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Sivan Ai

Celo Mainnet ERC-8004 Agent #9827

Celo Chain ID 42220

Autonomous Web3 Payment Infrastructure

Autonomous Service Agreements & Instant cNGN Bank Settlement

Sivan Ai coordinates non-custodial milestone-based Service Agreements, programmable stablecoin settlements, and verified fiat clearing directly inside Opera MiniPay. User funds are secured in cryptographic smart accounts on Celo Mainnet, protected against custodial seizure, and released autonomously upon verifiable milestone completion.

Ledger Speed

0.15s (Sub-Second)

NIBSS Rails

1 to 2 Minutes SLA

Custody

100% Non-Custodial

Autonomous Service Agreement & Milestone Payment Release

Verifiable milestone lifecycle with non-custodial smart accounts.

Workflow Status: Active & Operational

STEP 1: INITIATION

Define Milestones

Specify terms (5 to 50 USDC bounds).

STEP 2: FUNDING

Lock Collateral

Sub-second 0.15s ledger lock on Celo.

STEP 3: INSPECTION

Agent Verification

Inspect deliverable proof-of-work.

STEP 4: SETTLEMENT

Autonomous Release

Instant release to provider wallet.

Agreement #SA-2026-0927 Milestone 1 Approved

Milestone 1 (50%)

12.50 USDC

Deliverable Verified

Milestone 2 (50%)

12.50 USDC

Pending Final Delivery

Nigerian Bank Off-Ramp Calculator (cNGN / USDC)

Direct settlement under 1 to 2 minutes via NIBSS / NIP banking rails.

Live Rail: NIBSS NIP Connected

Send Amount (USDC)

USDC

Permitted testing bounds: 5.00 USDC to 50.00 USDC

Destination Bank

Recipient 10-Digit NUBAN

Recipient Receives: 36,630.00 NGN

Live Exchange Rate: 1 USDC = 1,480.00 NGN

Gross Amount: 37,000.00 NGN

Sivan Off-Ramp Fee (1.0%): -370.00 NGN

Liquidity & Settlement Provider: Textile FX / Busha Rails

Expected Settlement: Under 1 to 2 Minutes

Security Architecture, Custody Model & Privacy Policy

Non-Custodial Smart Accounts: Sivan Ai never holds custody of private keys or pool funds. Users authenticate through non-custodial smart accounts or deterministic Web3 key pairs on Celo (Chain ID 42220). Service agreements lock funds in autonomous on-chain smart contracts.

Settlement SLA: On-chain smart settlement executes in sub-second (0.15s), while local bank off-ramps settle under 1 to 2 minutes via NIBSS / NIP rails into Nigerian accounts.

Privacy & Data Protection: User personal financial data is never sold or harvested. Local storage is strictly limited to user theme preferences.

Transparent Fee Architecture Separation

Sivan Transfer Fee (On-Chain)

0.5% (Max 2.00 USDC)

Applies to peer-to-peer transfers and Service Agreement milestones.

Sivan Off-Ramp Fee (Fiat / NGN)

1.0% Flat

Applies to fiat disbursements into Nigerian banks via NIBSS rails.