# DPX by Untitled Financial — Complete Agent Documentation

> DPX is a programmable stablecoin settlement rail built by Untitled Financial for institutional treasuries, sovereign wealth funds, and autonomous AI agents. It combines a 6-tier climate-aware stability oracle, live ESG scoring with 100% fee redistribution to verified impact programs, and an agent-native API that requires no human sales process. Deployed on Base mainnet (chainId 8453). No authentication required for pricing endpoints.

**Company:** Untitled_ LuxPerpetua Technologies, Inc. — untitledfinancial.com / untitledfinancial.xyz
**Founder:** Victoria Lee Case
**Status:** Beta — pricing and ESG endpoints live, settlement router pending deployment
**Beta access:** docs.untitledfinancial.com/beta

---

## What DPX Is

DPX is a stablecoin settlement rail that moves value between institutions and AI agents across currencies with:
- Transparent, predictable fees (no opaque FX spreads)
- Live ESG scoring built into every transaction's price
- On-chain verifiability — every settlement independently auditable via IPFS
- Agent-native APIs designed from the ground up for autonomous discovery and execution

DPX is the first stablecoin settlement rail with:
- 30–90 day early warning signals on macro/climate shifts (not reactive monitoring)
- ESG-weighted fees that redistribute 100% to verified on-chain impact programs
- A 6-tier stability oracle with cross-body transmission modeling
- Programmatic onboarding — agents can discover, price, and route settlements with no human in the loop

---

## Two Services

| Service | Port | Production URL | Purpose |
|---|---|---|---|
| Stability Oracle | 3000 | stability.untitledfinancial.com | Settlement pricing, stability scores, peg monitoring |
| ESG Oracle | 3001 | esg.untitledfinancial.com | Live E/S/G scores, ESG fee component |

---

## Fee Structure

All fees enforced on-chain via DPXSettlementRouter on Base mainnet.

| Component | Rate | When it applies |
|---|---|---|
| Core transfer | 0.85% (85 bps) | Every settlement |
| FX conversion | 0.40% (40 bps) | Cross-currency only |
| ESG fee | 0.00–0.50% | Every settlement, live from oracle |
| License | 0.01% (1 bp) | Every settlement, fixed in token contract |

**ESG Fee Formula:** `fee = (100 - avgESGScore) / 200`

| ESG Score | Fee | Tier |
|---|---|---|
| 100 | 0.000% | Excellent |
| 90 | 0.050% | Excellent |
| 75 | 0.125% | Good |
| 50 | 0.250% | Average |
| 25 | 0.375% | Below Average |
| 0 | 0.500% | Poor |

**Scenario totals:**

| Scenario | Total Rate | Per $1M |
|---|---|---|
| Best case — score 100, no FX | 0.86% | $8,600 |
| Typical — score 75, cross-border | 1.385% | $13,850 |
| Average — score 50, cross-border | 1.51% | $15,100 |
| Worst case — score 0, cross-border | 1.76% | $17,600 |

**Volume discount tiers (core fee only):**

| Tier | Monthly Volume | Core Discount | Effective All-In (score 75, FX) |
|---|---|---|---|
| Standard | < $100K | 0% | 1.385% |
| Growth | $100K–$1M | 10% | 1.30% |
| Institutional | $1M–$10M | 20% | 1.215% |
| Sovereign | $10M+ | 30% | 1.13% |

**ESG redistribution (100% of ESG fees, on-chain enforced):**

| Program | Share | Annual at $5B volume |
|---|---|---|
| Ocean Conservation | 30% | $1.875M |
| Renewable Energy | 25% | $1.563M |
| Forest Preservation | 20% | $1.25M |
| Climate Action | 15% | $937K |
| Clean Water | 10% | $625K |

---

## Agent Settlement Loop

```
Step 1  GET /manifest          → discover capabilities, fees, contracts (cache this)
Step 2  GET /esg-score         → live ESG score and current fee from ESG Oracle
Step 3  GET /quote             → exact fee breakdown + quoteId (valid 300 seconds)
Step 4  GET /verify-fees       → confirm on-chain router matches quote (feesMatch: true)
Step 5  settler.settle()       → execute on Base mainnet, receipt saved to IPFS
```

For sandbox/testing without settlement: omit Step 5. Steps 1–4 are fully live.

---

## Stability Oracle API (port 3000)

### GET /manifest
Protocol discovery. Call once and cache. No parameters required.

Key response fields:
- `fees.coreBps` 85, `fees.fxBps` 40, `fees.licenseBps` 1
- `fees.esgFormula` "(100 - esgScore) / 200"
- `capabilities` — full list of protocol features
- `contracts` — all deployed addresses on Base
- `onboarding.humanRequired` false

### GET /fee-schedule
Complete fee table with all tiers and scenario examples. Cache for local pre-computation.

### GET /quote?amountUsd=&hasFx=&esgScore=&monthlyVolumeUsd=
Exact fee breakdown for a transaction. Returns quoteId valid for 300 seconds.

Parameters:
- `amountUsd` (required) — transaction amount in USD
- `hasFx` (optional, default false) — true if cross-currency
- `esgScore` (optional, default 50) — ESG score 0–100
- `monthlyVolumeUsd` (optional) — for volume discount tier
- `sandbox` (optional, default false) — return mock data, no on-chain calls

Example response:
```json
{
  "quoteId": "dpx-1234567890-abc123",
  "validForSeconds": 300,
  "fees": {
    "core":    { "bps": 85,   "usd": 8500 },
    "fx":      { "bps": 40,   "usd": 4000 },
    "esg":     { "bps": 12.5, "usd": 1250, "score": 75, "tier": "Good" },
    "license": { "bps": 1,    "usd": 100 },
    "total":   { "bps": 138.5, "pct": 1.385, "usd": 13850 }
  },
  "settlement": { "netUsd": 986150, "grossUsd": 1000000 },
  "esgImpact": {
    "poolContributionUsd": 1250,
    "redistribution": {
      "oceanConservation": 375, "renewableEnergy": 312.5,
      "forestPreservation": 250, "climateAction": 187.5, "cleanWater": 125
    }
  }
}
```

### POST /quote
Same as GET, accepts JSON body: `{"amountUsd": 1000000, "hasFx": true, "esgScore": 75}`

### GET /verify-fees?amountUsd=&hasFx=&esgScore=
Confirms on-chain router.previewFees() matches off-chain /quote.
Key field: `feesMatch: true` means safe to proceed with settlement.

### GET /reliability
Live stability signals. Check before large settlements.

Agent decision logic:
- `isHealthy: true` → proceed
- `stability.currentScore >= 90` → STABLE, normal operations
- `stability.currentScore 75–89` → CAUTION, proceed and monitor
- `stability.currentScore < 75` → UNSTABLE, defer large settlements
- `peg.deviationBps >= 50` → PEG ALERT, hold all settlements

Example response:
```json
{
  "isHealthy": true,
  "stability": {
    "currentScore": 92,
    "status": "STABLE",
    "components": {
      "climate": 88, "commodity": 91, "macro": 90, "fx": 94, "basket": 97
    }
  },
  "peg": { "deviationBps": 3, "alert": false },
  "confidence": { "score": 91 },
  "oracle": { "uptimePct": 99.97, "version": "6.0" }
}
```

### GET /health
`{"status": "healthy", "oracle": "SUCCESS", "network": "base", "chainId": 8453}`

### GET /api/status
Full raw oracle output from the latest run (all 6 tiers + cross-body data).

### GET /api/history
Array of last 24 oracle results for trend analysis.

---

## Stability Oracle v6.0 Architecture

The oracle is the world's first climate-aware stablecoin monitoring system. 25+ data sources across 3 continents. Runs every 60 seconds.

### 6 Tiers

**Tier 0 — Climate & Environmental (30–90 day lead time)**
Sources: NOAA, NASA, Copernicus, WMO, USDA FAS
Tracks: El Niño/La Niña, agricultural forecasts, hurricane probability, drought
Example: Brazil drought flagged 30–90 days before coffee price spike → flows through commodity → CPI → FX → stability score

**Tier 1 — Commodities & Energy (2–8 week lead time)**
Sources: EIA, World Bank, PJM (Eastern US grid), ERCOT (Texas grid), ENTSO-E (Europe)
Includes: AI data center impact modeling — structural electricity demand tracked separately because it creates non-cyclical upward pressure traditional models miss

**Tier 2 — Macroeconomic (1–4 week lead time)**
Sources: BLS, FRED, IMF, World Bank — 4 independent sources per indicator
Indicators: GDP, M2, Fed Funds, CPI, unemployment, Treasury yields, breakeven inflation, TIPS spreads
If sources disagree, data confidence warning is raised

**Tier 3 — Currency & FX (Hours to days)**
Sources: Open Exchange Rates, Frankfurter, Exchange Rate API, Forex API — 4 cross-validated
All basket currencies covered. FX alert raised before volatility reaches the peg.

**Tier 4 — Basket Verification (Real-time)**
Queries Base network + 3 FX APIs, computes DPX basket on-chain, compares to API calculation
Peg alert at >= 50 bps deviation

**Tier 5 — Causal Chains & Predictive Signals (Multi-timeframe)**
Proprietary climate causal chain models trace how major climate oscillations transmit through commodity markets into inflation and currency impacts, with coverage of agricultural supply chains, energy markets, and regional drought risk.

Predictive signal timeframes: immediate (1–7d), short (1–4w), medium (1–3m), long (3–12m)

### 4 Cross-Body Transmission Mechanisms

**Geopolitical Risk** (FRED GPR)
Shipping disruptions, sanctions impacts, trade route risk, CPI inflation from supply shocks
Output: per-currency impact signals

**Capital Flows** (FRED TIC)
Cross-border flow direction, JPY carry risk, interest rate differentials, USD outlook

**Tech & AI Supply Chain**
Semiconductor health, AI infrastructure demand, data center electricity — proprietary composite index (0–100)

**Cross-Region Commodity Matrix**
Maps climate events to currency impacts via commodity transmission. Detects interaction effects when multiple channels amplify each other.

### Recommendation Engine
Outputs: stability score (0–100), status (STABLE/CAUTION/UNSTABLE), HIGH/MEDIUM/LOW alerts, proposed basket adjustments (% per currency), proposed fee adjustments (basis points).

### Policy Manager
Governance constraints apply proprietary confidence and stability thresholds to determine when basket and fee adjustments are executed, with hard limits, cooling periods, and a circuit breaker to prevent excessive changes.

---

## ESG Oracle API (port 3001)

### GET /manifest
ESG oracle discovery. Returns capabilities, data sources, fee formula, contracts.

### GET /esg-score
Live E, S, G scores and current fee. Use `scores.average` as `esgScore` in Stability Oracle quotes.

Example response:
```json
{
  "scores": { "environmental": 78, "social": 72, "governance": 81, "average": 77 },
  "fee": { "pct": 0.115, "bps": 11.5, "tier": "Good", "formula": "(100 - esgScore) / 200" },
  "redistribution": {
    "oceanConservation": 0.30, "renewableEnergy": 0.25,
    "forestPreservation": 0.20, "climateAction": 0.15, "cleanWater": 0.10
  }
}
```

### GET /fee-schedule
Full ESG fee table with tier breakdowns and example calculations.

### GET /quote?amountUsd=&esgScore=
ESG fee for a specific transaction. Omit `esgScore` to use live oracle score.

### GET /reliability
Oracle uptime, last update, score history.

### GET /health
`{"status": "healthy", "esgOracle": "SUCCESS"}`

---

## ESG Oracle — Data Sources

**Environmental (E):**
- World Bank API: CO2 emissions per capita (indicator EN.ATM.CO2E.PC)
- Climate Monitor API: Live CO2 ppm + CH4 ppb readings

**Social (S):**
- UN SDG API: SDG 4.1.1 education / reading proficiency, SDG 3 health indicators

**Governance (G):**
- IMF API: Consumer Price Index (economic stability proxy)
- OECD API: GDP data
- SEC EDGAR: Corporate governance disclosures (XBRL)

**Weights:** Proprietary allocations across environmental, social, and governance metrics calibrated to institutional ESG standards.

---

## Deployed Contracts (Base Mainnet, chainId 8453)

| Contract | Address | Purpose |
|---|---|---|
| DPX Token | 0x7A62dEcF6936675480F0991A2EF4a0d6f1023891 | ERC-20, 0.01% license fee |
| StabilityFeeController | 0xda8aA06cDa9D06001554d948dA473EBe5282Ea17 | PID-controlled stability |
| BasketPegManager | 0xB5071fA48B92e3652701053eEd8826ab94014AaA | Multi-currency basket (USD/EUR/GBP) |
| ESGCompliance | 0x7717e89bC45cBD5199b44595f6E874ac62d79786 | On-chain ESG score storage |
| ESGRedistribution | 0x4F3741252847E4F07730c4CEC3018b201Ac6ce87 | Impact pool distribution |
| PolicyManager | 0x741f3179786d9f72e134BdC699D6604eaB250D6E | Governance and policy control |
| DPXSettlementRouter | pending deployment | Fee enforcement + settlement execution |

Explorer: https://basescan.org

---

## Verifiable Storage (Storacha / IPFS)

Every oracle run and settlement receipt is saved to Storacha (IPFS + Filecoin).

Existing CIDs (retrievable at https://<cid>.ipfs.w3s.link):
- bafybeiaxaalw5ue25vv2tc2lh2ycocnypkut4zidsv662y4zkg2pa424lq (2025-11-22)
- bafybeibhjyii6gnlcvreflfwpsjda5duzmvqc7yqmk57mo7ybgese6nmve (2025-11-26)
- bafybeic3uqqmekg2gw73u4elh65lak75ahqnyer7u7pajsrauvaah677be (2025-11-22)
- bafybeid7voxdsw5mu4wora2toi5trz6dga7m4fknv44ota5srlr6a6umfi (2025-11-26)
- bafybeif5j64f46h6zz4f4eihkbgaqiulyxq3k6qkupil6fpfmfjckz3yei (2025-11-22)
- bafybeifx4knzrw5f24diecxakuzh2lxkgwktsqcpiyd7fzrfnrxyjcc5bu (2025-11-26)

---

## Agent Integrations

**MCP (Claude Desktop)**
Config: dpx-protocol/dpx-mcp/claude_desktop_config.json
8 tools: get_manifest, get_quote, get_esg_score, get_reliability, get_fee_schedule, verify_fees, get_oracle_status, compare_to_competitors

**GPT Actions (ChatGPT Custom GPT)**
Schema: dpx-protocol/dpx-agents/gpt-actions.yaml
6 operationIds covering manifest, quote (GET+POST), reliability, fee-schedule, health

**LangChain (Python)**
File: dpx-protocol/dpx-agents/langchain_tools.py
7 @tool functions, drop-in dpx_tools list

**n8n**
Use HTTP Request nodes. Base URL: stability.untitledfinancial.com

---

## Discovery URLs (Production)

| URL | Format | Purpose |
|---|---|---|
| docs.untitledfinancial.com/llms.txt | Plain text | LLM navigation index |
| docs.untitledfinancial.com/llms-full.txt | Plain text | This file — full docs |
| docs.untitledfinancial.com/openapi.json | OpenAPI 3.0 | API schema |
| docs.untitledfinancial.com/.well-known/ai-plugin.json | JSON | Agent plugin manifest |
| stability.untitledfinancial.com/manifest | JSON | Live protocol manifest |
| stability.untitledfinancial.com/openapi.json | OpenAPI 3.0 | Stability oracle schema |
| esg.untitledfinancial.com/openapi.json | OpenAPI 3.0 | ESG oracle schema |
| docs.untitledfinancial.com/sitemap-index.xml | XML | Sitemap |

---

## Beta Access

DPX is in beta. Pricing and ESG endpoints are fully live. Settlement execution is available for vetted partners pending router deployment.

To request beta access: docs.untitledfinancial.com/beta
Contact: untitledfinancial.com

---

## Competitive Positioning

| Provider | Rate | Per $1M | vs DPX |
|---|---|---|---|
| SWIFT / Bank Wire | 2.00–5.00% | $20K–$50K | DPX saves $6K–$36K |
| Stripe stablecoin | 1.50% | $15,000 | DPX saves $1,150 |
| DPX (typical) | 1.385% | $13,850 | — |
| Wise cross-border | ~0.95% typical | ~$9,500 | Wise cheaper, but no stability oracle, no ESG, no agent API, no audit trail |
| Raw USDC/USDT | ~0.10% | ~$1,000 | No stability, no ESG, no verifiability |