TECHNICAL WHITEPAPER
Sovereign Financial Market Infrastructure
Universal Modular Architecture for Regulated Distributed Ledger Infrastructure
v3.1 — December 2025
For Institutional & Regulatory Review
RMOZ is a Permissioned Financial Market Infrastructure (FMI) designed to facilitate the settlement of commercial bank liabilities and biometric payment instructions within the United Arab Emirates and the Kingdom of Saudi Arabia.
CORE VALUE PROPOSITION
Built for Regulatory Compliance from Day One
| Proposition | Description | Legal Basis |
|---|---|---|
Legal Finality | Settlement finality is irrevocable upon ledger commitment | Article 131 CBUAE Law, Article 6 KSA Law of Payments |
Risk-Free Settlement | Settlement Guarantee Fund (SGF) with "Defaulter Pays" model | CBUAE Large Value Payment Systems Regulation |
Data Sovereignty | Domestic data residency guaranteed; no cross-border PII replication | UAE PDPL, KSA PDPL |
Compliance Attestation | Infrastructure for LFIs to record compliance proofs on-chain | FATF Recommendation 16 |
Zero Compliance Liability | RMOZ provides rails only; LFIs retain all compliance obligations | Banking Regulations UAE/KSA |
PLATFORM CHARACTERISTICS
Enterprise-Grade Proven Performance
Consensus Protocol
NabdBFT — Deterministic Byzantine Agreement
Transaction Finality
< 3 seconds, zero fork probability
Throughput Capacity
10,000+ TPS with < 1.5s latency
Uptime Guarantee
99.99% SLA
Core Architecture
Universal Modular with Single Golden Binary
Security Model
Hardware Root of Trust (TPM/HSM)
Jurisdictions
SAMA (KSA), CBUAE (UAE), GCC Expansion
TABLE OF CONTENTS
7 Parts • 25 Sections • Appendices
PART I
THE SOVEREIGN IMPERATIVE
1. Executive Summary
2. Legal Framework & Regulatory Alignment
3. The Sovereign Binary Paradigm
4. Cryptographic Genesis Licensing (CGL)
PART II
SYSTEM MODEL & GOVERNANCE
1. The BaaS Enabler Model
2. Participant Roles & Classification
3. Sovereign Architecture
4. Compliance Responsibility Model
PART III
UNIVERSAL MODULAR ARCHITECTURE
1. The Sleeping Giant Architecture
2. Commercial Service Modules
3. License Tier Structure
4. Jurisdiction Compliance Enclaves
PART IV
TECHNICAL SPECIFICATIONS
1. NabdBFT Consensus Protocol
2. Settlement Mechanics & Guarantee Fund
3. ISO 20022 Integration
4. Biometric Payment System (RMOZ Pay)
PART V
SECURITY & INFRASTRUCTURE
1. Hardware Root of Trust
2. Compliance Attestation Framework
3. Network Security & Data Residency
4. License Lifecycle Governance
PART VI
DEVELOPER REFERENCE
1. API Reference
2. Gateway SDK
3. Core Implementation (C)
PART VII
DEPLOYMENT & ROADMAP
1. Case Studies
2. Production Roadmap
Plus: Glossary of Terms, Technical Configuration Examples, Legal References
COMPLIANCE DISCLAIMER
RMOZ does not perform KYC/AML screening. RMOZ does not maintain sanctions lists. RMOZ does not make compliance decisions. All compliance obligations—including customer due diligence, transaction monitoring, sanctions screening, and suspicious activity reporting—remain solely with the Licensed Financial Institution (LFI). RMOZ provides infrastructure for compliance attestation recording only.
Request the Full Whitepaper
Technical Whitepaper v3.1 is available for institutional and regulatory review. Contact us to receive the complete document.