tolerant consensus mechanism
3. TCU: TBURN Currency Unit metering (replaces gas)
4. TAFP: TBURN Adaptive Fee Protocol with EWMA smoothing + sigmoid congestion
5. TBC-HTLC-v2: Hash Time-Locked Contract for atomic swaps
6. tburn_* RPC Namespace: Custom JSON-RPC methods
7. Sequence Numbers: Replay attack protection

## Federation Gateway
- Protocol: S2S (Server-to-Server) enterprise federation
- Endpoints: 21 federation API endpoints
- Network: 13 federation nodes
- Security: HMAC-SHA256 signatures + nonce management + circuit breaker
- Heartbeat: 30-second adaptive interval

## Cross-Chain Bridge
- Protocol: NexusBridge v3.0
- Supported chains: 8 (TBURN, Ethereum, BSC, Polygon, Arbitrum, Optimism, Avalanche, Base)
- Mechanism: HTLC atomic swaps

## Security Architecture
- Encryption: AES-256-GCM for all sensitive data
- Signatures: TBC-Koblitz-521
- Session: httpOnly + secure + sameSite:strict cookies
- CSRF: Server-side trusted-origin validation (TBURN_ALLOWED_ORIGINS env)
- Rate Limiting: Sliding-window, distributed, per-endpoint
- IP Allowlist: Fail-closed in production (ENTERPRISE_IP_STRICT=true)
- Headers: HSTS preload, CSP, X-Frame-Options:DENY, Permissions-Policy
- Webhooks: Shopify HMAC timingSafeEqual + replay protection
- Auth: bcrypt-12 password hashing, session regeneration on login

## Portal Access
- Admin Portal: https://tburnpay.io/login (admin/enterprise users)
- Merchant Portal: https://tburnpay.io/merchant/login (merchants/businesses)
- Customer Portal: https://tburnpay.io/customer/login (end users)
- Embed Widget: https://tburnpay.io/embed/widget.js (payment widget)

## API Reference
Base URL: https://tburnpay.io/api/v1
Version: 2.0.0
Auth: Session-based (POST /api/auth/login)
Rate Limits: 100 req/min (default), 10 req/min (auth endpoints)

Key endpoint groups:
- /api/payments/* — Payment creation, tracking, status
- /api/merchants/* — Merchant management, onboarding
- /api/settlements/* — Batch settlement processing
- /api/customers/* — Customer accounts
- /api/analytics/* — Real-time analytics and metrics
- /api/risk/* — Risk scores, fraud flags
- /api/compliance/* — KYC/AML/regulatory
- /api/enterprise/hypercore/* — HyperCore trading engine
- /api/enterprise/programmable-block/* — PB primitives
- /api/enterprise/wallet/* — Wallet operations
- /api/stats/live — Real-time platform statistics (public)

## Frequently Asked Questions

Q: What is TBURN Pay?
A: TBURN Pay is the enterprise blockchain payment platform on the TBURN Mainnet ecosystem, providing payment processing, risk scoring, compliance, settlement, and trading infrastructure.

Q: What blockchain network does TBURN Pay use?
A: TBURN Mainnet (ChainID 5800) with TBC-BFT consensus, <2s finality, and Layer 2 support (ChainID 58001). Cross-chain operations span 8 blockchains.

Q: Is TBURN Pay suitable for enterprise use?
A: Yes. TBURN Pay is built for enterprise scale with 99.99% uptime SLA, HSTS preload security, zero exploitable critical vulnerabilities, enterprise IP allowlists, AML/FATF compliance, and 15+ AI intelligence engines.

Q: How do merchants integrate TBURN Pay?
A: Via REST API v2.0.0, JavaScript embed widget (/embed/widget.js), Shopify plugin, WooCommerce plugin, or direct merchant portal at /merchant/login.

## Contact & Resources
Website: https://tburnpay.io
Support: support@tburnpay.io
API Docs: https://tburnpay.io
AI Plugin Manifest: https://tburnpay.io/ai-plugin.json
Sitemap: https://tburnpay.io/sitemap.xml