Intelligence

OpenGDP embeds opt-in privacy, selective disclosure, and policy-driven execution for real-world workflows. It protects operational metadata while preserving auditability, so fintechs, institutions, and governments can operate at real volume without leaking business context. Intelligence is where payment and asset workflows become operable in production: sensitive metadata can be shielded, controls can be enforced, and multi-step processes can be coordinated without pushing everything into bespoke application logic.

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Opt-in Privacy

Most systems leak metadata, not value. Invoice IDs, payout references, customer identifiers, internal notes, and reconciliation fields are often more sensitive than the amount itself. OpenGDP supports opt-in privacy to protect operational metadata while keeping settlement verifiable.

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Common metadata to protect

• Invoice, order, payout, and remittance identifiers: references used for reconciliation and accounting
• Customer identifiers: emails, account numbers, CRM IDs
• Reconciliation fields: ledger codes, cost centers, subledger tags
• Internal notes: payment reasons, routing notes, counterparty annotations

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Selective Disclosure

Privacy in production requires accountability. Selective disclosure allows authorized parties to view protected metadata when required, without making it public by default.

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Common disclosure targets

• Counterparties: reconciliation and remittance validation
• Internal compliance teams: controls, investigations, and exception handling
• Auditors and regulators: oversight and reporting

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Controls

Intelligence enables policy-driven execution so controls are enforced as part of the workflow, not bolted on after the fact.

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Examples of controls

• Allowlist and blocklist rules: restrict assets, accounts, or counterparties
• Role-based permissions: approvals, multi-signer flows, delegated authority
• Limits and thresholds: amount caps, velocity limits, time windows
• Pre-execution checks: identity, accreditation, screening hooks
• Emergency controls: pause, freeze, recovery workflows when configured

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Verifiable Workflows

Real-world settlement is rarely a single transfer. It is a workflow: approvals, routing, conversion, conditional release, and post-trade operations. Intelligence supports verifiable workflows that coordinate multi-step processes across applications and counterparties while maintaining consistent logs for audit and operations.

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Common workflow patterns

• Approval flows: treasury sweeps and large payouts
• Conditional settlement: escrow-style releases and milestone-based payout logic
• Routing and conversion steps: embedded in payment flows when corridors require it
• Delegated execution: automated systems operating under defined constraints

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Auditability

Production systems need observability. Intelligence is designed to preserve auditability even when metadata privacy is enabled.

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Operational expectations

• Consistent events: indexing, monitoring, and alerting
• Clear outcomes: execution results and failure reasons
• Traceability: incident response and reconciliation workflows