irl.coop Cooperative Settlement System Specification

Core Architecture

Purpose: Enable frictionless contributions to permissioned groups while providing groups immediate liquidity through sponsor pre-deposits, eliminating 130-day fiat settlement risk for recipients.

Contributor → Fiat → Group Escrow (130-day hold)
Sponsor(s) → Crypto → Group Liquidity Pool (instant access)
Platform → Leveraged Interest Amplification + DAO Governance

Primary Entities & Relationships

1. Groups (hierarchical, nested)

   • Membership rules (invite-only, public, tiered access)
   • Democratic governance (quadratic voting, token-weighted)
   • Escrow accounts (fiat + interest-bearing)

2. Contributors (individuals/groups)

   • Any fiat amount → creates certificate of contribution
   • Certificate = membership rights

3. Sponsors (individuals/groups)

   • Pre-deposit crypto (USDT/USDC) to group liquidity pools
   • Earn leveraged interest from total escrow capital
   • Receive group DAO shares proportional to risk assumed

4. Platform (Robbie-irl.coop)

   • Manages escrow accounts + interest optimization
   • 2% fee on settlements
   • WebRTC trust rooms + dispute arbitration

Complete Transaction Flow

1. Contributor joins group → Pays $X fiat → Receives X Group Certificates
2. Platform pools → $X fiat + sponsor crypto → Interest-bearing escrow
3. Sponsors activate → Deposit $Y crypto → Group spends immediately
4. Leverage amplification → Platform adds Z capital (10x sponsor deposits)
5. T+130 days → Fiat settles → Sponsors repaid + proportional interest

Example with numbers (Contributor: $500, Sponsor: $500, Platform: $5,000):

Total Escrow: $5,500 → 1.5% APY → $85.63 interest over 130 days

Settlement Distribution:

• Sponsor: $500 principal + $85.63 interest (17% yield)
• Platform: $5000 principal + 2% fee ($110)
• Contributor: Certificates redeemed → group membership rights retained
• Group: Retains sponsor's original $500 crypto permanently

Key System Features

1. Nested Group Hierarchy

Workshop (Jack)

• Pottery Circle (Jane-Potter, Sarah-Seed)
• Weaving Collective (Jane-Weaver, Sarah-Scale)
• Glazing Guild (Jane-Glazer, Sarah-Vision) Contributions flow up hierarchy; sponsors can target specific sub-circles.

2. Dynamic Sponsor Matching

Sponsor Pool → Auto-matches to groups by:

• Alignment (past support, mission match)
• Capacity (available liquidity)
• Yield preference (leverage multiplier)

3. Interest Amplification

Platform capital (10x sponsor deposits) creates:

• Higher absolute interest pool
• Proportional sponsor yields (15-20% vs 1.5% base)
• Sustainable fee generation (2% of principal + interest)

4. Trust Infrastructure

• 4-way WebRTC rooms (Contributor/Sponsor/Group/Platform)
• Real-time escrow dashboards
• Ceramic streams for immutable trade records
• DAO governance for dispute resolution
• Chargeback protection pool (10% of platform interest)

Risk Management

Chargeback Scenarios:

• Individual sponsor absorbs proportional loss
• Platform insurance pool covers first 20% of claims
• DAO vote allocates additional coverage if needed
• Contributor tokens remain valid (group membership persists)

Fiat Finality: 130-day hold covers Visa/MC/ACH dispute windows Crypto Finality: Instant (sponsor deposits non-custodial)

Technical Implementation

Frontend: Next.js + Tailscale + WebRTC (P2P video/chat) Blockchain: Cosmos/EVM hybrid (USDT vaults + DAO tokens) Database: Ceramic (immutable contributor records) Escrow: Coop credit union APIs + on-chain verification Signaling: Socket.io over Tailscale (encrypted, P2P-first)

Scalability Model

Single Circle: $5,500 capital → $85 interest → $110 fees 10 Circles: $55,000 capital → $850 interest → $1,100 fees
100 Circles: $550K capital → $8.5K interest → $11K fees

Unit economics: $20 fee per $1,000 contributed → 20bps/month platform take-rate

User Onboarding Flow

1. Browse groups → See live sponsor coverage (85% funded)
2. Contribute $X → Instant group tokens + WebRTC room invite
3. Sponsors matched → Group receives crypto immediately
4. Weekly trust calls → Dashboard shows interest accrual
5. T+130d → Auto-settlement + sponsor rotation

This creates a self-sustaining economy where contributors gain belonging, sponsors earn leveraged yields, groups receive instant capital, and the platform compounds through scale. Physical cash, crypto, and community trust flow in one continuous circle.