Architecture Overview

Hybrid Web2 + Web3 system with AI at the core.

Spendler is built as a modular architecture combining:

  • On-chain Layer (BSC): Smart contracts, token transfers, reward distribution, governance

  • AI Engine Layer: Consumption pattern learning, payment routing, optimization logic

  • Off-chain API Layer: Billers, merchant POS, Web2 card issuers, loyalty systems

  • User Interface Layer: Mobile app, web dashboard, Telegram mini-app (MVP)

All layers communicate via secure APIs and event-based triggers to create seamless, real-time payment decisions.

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