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Appendix: References & Glossary

ADRs

The architecture decisions this whitepaper rests on. Each is a recorded, dated decision with its context and consequences.

ADR Decision
001 The product is AURA Money, a name inherited from published work, not reinvented
002 Base only in v1; code is chain-agnostic, other networks by configuration later
003 Privy embedded wallet as signer controlling an ERC-4337 smart account; pluggable so it can be dropped for passkey-only
004 Full app shell, MVP substance, core banking is real; ramps, card, merchant QR are designed coming-soon states, built for an investor/partner demo
005 Chains are banks, addresses are accounts, the abstraction that drives all IA, copy, and error handling (details)
006–009 Contract architecture: the untrusted relayer, on-chain policy, Tier-4-to-loosen, the AI holds no key
010 Recovery, layered, with no AURA-held rotation capability (details)
011 Self-custody, no KYC in the MVP demo; identity verification arrives with cards and on/off-ramps

Standards

Standard Role in AURA
ERC-4337 v0.7 Account abstraction, seedless, gasless, batched operations
ERC-7579 Modular smart-account standard, validators, executors, hooks, fallbacks
ERC-7562 Bundler validation storage rules, why the auth ladder is enforced in execution, not validation
EIP-55 Mixed-case checksum for EVM addresses, the deterministic typo catch
WebAuthn / P-256 Passkey signatures from the device secure enclave
CREATE2 Deterministic, counterfactual account addresses

Glossary

Technical terms used in this whitepaper, with the banking word AURA shows a user.

Technical term AURA presents it as Meaning
Chain / network Bank An independent settlement network (e.g. Base)
Address Account The destination a transfer settles to
Stablecoin Currency A fiat-denominated token (USDC, EURC, GBPT)
Gas (hidden) The fee to execute an operation; paid by the paymaster
UserOperation (hidden) An ERC-4337 intent submitted to the EntryPoint
Bundler / relayer (hidden) Submits operations on-chain; cannot authorise them
Hook (preCheck) (hidden) ERC-7579 interceptor that runs on every execution, the auth ladder
Session key (hidden) A scoped, expiring, capped key enabling no-prompt small payments
Attestation (hidden) A signed KYC claim carrying no PII on-chain
Reorg (hidden) A chain reorganisation; a cleared payment is corrected and the user told

One more time, because it matters

This document describes an architecture and a testnet demonstration. The contracts are unaudited, no real customer funds are handled, and nothing here is a solicitation or financial advice. See Implementation status and the pre-mainnet checklist.