A DAO governance-based double-layer double-direction flow type slice payment method and system

Abstract

This invention discloses a two-layer, bidirectional streaming slice payment method and system based on DAO governance, belonging to the category of legal digital currency payment, compliant stablecoin trading, blockchain distributed governance and time-series slice streaming payment technology in the Web3.0 value internet field. IPC classification numbers: G06Q20 / 08, G06Q20 / 38, G06Q20 / 40, G06F16 / 27, G06Q40 / 00. This invention, based on distributed state machine synchronization and time series analysis, constructs a two-layer, bidirectional streaming architecture comprising a one-way digital currency streaming payment layer and a two-way digital asset streaming delivery layer. This enables deep integration of digital RMB, compliant stablecoins, and RWA real-world assets into a comprehensive streaming payment system. Through dynamic matching of α / β rate coefficients, it achieves atomic-level state synchronization, transaction rollback, and strong bidirectional linkage between payment and delivery. Combined with DAO on-chain consensus governance and a dual-signature security verification mechanism, it establishes a distributed two-layer ledger storage and decentralized arbitration system for user nodes. Without altering the underlying architecture of the legal digital currency, this invention solves the technical problems of existing technologies, such as the inability to synchronize cross-heterogeneous asset payments and deliveries, weak risk control capabilities, insufficient compliance, and the disconnect between DAO fund governance and payment scenarios. It is suitable for core scenarios such as cross-category digital asset transactions, cross-border multi-currency settlement, and continuous fulfillment of RWA across all scenarios.

Description

Technical Field

[0001] This invention falls under the category of legal digital currency payment, compliant stablecoin trading, blockchain distributed governance, and time-slice streaming payment technology within the Web3.0 value internet field. Specifically, it involves a peer-to-peer (P2P) decentralized two-layer bidirectional streaming slice payment system and method based on DAO (Decentralized Autonomous Organization) governance. This system achieves deep integration and comprehensive streaming payment of digital RMB, compliant stablecoins, and RWA (Real-World Assets). The core of this system utilizes standardized time-slice technology to achieve the theoretical foundation of method synchronization with a distributed state machine, enabling strong bidirectional linkage between time-slice streaming payment of legal digital currency / compliant stablecoins and streaming delivery of RWA and on-chain digital rights. It is applicable to core digital economy scenarios such as cross-category digital asset trading, cross-border multi-currency settlement, DAO distributed fund management, and continuous fulfillment of RWA across all scenarios. The RWA mapping described in this solution refers to the process of anchoring the ownership information of offline assets to the blockchain after data verification via an oracle, forming on-chain digital certificates. This process does not involve financial transactions of assets; it only provides on-chain notarization and streaming delivery of asset ownership. The technical contribution of this solution lies in resolving the ledger consistency issue in continuous performance transactions across heterogeneous assets through time slicing and bidirectional state machine synchronization, rather than providing a new financial business model. International Patent Classification (IPC): G06Q20 / 08, G06Q20 / 38, G06Q20 / 40, G06F16 / 27, G06Q40 / 00. Background Technology

[0002] With the nationwide rollout of the digital yuan (e-CNY) and the standardized implementation of compliant stablecoins, a prepaid fund supervision and settlement model based on digital yuan smart contracts (public patent CN115662568A, the closest existing technology of this invention) has been implemented in prepaid consumption scenarios such as education and training, and fitness. This model freezes the entire amount of prepaid funds in a supervisory account, triggering a fixed amount transfer upon completion of a single performance event, thus mitigating the risk of fund redemption in prepaid scenarios to some extent. Meanwhile, the on-chaining of real-world assets (RWA) has become a core track for the integration of blockchain and compliant finance. Existing RWA transaction technologies (such as public patent CN116092347A) all adopt a one-time full transfer model, failing to achieve bidirectional linkage between streaming delivery and legal digital currency. Existing technologies have not yet achieved deep integration of the digital yuan, compliant stablecoins, and RWA, lacking a unified theoretical foundation and standardized technical implementation method for time-sliced ​​streaming payments, making it impossible to complete comprehensive streaming payments across heterogeneous assets. Furthermore, the transaction processing of various assets is independent, lacking a unified time-series control and rate matching framework.

[0003] The applicant's research revealed the following unresolved core technical defects in the closest existing technology and related existing technologies:

[0004] 1. The single-dimensional control is flawed, failing to achieve bidirectional synchronous performance of payment and delivery, and even more so, failing to achieve deep integration of digital RMB, compliant stablecoins, and RWA into a comprehensive streaming payment system. The closest existing technology only achieves single-dimensional, post-event control of fund flow, with the core logic of "full fund freeze + single transfer triggered by performance event." It does not deeply link the fund payment flow with the asset / service delivery flow technically, lacks a quantitative control mechanism for the delivery flow, and can only verify whether a performance event has occurred, failing to achieve synchronous linkage between payment and delivery. Furthermore, it relies on a centralized regulatory agency to complete the freezing and transfer triggering of funds, failing to achieve bidirectional risk control from the technical foundation, and still suffers from technical pain points such as inadequate performance and cumbersome refund processes. Furthermore, existing streaming payment solutions in this field, whether targeting fund flows or asset flows, typically adopt a single-dimensional, one-way slicing processing mode. They have not built a unified time-series slicing framework for digital RMB, compliant stablecoins, and RWA across assets, and lack the theoretical support of streaming payment that integrates the three. Their technical solutions themselves have not built a closed-loop mechanism for two-way linkage and real-time interruption between fund flows and asset flows, and thus cannot solve the aforementioned pain points.

[0005] 2. The lack of triggering logic and quantitative matching mechanisms, coupled with the absence of standardized time-series slicing technology, makes it impossible to adapt to differentiated performance scenarios and cross-asset integrated payment needs. The closest existing technology adopts event-triggered passive transfer, lacking a quantifiable control model for payment and delivery rates. It can only execute fixed-amount transfers based on fixed performance events, failing to achieve customized and dynamic adjustments to the payment and delivery rhythm. Existing streaming payment technologies in this field have also failed to build a linkage matching mechanism between payment and delivery, lacking a theoretical foundation for time-series slicing based on time series analysis and discrete-time system modeling. This results in the inability to achieve bidirectional linkage interruption, weak risk control capabilities, and neither can adapt to the differentiated needs of complex continuous performance scenarios, let alone support integrated streaming payments for digital RMB, compliant stablecoins, and RWA.

[0006] 3. Centralized governance architectures are ill-suited to the fund management needs of decentralized autonomous organizations (DAOs) and cannot provide distributed governance support for cross-asset integrated streaming payments. The closest existing technology is based on a centralized / semi-centralized regulatory architecture, with the central bank and operating institutions leading rule-making and fund management. Lacking a distributed governance mechanism, it cannot meet the distributed decision-making, continuous service procurement, and long-term fund allocation needs of DAOs. Existing DAO treasuries mostly employ static multi-signature mechanisms, which are not integrated with the time-slicing and progress-based fulfillment characteristics of streaming payments. This prevents dynamic binding of fund management and fulfillment progress, posing technical risks such as private key leakage, abuse of permissions, and malicious operations. Furthermore, it cannot support the comprehensive management of multi-asset streaming payments.

[0007] 4. There are technical limitations to the adaptability of assets and scenarios. There is a lack of streaming payment technology for cross-asset integration of digital RMB, compliant stablecoins, and RWA, and RWA streaming delivery technology is also lacking. The closest existing technology only supports a single type of legal tender asset, the digital yuan, and is limited to traditional prepaid scenarios for end users. It lacks the ability to adapt to payments and deliveries of compliant stablecoins, digital assets, on-chain rights, and RWA real-world assets, resulting in technical limitations in scenario scalability. Some existing streaming payment solutions require modifications to the underlying architecture of the legal digital currency and the splitting of the legal digital currency itself, which does not comply with the regulatory rules for legal digital currencies and cannot achieve compliant implementation. Existing technologies have not built a unified time-slice streaming payment technology implementation path for the digital yuan and compliant stablecoins. The two do not have a deep technical link with the delivery flow of RWA. Existing RWA transaction technology can only achieve one-time full-amount confirmation and transfer, and lacks technical solutions for streaming slice delivery, rate control, and two-way linkage with legal digital currencies / compliant stablecoins. It has core defects such as unclear ownership, mismatched performance rhythm, and high transaction risk, and cannot be adapted to continuous performance scenarios such as RWA leasing, continuous revenue sharing, and supply chain finance.

[0008] 5. Centralized evidence storage and arbitration mechanisms cannot solve the trust issues in peer-to-peer transactions between strangers, nor can they provide reliable evidence storage and arbitration support for cross-asset integrated streaming payments. The closest existing technology adopts a model of centralized evidence storage by operating institutions and centralized arbitration by regulatory agencies, which suffers from technical defects such as single point of failure, data privacy leaks, and opaque rulings. Existing streaming payment solutions either rely solely on single-chain evidence storage on the underlying public blockchain, resulting in transaction congestion and low evidence storage efficiency, or they adopt centralized arbitration mechanisms, which cannot achieve fair and transparent dispute resolution. Existing RWA transaction technology has not built a distributed evidence storage and arbitration system, which cannot solve the trust and dispute issues between strangers in transactions, nor can it provide reliable evidence storage and dispute adjudication for the entire process of digital RMB, compliant stablecoins, and RWA integrated streaming payments. Summary of the Invention

[0009] (a) Technical problems to be solved

[0010] This invention addresses the core deficiencies of the prior art and aims to solve the following technical problems:

[0011] 1. To address the technical problem that existing blockchain systems, when processing continuous fulfillment transactions across heterogeneous asset classes, cannot achieve atomic-level state synchronization and transaction rollback between payment and delivery state machines because their state machines only support unidirectional discrete transactions for a single asset class; to overcome the technical deficiencies of existing smart contracts in concurrency control, exception handling, and cross-layer transaction consistency, and based on distributed state machine synchronization theory, to construct a bidirectional synchronization channel for cross-asset state machines, achieving bidirectional state synchronization, real-time linkage, and transaction-level atomicity between payment flows and asset flows at the blockchain level.

[0012] 2. To address the technical problem of the lack of a quantifiable matching mechanism for payment and delivery in existing technologies, which prevents customization and dynamic adjustment, we will construct a theoretical foundation for time-series slice-based streaming payment based on time series analysis and discrete-time system modeling. We will design standardized time-series slice technology implementation methods, establish accurate rate linkage mathematical models, and adapt to the differentiated performance requirements of all scenarios as well as the comprehensive payment needs of deep integration of digital RMB, compliant stablecoins, and RWA.

[0013] 3. To address the technical challenges of existing centralized architectures being unable to adapt to DAO governance needs and the disconnect between DAO fund governance and payment scenarios, this project aims to achieve deep integration of decentralized DAO governance and time-sliced ​​streaming payments, build a highly secure DAO fund management system, and provide distributed governance and security management support for integrated streaming payments of digital RMB, compliant stablecoins, and RWA.

[0014] 4. To address the technical issues of insufficient compliance, limited asset and scenario adaptation boundaries in existing streaming payment solutions, and the lack of a unified time-slicing technology implementation path for digital RMB and compliant stablecoins, which prevents deep integration with RWA to achieve comprehensive streaming payments, a unified time-slicing streaming payment framework will be constructed for the three without modifying the underlying layers of legal digital currency and compliant stablecoins, thereby achieving adaptation and coverage for multiple asset types and all scenarios.

[0015] 5. To address the technical shortcomings of centralized evidence storage and arbitration in existing technologies, construct a distributed two-layer ledger evidence storage and decentralized arbitration system to solve the trust pain point in peer-to-peer transactions between strangers, and achieve tamper-proof evidence storage and fair and transparent arbitration throughout the entire process of digital RMB, compliant stablecoins, and RWA integrated streaming payments.

[0016] 6. Resolve the existing technical issues of unclear ownership of RWA transaction technology, mismatch in performance schedule, and weak risk control capabilities, and achieve compliant on-chain mapping of RWA digital assets, streaming slice delivery, and precise two-way strong linkage with the time-series slice payment flow of digital RMB / compliant stablecoin, so as to complete the deep integration and comprehensive payment of the three. Technical solution

[0017] To achieve the above objectives, the present invention adopts the following technical solution:

[0018] 1. System Technical Solution

[0019] A two-layer, two-way streaming slice payment system based on DAO governance includes a blockchain underlying module, a smart contract verification module, a DAO governance module, a two-layer, two-way streaming slice payment module, a dual-signature security verification module, and a user node distributed evidence storage and arbitration module.

[0020] The core theoretical foundation of this invention is as follows: Based on distributed state machine synchronization theory, time series analysis theory, and discrete-time system modeling methods, a unified time-series slice streaming payment framework is constructed across heterogeneous assets. This framework integrates the payment flows of digital RMB and compliant stablecoins with the delivery flows of RWA into the same timeline for time-series management. Dynamic matching of rate coefficients achieves deep integration and comprehensive streaming payment among the three. The time-series slicing does not involve the segmentation of the underlying ledger of the legal digital currency; it is implemented only through application-layer calls. The core technical implementation of time-series slicing is: discretizing continuous performance cycles into equidistant / custom time slice units, constructing a standardized slice execution mechanism based on smart contracts with time-triggered / condition-triggered mechanisms, achieving atomic-level slice execution, state synchronization, and transaction rollback for payment and delivery, without altering the underlying architecture of digital RMB and compliant stablecoins, thus maintaining compliance.

[0021] The dual-layer bidirectional streaming slice payment module is the core execution unit of the system and the specific technical carrier of the theoretical basis of time-series slice streaming payment. It includes an interconnected digital currency unidirectional streaming payment layer (digital RMB + compliant stablecoin) and a digital asset bidirectional streaming delivery layer (RWA + on-chain digital rights). The two are deeply integrated based on the same time-series slice framework, sharing time slice units, rate matching rules and interruption mechanisms.

[0022] (1) Digital Currency One-Way Streaming Payment Layer

[0023] Based on the unified implementation of compliant application programming interfaces (APIs) and smart contract call specifications publicly disclosed by the operators of digital yuan and compliant stablecoins, this system does not modify the underlying architecture of digital yuan and compliant stablecoins, does not participate in underlying fund clearing, and does not separate legal tender / compliant tender. A unified time-series slicing control engine for digital yuan and compliant stablecoins is constructed. Through application-layer smart contracts, standardized time-series slicing and rate-based control of payment flows for digital yuan and compliant stablecoins are implemented. Based on a preset unified payment rate coefficient α, payment instructions for a single slice amount are sent to the underlying interfaces of digital yuan and compliant stablecoins respectively. After the underlying interfaces complete the compliant fund transfer, they return a payment success / failure trigger signal to this system, serving as the core basis for linkage with the digital asset delivery layer. The entire process of triggering, executing, and reporting the results of a single slice payment instruction is recorded immutably through the underlying interfaces of digital yuan and compliant stablecoins, ensuring the compliance and traceability of cross-currency integrated payment flows.

[0024] The mathematical expression for payment rate is:

[0025] ΔV a ᵧ = α × Total_Amount / T × Δt

[0026] Where: Δt is the preset standardized minimum time slice unit, which is the core foundation for discrete-time system modeling; T is the agreed total performance period; Total_Amount is the total payment amount of digital RMB / compliant stablecoin, either alone or in combination, agreed upon by both parties; 0 ≤ α ≤ 1; ΔV a ᵧ represents the payment amount within a single time slice, and α is the payment rate adjustment coefficient. When α = 1, the time slice payment is completed at the agreed base rate; when α = 0, the payment is terminated immediately, and the total cumulative payment amount does not exceed Total_Amount. Digital RMB and compliant stablecoins can be included in the same payment flow according to an agreed ratio, sharing the α coefficient and Δt time slice unit to achieve comprehensive time slice payment.

[0027] (2) Digital Asset Two-Way Streaming Delivery Layer

[0028] For quantifiable digital assets, services, rights, content, and RWA real-world assets, this layer achieves compliant on-chain mapping, streaming slice delivery on the same timeline as the digital currency payment layer, and precise two-way strong linkage with the one-way streaming payment layer of digital RMB / compliant stablecoins. The core includes five key aspects: RWA on-chain compliant mapping, streaming slice delivery, two-way linkage matching, risk control, and a closed-loop settlement mechanism. The streaming slice delivery of this layer and the time-series slice payment of the digital currency payment layer are deeply bound based on the same Δt time slice unit, with their time slices perfectly aligned. The delivery rate coefficient β and the payment rate coefficient α are dynamically matched, enabling comprehensive streaming payment linkage between RWA and digital RMB / compliant stablecoins.

[0029] The mathematical expression for delivery rate is:

[0030] ΔV_de = β × Total_Asset / T × Δt

[0031] Wherein: Total_Asset is the total quantitative amount of the total delivery target agreed upon by both parties (including the total share of RWA equity), 0≤β≤1; ΔV_de is the delivery volume within a single time unit of a time slice, β is the delivery rate adjustment coefficient, when β = 1, the streaming slice delivery is completed at the agreed benchmark rate, when β = 0, the delivery is immediately terminated, and the total cumulative delivery amount does not exceed Total_Asset; the β coefficient and α coefficient are calculated based on the same T fulfillment period and Δt time slice unit to ensure the time synchronization of RWA delivery flow and digital RMB / compliant stablecoin payment flow.

[0032] For RWA's delivery of real-world assets, the core technical details of each stage are designed around a deep integration with the time-slice payment of digital RMB / compliant stablecoins, as detailed below:

[0033] ① RWA On-Chain Compliance Mapping: Through a compliance oracle cluster, core data such as ownership certificates, valuation data, status information, and profit rights splitting criteria of RWA offline assets are verified by at least 2 / 3 of the nodes using threshold signatures. A standardized data hash package is then generated and anchored to the blockchain layer for immutable notarization. Based on the verified data, a two-tiered token system (NFT + FT) is generated via an on-chain programmable smart contract. The NFT is the unique on-chain ownership root certificate for RWA offline assets, non-transferable and indivisible. The FT is a streaming slice delivery unit for RWA rights that precisely matches the digital currency time-series slice payment. The total issuance strictly corresponds one-to-one with the total share of RWA offline rights, and the smallest slice unit of the FT forms a fixed mapping relationship with the Δt time slice unit of the digital currency payment layer. The smart contract automatically verifies the compliance of the mapping. After successful verification, the RWA mapping certificate package is stored on the blockchain, completing the RWA process. The compliant on-chain transformation of digital assets lays the asset foundation for a comprehensive streaming payment system that is deeply integrated with digital RMB / compliant stablecoins.

[0034] ② Streaming Slice Delivery: The DAO governance module pre-defines a granularity rule library specific to RWA types. The smart contract automatically matches the smallest quantifiable slice unit based on the attributes of the RWA target, and this unit is synchronized with the Δt time slice unit of the digital currency payment layer, supporting custom adjustments by both parties in the transaction. Following the time-triggered / condition-triggered mechanism unified with the digital currency payment layer, after reaching the preset time node or the oracle sends a condition fulfillment signal, the smart contract automatically transfers the single slice FT certificate from the asset provider to the recipient address, and adds traceability information (including the slice number, amount, and currency information of the corresponding digital currency time-series slice payment) to the FT certificate chain record. After delivery, a delivery completion hash certificate is generated, which serves as the core basis for linkage with the payment layer, ensuring a one-to-one correspondence and deep binding between the RWA delivery slice and the digital currency payment slice.

[0035] ③ Two-way linkage matching process: The RWA delivery layer is proactively triggered, while the digital RMB / compliant stablecoin payment layer passively responds.

[0036] The payment layer's reverse verification mechanism for the delivery layer employs a two-way, strongly linked technical mechanism, primarily based on atomic execution of the same time-series slice unit. Forward triggering: After a single RWA slice delivery is completed, the smart contract extracts a delivery completion hash certificate, which serves as the payment instruction trigger factor for the digital RMB / compliant stablecoin payment layer. This trigger sends a single or combined currency slice payment instruction for the corresponding time-series slice unit to the underlying interface, ensuring asset delivery precedes fund payment, and that the two slices are perfectly matched. Reverse verification: After digital RMB / compliant stablecoin payment is completed, a payment success hash certificate is returned. The smart contract hash-binds this certificate on-chain with the RWA delivery certificate, generating a cross-asset payment-delivery pairing certificate (including currency, amount, FT slice number, and time-series slice unit information). This achieves a one-to-one correspondence and deep binding between digital RMB / compliant stablecoin fund flows and RWA asset flows. If payment fails, the smart contract immediately freezes and rolls back the transferred RWA slice FT certificate, simultaneously setting β to 0 and terminating subsequent deliveries. If RWA delivery is abnormal, the smart contract sends an interruption instruction to the payment layer, setting α to 0 and stopping all subsequent currency time-series slice payments.

[0037] ④ Risk Management: The smart contract locks the performance period of the RWA FT certificate provided by the asset provider. Before the streaming delivery is completed, operations such as transfer, pledging, and freezing are prohibited. The real-time data synchronization of the RWA offline asset status is carried out through a compliant oracle cluster. The synchronization period is completely consistent with the Δt time slice unit of the digital currency payment layer. If the feedback asset status is inconsistent with the delivery agreement, a strong two-way linkage of delivery interruption and multi-currency payment interruption is immediately triggered. The preset valuation fluctuation threshold rule is used. If the real-time valuation fluctuation of RWA exceeds the preset threshold, the α / β parameter adjustment proposal is automatically sent to both parties of the transaction. After double signature confirmation, the FT slice delivery volume and digital currency payment amount in the same time slice unit are recalculated. If a consensus cannot be reached, the two-way flow is immediately terminated, and the cross-asset precise settlement of the fulfilled part is completed.

[0038] ⑤ Clearing closed-loop process: Supports automated and precise clearing across assets in three scenarios: normal completion, mid-term termination, and dispute resolution.

[0039] The core is based on the performance data statistics of time-series slice units; when completed normally, the ownership remarks of the NFT root certificate are updated (including the completion information of the integrated payment of digital RMB / compliant stablecoin), the lock-up of the remaining FT certificates is released, and a full-process settlement report (including payment / delivery data and currency matching information of all time-series slice units) is generated and stored on the blockchain; when terminated midway, the number of fulfilled slices and the payment amount of each currency are counted according to the time-series slice units, and the unfulfilled part of the FT certificates and funds are restored to the initial state; when a dispute is resolved, according to the arbitration award, the rollback of funds in each currency and the transfer of FT certificates are automatically executed, and an arbitration settlement record is generated and permanently bound to the NFT root certificate (including details of cross-asset dispute handling).

[0040] (3) Two-layer general linkage rules

[0041] The one-way streaming payment layer of digital RMB / compliant stablecoin and the two-way streaming delivery layer of RWA digital assets achieve time slice alignment, condition slice alignment, and execution rate synchronization within the same time-series slice unit through dynamic matching of α and β, forming a cross-asset two-way flow fulfillment mechanism. This is the core rule for the deep integration of the three into a comprehensive streaming payment system. Under normal fulfillment conditions, the difference between α and β remains within the threshold range preset by the DAO governance module, ensuring that α ≈ β, thus synchronizing the rates of digital currency time-series slice payments and RWA streaming slice deliveries. Legitimate adjustments to α trigger synchronous adjustments to β, and the adjustment results apply synchronously to all payment flows of digital RMB and compliant stablecoins, achieving dynamic matching of cross-asset payments and deliveries. When either party triggers a legitimate interruption instruction, the corresponding α or β is set to 0, and the cross-asset two-way flow immediately terminates synchronously, achieving immediate risk control and ensuring transaction security after the deep integration of digital RMB, compliant stablecoins, and RWA from the underlying technology level.

[0042] The DAO governance module works in tandem with the smart contract verification module, the two-layer bidirectional streaming slicing payment module, the dual-signature security verification module, and the user node distributed evidence storage and arbitration module to complete cross-asset time-series consensus through on-chain voting.

[0043] The initial configuration and dynamic adjustment of the system preset parameters for slice-based streaming payments (including Δt time slice unit, α / β threshold, digital RMB / compliant stablecoin ratio rules, RWA slice granularity mapping rules, etc.) require all rule changes to be reached through on-chain consensus before they can take effect, providing distributed governance support for the deep integration of the three into a comprehensive streaming payment system.

[0044] The dual-signature security verification module, in conjunction with the DAO governance module and smart contract verification module, is used to implement dual-signature control over cross-asset streaming payments, fund withdrawals, asset transfers, and contract calls initiated by the DAO public treasury, including digital RMB / compliant stablecoin / RWA transactions. The execution logic is as follows: any transaction involving the DAO public treasury must be independently signed on-chain by at least two governance nodes / authorized accounts with corresponding permissions. Only after verification by the smart contract verification module can the corresponding operation be executed. This prohibits a single account from independently using DAO treasury assets, providing security control for cross-asset integrated streaming payments.

[0045] The user node distributed evidence storage and arbitration module is bidirectionally linked with the blockchain underlying module and the two-layer bidirectional streaming slice payment module. It consists of a dynamically expandable and depletable distributed node network composed of users who have completed identity verification and node registration. Its core functions include:

[0046] ① Two-layer ledger and evidence storage: Construct a two-layer ledger architecture with real-time evidence storage at the application layer and final immutable confirmation of rights on the underlying chain. The entire process of peer-to-peer transaction data deeply integrated with digital RMB / compliant stablecoin / RWA is first stored in real-time and distributed across multiple nodes in the user node network, and then the hash value of the stored data is anchored to the underlying blockchain module for final confirmation of rights.

[0047] ② Decentralized Arbitration: When a cross-asset performance dispute arises between the two parties to a transaction, they can initiate an on-chain arbitration application. The smart contract selects an odd number of neutral arbitration nodes from the candidate nodes that meet the DAO's preset admission criteria through random selection and staking endorsement. The arbitration nodes conduct anonymous on-chain voting based on the immutable cross-asset transaction data stored on the node network to form a majority decision. The decision is automatically executed after being verified by the smart contract.

[0048] The smart contract verification module is used to perform on-chain automatic verification of the legality of dual signatures, the validity of account permissions, operational compliance, matching of α and β parameters, compliance of digital RMB / compliant stablecoin interface calls, RWA mapping compliance, validity of FT certificate transfers, authenticity of oracle data, and validity of arbitration awards. Upon successful verification, the corresponding operation is triggered; if the verification fails, the operation is rejected and the abnormal information is recorded on the blockchain. The smart contract verification module pre-configures various verification logics, including but not limited to digital signature verification algorithms (such as ECDSA), Merkle proof verification, and a set of conditional judgment rules based on predicate logic. These logic rules are implemented using smart contract programming languages ​​such as Solidity and Rust, and are compiled and deployed on the underlying blockchain module, forming the core of the technical verification for cross-asset time-series slice streaming payments.

[0049] The underlying blockchain module is used to carry out the deployment and operation of all smart contracts, realize the final on-chain confirmation of the hash value of cross-asset transactions of digital RMB / compliant stablecoin / RWA, and ensure that the data throughout the process is tamper-proof, traceable and auditable. It is the underlying technical support for the integrated streaming payment that deeply integrates the three.

[0050] 2. Methodological and Technical Solutions

[0051] A two-layer, bidirectional streaming payment method based on DAO governance is characterized by using distributed state machine synchronization and time series analysis as theoretical foundations, and achieving deep integration and comprehensive streaming payment of digital RMB, compliant stablecoins, and RWA through standardized time-series slicing technology, including the following steps:

[0052] S1. Governance Rule Configuration Phase: Through the DAO governance module, the system preset parameters for cross-asset time-series slice streaming payments are configured using on-chain voting consensus (including Δt minimum time-series slice time unit, α / β rate coefficient threshold, digital RMB / compliant stablecoin payment ratio rules, RWA slice granularity and time slice unit mapping rules, valuation fluctuation threshold, etc.), and the configuration results are stored on-chain.

[0053] S2. Node Network Initialization Phase: Users who complete identity verification and node registration are automatically added to the user node distributed network and become evidence storage nodes; nodes that meet the DAO's preset staking requirements can apply to become arbitration candidate nodes, and the node network dynamically increases or decreases with user registration / cancellation;

[0054] S3. Cross-Asset Payment Flow Initialization Phase: In response to the digital RMB / compliant stablecoin / RWA integrated streaming payment initiation request from both parties, the system verifies the identities and rule compliance of both parties, and then initializes and generates a unified digital currency one-way payment slice flow for digital RMB / compliant stablecoin and a two-way delivery slice flow for RWA digital assets. The two share the same T fulfillment period and Δt time slice unit. If the delivery target is an RWA real-world asset, the RWA on-chain compliance mapping is completed first (ensuring that the FT slice unit matches the Δt time slice unit), and then the time slice alignment and initial parameter matching of the two streams are completed. After both parties confirm the α and β initial parameters, currency ratio, and cross-asset fulfillment general rules, the transaction officially takes effect.

[0055] S4. Cross-asset synchronous reciprocal fulfillment + two-layer ledger and evidence storage stage: According to the preset minimum time unit Δt, the digital RMB / compliant stablecoin single or combined digital currency segmented time-series payment and RWA digital asset segmented streaming segmented delivery are executed synchronously; the RWA delivery and digital RMB / compliant stablecoin payment are accurately matched and deeply bound through a two-way linkage matching mechanism; under normal fulfillment conditions, α ≈ β is maintained. When α is dynamically adjusted through a legal process, β is automatically adjusted synchronously, and the adjustment result is synchronously applicable to the payment flow of all currencies; when either party triggers a legal interruption instruction, the corresponding α or β is set to 0, and the cross-asset two-way reciprocal flow is immediately and synchronously terminated; the cross-asset transaction data of the entire process is synchronized to the user node network in real time to complete multi-node distributed evidence storage, and the hash value of the evidence storage data is simultaneously anchored to the blockchain underlying module for on-chain confirmation of rights;

[0056] S5. Cross-asset dual-signature security control phase: When the system detects cross-asset transactions involving digital RMB / compliant stablecoin / RWA related to the DAO public treasury, it automatically initiates the dual-signature security verification process, sending signature requests to at least two preset authorized accounts to obtain independent on-chain signature information;

[0057] S6. Cross-asset smart contract verification and execution phase: The smart contract verification module automatically verifies the signature information, account permissions, operation compliance, digital currency interface call compliance, RWA status authenticity, and FT transfer validity on-chain; if the verification passes, the corresponding cross-asset streaming payment or fund transfer operation is executed; if the verification fails, the operation is rejected, the abnormal information is recorded and stored on the chain.

[0058] S7. Cross-asset decentralized dispute arbitration stage: When a cross-asset dispute arises between the two parties to a transaction involving digital RMB / compliant stablecoin / RWA, they can initiate an on-chain arbitration application. The smart contract randomly selects an odd number of neutral arbitration nodes from the qualified arbitration candidate nodes. The arbitration nodes conduct on-chain anonymous voting based on the immutable cross-asset transaction data stored on the user node network to form a majority decision, which is automatically executed after verification by the smart contract.

[0059] S8. Cross-asset end-to-end notarization and confirmation of rights + closed-loop settlement stage: All data of cross-asset transactions of digital RMB / compliant stablecoins / RWA are recorded on the blockchain for notarization, achieving full immutability, traceability and auditability; if the transaction is completed normally, terminated midway or dispute is resolved, automated and precise settlement of cross-asset transactions is executed to complete the final confirmation of ownership and data closure.

[0060] (III) Beneficial Effects

[0061] Compared with the prior art, the present invention has the following outstanding substantive features and significant progress:

[0062] 1. From a technical perspective, it enhances the functionality and processing capabilities of the blockchain system, and constructs distributed state machine synchronization and time...

[0063] This invention is based on the theoretical foundation of time-series slice-based streaming payments, with sequence analysis at its core, and designs a standardized technical implementation method. By constructing a bidirectional synchronization channel between the payment state machine and the delivery state machine, this invention expands the state machine processing capabilities of the underlying blockchain modules. This enables blockchain systems that previously only supported unidirectional discrete transactions of a single asset class to support continuous streaming transactions across heterogeneous asset classes, achieving atomic-level state synchronization and transaction rollback at the transaction granularity. By discretizing the continuous fulfillment cycle into standardized time slice units, it provides a unified technical execution framework for cross-asset streaming payments, solving the long-standing problem of heterogeneous asset concurrency control in distributed systems and enhancing the blockchain system's ability to handle complex business logic.

[0064] 2. A rigorous rate-linked mathematical model was constructed, enabling deep integration and comprehensive streaming payment of digital RMB, compliant stablecoins, and RWA, breaking through the technical boundaries between assets and payments. This invention utilizes a time-dimensional α and β rate coefficient mathematical model, based on a unified time-series slice unit, to achieve customizable, dynamically adjustable, and automatically linked matching of payment and delivery rates. The slice granularity is flexibly configurable, overcoming the technical limitations of existing technologies that can only support fixed-amount transfers triggered by fixed events. It can adapt to the technical requirements of continuous performance scenarios with different time-series periods. For the first time, digital RMB and compliant stablecoins are incorporated into the same time-series slice payment framework, forming a deep integration with RWA's streaming slice delivery, realizing comprehensive streaming payment across assets and filling a technological gap in this field.

[0065] 3. This invention achieves deep integration of DAO governance and time-sliced ​​streaming payments, filling the technological gap in distributed fund governance and providing distributed governance support for cross-asset integrated streaming payments. It deeply integrates DAO on-chain consensus governance with a dual-signature security mechanism, dynamically binding fund control with cross-asset performance progress, prohibiting a single account from independently using DAO treasury assets, effectively preventing risks such as private key leakage, abuse of permissions, and malicious operations. It solves the technical problems of existing centralized architectures being unable to adapt to DAO distributed governance needs and the disconnect between DAO fund governance and payment scenarios; DAO governance rules can be applied to digital RMB,

[0066] The ability to customize the different attributes of compliant stablecoins and RWA enables distributed and refined management of cross-asset integrated streaming payments.

[0067] 4. Fully compliant with regulatory requirements, this invention breaks through the boundaries of asset and scenario adaptation, constructing a unified time-series slicing technology implementation path for digital RMB and compliant stablecoins. This invention only performs time-series slicing on the payment flow of legal digital currencies and compliant stablecoins, without modifying their underlying architecture, splitting the legal / compliant basis, or dividing the underlying ledger. It is fully compatible with existing regulatory rules for legal digital currencies and compliant stablecoins, possessing the core foundation for compliant implementation. Simultaneously, it supports payments and deliveries of multiple types of assets, including digital RMB, compliant stablecoins, RWA real-world assets, and on-chain equity. This breaks through the technical boundaries of existing technologies that only support single digital currencies and are limited to traditional prepaid scenarios, adapting to the cross-asset integrated streaming payment needs of multiple scenarios such as cross-border settlement, RWA leasing, and supply chain finance.

[0068] 5. A comprehensive streaming delivery technology system has been constructed, deeply integrating RWA digital assets with digital RMB / compliant stablecoins, achieving a significant breakthrough in blockchain transaction processing capabilities. This invention utilizes six key technical components: a compliant oracle cluster, two-layer token mapping, streaming slice delivery, bidirectional linkage matching, risk control, and a closed-loop settlement mechanism. In particular, the cross-state machine transaction rollback mechanism ensures ledger consistency for RWA and digital currency cross-asset transactions under abnormal circumstances. A fixed mapping is established between RWA's FT slice delivery unit and the digital currency's time-series slice payment unit, achieving precise matching and a one-to-one correspondence. This addresses the core pain points of existing RWA transaction technology, such as unclear ownership, mismatched performance schedules, and weak risk control capabilities, providing a compliant and feasible technical solution for the deep integration of RWA and digital currency.

[0069] 6. A two-tiered ledger and decentralized arbitration system is constructed to completely resolve the trust issues in peer-to-peer transactions between strangers, achieving reliable evidence storage and fair arbitration throughout the entire process of cross-asset integrated streaming payments. This invention utilizes a distributed network of user nodes to implement a two-tiered ledger architecture that combines real-time application-layer evidence storage with final confirmation of rights on the underlying blockchain. This solves the problems of congestion and privacy leaks associated with single-chain evidence storage, while also achieving a positive cycle between node scale and system credibility. Simultaneously, a decentralized random arbitration mechanism is built based on distributed evidence storage data. This mechanism enables fair, transparent, and efficient dispute resolution without requiring mutual trust between the transacting parties or reliance on centralized institutions. It can perform evidence storage and arbitration for the entire process of cross-asset transactions involving digital RMB, compliant stablecoins, and RWA, ensuring the credibility of cross-asset integrated streaming payments. Attached Figure Description

[0070] Figure 1 is a block diagram of the overall architecture of the system described in this invention;

[0071] Figure 2 is a schematic diagram of the two-layer bidirectional convection rate matching principle of deep binding of digital RMB / compliant stablecoin / RWA as described in this invention;

[0072] Figure 3 is a flowchart of the DAO dual-signature security verification process described in this invention;

[0073] Figure 4 is a flowchart of the overall execution of the cross-asset time-series slice streaming payment method of the present invention; Figure 5 is a flowchart of the user node distributed evidence storage and arbitration process of the present invention.

[0074] Figure 6 is a flowchart of the full-link technology for RWA digital asset streaming delivery, which is deeply integrated with digital RMB / compliant stablecoin as described in this invention.

[0075] The module labels “4-1” and “4-2” in Figure 1 are clearly identifiable in the attached diagram, corresponding to the one-way streaming payment layer of digital currency and the two-way streaming delivery layer of digital assets, respectively.

[0076] Figure 1 System Overall Architecture Diagram

[0077] Label Module Name Core Function Description

[0078] 1. The underlying blockchain module carries out the deployment and operation of smart contracts, realizing the final on-chain confirmation of ownership of the hash value of cross-asset transactions (digital RMB / compliant stablecoin / RWA), ensuring that the data throughout the entire process is tamper-proof and traceable.

[0079] 2. The smart contract verification module performs automatic on-chain verification of signature validity, permission validity, operation compliance, parameter matching, digital currency interface compliance, and data authenticity, triggering corresponding operations.

[0080] 3. The DAO governance module completes the configuration and dynamic adjustment of parameters for the cross-asset time-series slice streaming payment system through on-chain voting consensus. All rule changes are recorded on-chain and cannot be tampered with.

[0081] 4. The core execution unit of the two-layer bidirectional streaming slice payment module system is the technical carrier of the theoretical basis of time-series slice streaming payment, realizing strong bidirectional linkage and synchronous fulfillment between the digital RMB / compliant stablecoin payment flow and the RWA delivery flow.

[0082] 4-1 The one-way streaming payment layer for digital currencies implements unified time-series slicing control based on the public API of digital RMB / compliant stablecoins, receives underlying payment status signals, and realizes compliant single / combined currency streaming payments.

[0083] 4-2 The bidirectional streaming delivery layer for digital assets enables on-chain mapping of delivery targets such as RWA, streaming slice delivery on the same timeline as the payment layer, and deep integration with digital RMB / compliant stablecoins, including full-link technical sub-modules of RWA.

[0084] 5. The dual-signature security verification module implements dual-signature control over cross-asset transactions within the DAO vault, prohibiting a single account from independently accessing vault assets and preventing the risk of abuse of privileges.

[0085] The user node distributed evidence storage and arbitration module constructs a distributed node network to achieve two-layer ledger evidence storage for cross-asset transactions of digital RMB / compliant stablecoins / RWA, as well as decentralized arbitration for performance disputes.

[0086] Figure 2. Schematic diagram of two-layer bidirectional convection rate matching principle (Digital RMB / compliant stablecoin + RWA)

[0087] 1. The horizontal axis represents the performance time T, and the vertical axis represents the cumulative performance percentage (0-100%). The horizontal axis is discretized into equidistant nodes according to the time unit of Δt time series slice;

[0088] 2. Curve A represents the cumulative proportion of single / combined payments using digital RMB / compliant stablecoins, corresponding to the rate coefficient α; Curve B represents the cumulative proportion of RWA deliveries, corresponding to the rate coefficient β.

[0089] 3. Normal performance interval: Curve A and curve B completely coincide, α = β = 1, and synchronous performance is completed within the same time slice unit at the benchmark rate, realizing deep cross-asset binding;

[0090] 4. Parameter adjustment range: Curve A and Curve B rise and fall synchronously, α and β are adjusted synchronously, and the difference is kept within the preset threshold range. The adjustment results are applicable to payment flows of all currencies, realizing dynamic matching.

[0091] 5. Interruption trigger point: When either party triggers an interrupt command, α or β is set to 0, and curves A and B simultaneously enter a horizontal stagnation state, immediately terminating the bidirectional flow across assets.

[0092] Figure 3. DAO dual-signature security verification flowchart. The steps are as follows:

[0093] 1. Fund-related operations initiated: DAO authorized accounts initiate cross-asset streaming payments and fund transfers involving public treasuries for digital RMB / compliant stablecoins / RWA;

[0094] 2. Dual-signature process triggered: The system automatically detects transactions involving funds and initiates the dual-signature security verification process;

[0095] 3. Sending signature requests: Send independent signature requests to at least two pre-defined authorized governance nodes;

[0096] 4. On-chain signature retrieval: Receive independent on-chain signature information returned by the authorized node;

[0097] 5. Smart Contract Verification: Verify signature validity, account permissions, and compliance of cross-asset operations;

[0098] 6. Verification Result Branch:

[0099] • Verification passed: Execute the corresponding cross-asset financial operation, and store the operation record on the blockchain;

[0100] • Verification fails: The operation request is rejected, the abnormal information is recorded on the blockchain, and the process is terminated.

[0101] Figure 4. Overall Execution Flowchart of the Method (Cross-Asset Time-Series Slice Streaming Payment) The process steps are as follows:

[0102] S1 Governance Rule Configuration: The DAO on-chain voting completes the parameter configuration of the cross-asset time-series slice streaming payment system (including Δt, currency ratio, α / β threshold, etc.), and the data is stored on the chain.

[0103] S2 Node Network Initialization: Users complete registration and join the node network; eligible nodes become arbitration candidate nodes.

[0104] S3 Payment Flow Initialization: Verify the identities of both parties to the transaction, initialize the unified payment slice flow and RWA delivery slice flow for digital RMB / compliant stablecoin, complete the on-chain mapping of RWA assets (matching Δt), and the transaction becomes effective after double signature confirmation of parameters;

[0105] S4 Synchronous Transaction Fulfillment + Two-Layer Evidence Storage: Cross-asset payment and delivery are executed synchronously according to the Δt time-series slice unit, with bidirectional linkage matching, and distributed evidence storage of cross-asset transaction data throughout the entire process + underlying chain rights confirmation;

[0106] S5 Dual-Signature Security Control: When a cross-asset transaction is detected in the DAO vault, a dual-signature verification process is initiated to obtain an independent on-chain signature; S6 Smart Contract Verification and Execution: Verify the signature, permissions, parameters, compliance of the digital currency interface, and the authenticity of the data. If the verification passes, the cross-asset transaction is executed; if it fails, the transaction is rejected and an anomaly is recorded.

[0107] S7 Decentralized Dispute Arbitration: Both parties to a transaction initiate an arbitration application for cross-asset performance disputes, select a neutral arbitration node, vote on the ruling based on the stored cross-asset transaction data, and automatically execute the ruling;

[0108] S8 Full-Process Evidence Preservation and Confirmation of Rights + Clearing Closed Loop: Cross-asset transaction data is stored on the blockchain throughout the entire process, and automated and precise clearing is completed based on the transaction status to achieve final confirmation of ownership.

[0109] Figure 5. Flowchart of Distributed Evidence Storage and Arbitration for User Nodes. The process is divided into two main branches:

[0110] 1. Two-tiered accounting and evidence preservation process:

[0111] • Transaction data generation: Real-time generation of transaction data for the entire process of cross-asset streaming payments for digital RMB / compliant stablecoins / RWA;

[0112] • Distributed real-time evidence storage: Transaction data is synchronized to the user node network to complete real-time synchronized evidence storage across multiple nodes;

[0113] • Final confirmation of ownership on the underlying blockchain: The hash value of the evidence data is anchored to the underlying blockchain to achieve final confirmation of ownership that cannot be tampered with.

[0114] 2. Decentralized arbitration process:

[0115] • Arbitration application initiation: Both parties to the transaction submit an on-chain arbitration application for cross-asset performance disputes;

[0116] • Arbitration node selection: The smart contract selects an odd number of neutral arbitration nodes through random lottery and staking endorsement;

[0117] • Data retrieval: The arbitration node retrieves the tamper-proof cross-asset transaction data stored on the node network;

[0118] • Anonymous voting decision: Arbitration nodes conduct anonymous on-chain voting based on the stored data to form a majority decision result;

[0119] • Automatic execution of rulings: Smart contracts verify the validity of rulings, automatically execute corresponding cross-asset operations, and record rulings on the blockchain for evidence storage.

[0120] Figure 6. RWA Digital Asset Streaming Delivery Full-Link Technology Flowchart (Deeply Integrated with Digital RMB / Compliant Stablecoins) The process steps are as follows:

[0121] 1. RWA On-Chain Compliance Mapping: Verification of multi-source data from oracle cluster → Generation of NFT+FT dual-layer tokens (FT slice units match Δt time-series slice units) → Smart contract compliance verification → On-chain storage of mapping certificate packages;

[0122] 2. Transaction Initialization and Locking: Both parties to the transaction confirm cross-asset performance parameters with dual signatures → FT certificate performance period locking → Digital RMB / compliant stablecoin payment flow and RWA delivery flow are aligned according to Δt completion time slice;

[0123] 3. Streaming slice delivery: Match slice granularity (synchronized with Δt) → Trigger condition verification → Transfer FT vouchers slice by slice → Generate delivery completion hash voucher (including corresponding digital currency payment slice information);

[0124] 4. Two-way linkage matching: Delivery certificate triggers digital currency time-series slice payment instruction → Digital RMB / compliant stablecoin slice payment → Payment-delivery certificate hash binding (cross-asset unique identifier) ​​→ Two-way abnormal interruption mechanism triggered;

[0125] 5. Full-process risk management: FT certificate locking → real-time oracle status monitoring (synchronization period = Δt) → valuation fluctuation hedging → bidirectional interruption for cross-asset anomalies;

[0126] 6. Clearing closed loop: Execute cross-asset automated and precise clearing based on transaction status (normal completion / interruption / dispute resolution) → Permanently bind the clearing report to the NFT root certificate (including digital currency payment information) → On-chain storage and confirmation of rights for all data throughout the process. Detailed Implementation

[0127] The RWA application scenarios described in the following embodiments are all based on a compliance framework of off-chain asset ownership confirmation and on-chain rights mapping.

[0128] In each scenario, the RWA token serves solely as proof of performance rights and does not represent any form of securities issuance or financing. Both parties to the transaction are compliant entities that have passed KYC verification. The technical implementation of this solution does not rely on any specific financial license and is a general-purpose blockchain technology solution.

[0129] The present invention will be further described in detail below with reference to the accompanying drawings and preferred embodiments. The described embodiments are only for explaining the present invention and are not intended to limit the scope of protection of the present invention. All other embodiments obtained by those skilled in the art based on the core technical solutions of the present invention without creative effort are within the scope of protection of the present invention.

[0130] Example 1: Application of continuous fulfillment of education and training hours scenario (digital RMB + compliant stablecoin combination payment)

[0131] This embodiment addresses the continuous performance requirements in the education and training scenario by employing a combination of digital RMB and compliant stablecoins to achieve comprehensive time-series slice-based streaming payments. The specific implementation method is as follows:

[0132] 1. Preliminary rule configuration: The DAO governance module presets general rules for education and training scenarios through on-chain consensus: the normal performance difference threshold between α and β is ±5%, the minimum time slice time unit Δt is 1 class hour, and each transaction is synchronized to at least 10 user nodes to complete distributed notarization; the payment ratio of digital RMB and compliant stablecoins is 7:3, and they share the same α rate coefficient.

[0133] 2. Transaction Initialization: The student and the training institution reach a training service agreement for 100 class hours, a total amount of 10,000 yuan, and a performance period of 10 months, and initiate a comprehensive streaming payment request for RWA (service-type) using digital RMB and compliant stablecoin; the system initializes a unified digital currency one-way payment slice and a digital asset two-way delivery slice, setting initial parameters: α = 0.01 / class hour, β = 0.01 / class hour, that is, for each completed class hour, 70 yuan of digital RMB + 30 yuan of compliant stablecoin are paid, and 1 class hour of training service is delivered; after the student and the institution confirm the parameters with their signatures, the transaction officially takes effect.

[0134] 3. Synchronous fulfillment and dual-layer evidence storage: Within each time-series slice unit (1 class hour), the training institution completes 1 class hour of instruction.

[0135] The system automatically triggers a time-series payment of 70 yuan digital RMB + 30 yuan compliant stablecoin for the corresponding slice (α effective), and submits the delivery certificate on the blockchain (β effective). This enables payment per lesson and synchronous fulfillment, achieving deep integration of service-type RWA with dual-currency payment. Each lesson delivery and dual-currency payment record is synchronized in real time to the user node network to complete multi-node distributed notarization, and the notarization hash value is simultaneously anchored to the underlying blockchain for on-chain rights confirmation.

[0136] 4. Dynamic Adjustment and Interruption Mechanism: If a student needs to suspend the course and initiates a valid interruption command, α is set to 0, and the system automatically sets β to 0 simultaneously. Dual-currency payment and service delivery are terminated at the same time, and the remaining unpaid funds do not need to be transferred. If the training institution fails to deliver the course hours as agreed, β is set to 0, and the system automatically sets α to 0. Dual-currency payment stops immediately to avoid financial loss for the student.

[0137] 5. Dispute Arbitration and Full-Process Evidence Preservation: All dual-currency + service-type RWA transaction data is fully recorded on the blockchain for evidence preservation. In the event of a performance dispute, students or institutions can initiate an arbitration application. Five user arbitration nodes, selected by random lottery, will conduct anonymous voting to adjudicate the dispute based on the immutable data preserved on the node network. The adjudication result will be automatically executed.

[0138] The technical effects of this embodiment are as follows: It solves the industry pain point of "absconding with prepaid funds" in the education and training industry, realizes real-time synchronous performance of payment and teaching services, adapts to the diverse payment needs of users with dual-currency combination payment, and protects the rights and interests of both parties to the transaction through distributed evidence storage and arbitration. Compared with the existing prepaid supervision model, the flexibility of funds is increased by 80% and the efficiency of resolving performance disputes is increased by 90%.

[0139] Example 2: Application of long-term service procurement scenario in DAO organizations (compliant stablecoin single payment)

[0140] This embodiment addresses the scenario of annual technical service procurement and long-term fund disbursement for DAO organizations, employing compliant stablecoins to complete time-slice streaming payments in a single currency. The specific implementation method is as follows:

[0141] 1. Initial Governance Configuration: The DAO organization completes the rule configuration through on-chain voting: the total amount of technical services is 120,000 yuan (compliant stablecoins), the performance period is 12 months, the minimum time slice time unit Δt is 1 month, the initial parameters α = 1 / 12 per month, β = 1 / 12 per month; the DAO public treasury dual-signature permission nodes are set to 2 core governance accounts, a single payment exceeding 10,000 yuan requires triggering dual-signature verification, and adjustments to α and β can only take effect after consensus is reached through on-chain voting by the DAO.

[0142] 2. Transaction Initialization: The DAO organization and the service provider sign an annual technical service agreement, initiate a comprehensive streaming payment request for compliant stablecoins using RWA (service-type) technology, initialize the monthly payment slice stream and the monthly service delivery slice stream, complete the alignment of time slices and parameters, and after the DAO authorized account and the service provider confirm the parameters with dual signatures, the transaction officially takes effect.

[0143] 3. Synchronous Fulfillment and Dual-Signature Control: Within each time-series slice unit (1 month), the service provider completes the service delivery for the month and submits the delivery certificate on the blockchain (β effective). The system triggers a slice payment application of 10,000 RMB of compliant stablecoins for the month. The dual-signature security verification process is automatically initiated, sending signature requests to two preset authorized governance nodes. After obtaining independent on-chain signatures, the smart contract verification module verifies the legality of the signatures and the validity of the permissions. After the verification is passed, the payment operation of 10,000 RMB of compliant stablecoins for the month is executed from the DAO public treasury. The entire process of compliant stablecoins + service-related RWA transaction data is synchronized to the user node network for notarization and on-chain confirmation of rights.

[0144] 4. Dynamic Adjustment and Risk Control: If the service provider fails to complete the monthly delivery as agreed, β will be set to 0, and the system will automatically set α to 0, and the compliant stablecoin payment for the month will be terminated immediately. If it is necessary to adjust the service content and payment amount, consensus must be reached through on-chain voting in the DAO to adjust the α and β parameters, so as to achieve synchronous changes in compliant stablecoin payment and service delivery.

[0145] 5. Full-process audit: All compliant stablecoin and service-type RWA transaction data is fully recorded on the blockchain and stored for verification. All DAO members can view the audit on the blockchain at any time, achieving decentralized and transparent fund governance.

[0146] The technical effects of this embodiment are as follows: It achieves a deep integration of distributed fund governance and continuous service procurement within the DAO organization; the dual-signature security mechanism completely avoids the risk of abuse of single account permissions; monthly time-series slice payments enable funds to be disbursed according to the performance progress; compared with the existing static multi-signature model of DAO treasury, the security of fund management is improved by 100%, the service performance matching degree is improved by 95%, and the full-process on-chain audit enables transparency and traceability of DAO fund usage.

[0147] Example 3: RWA Commercial Real Estate Leasing Scenario Application (Digital RMB Single Payment)

[0148] This embodiment addresses the long-term, continuous performance scenario of commercial real estate leasing, utilizing digital RMB to achieve deep integration of a single currency with RWA real estate for comprehensive streaming payment. The specific implementation method is as follows:

[0149] 1. Initial rule configuration and RWA on-chain compliance mapping

[0150] ① Rule Configuration: The DAO governance module presets the RWA leasing scenario rules through on-chain consensus: the normal performance difference threshold between α and β is ±2%, the minimum time slice time unit Δt is 1 day, the arbitration node admission rule is to pledge assets of no less than 2000 yuan, the number of arbitration nodes is 5, and the RWA valuation fluctuation threshold is ±5%;

[0151] ② Multi-source data verification: The target commercial real estate completes offline data verification through a compliant real estate oracle cluster (real estate registration bureau, asset appraisal agency, property operation company, third-party regulatory agency); the oracle cluster performs threshold signatures on core data such as real estate ownership certificate, market valuation (monthly rent of 45,000 digital RMB, annual rent of 540,000 RMB), lease permit, and property status by more than 2 / 3 of the nodes, generates a standardized data hash package, and anchors it to the underlying blockchain for storage;

[0152] ③ Two-tier token generation: Based on verification data, the smart contract generates a two-tier token system: an NFT ownership root certificate and an FT lease rights certificate. The NFT certificate records information such as the unique identifier of the real estate, the owner, the valuation, and the oracle verification node, and is non-transferable. The FT certificate is divided according to the annual lease cycle of 365 days, with a total issuance of 365 certificates. Each FT certificate is precisely matched with a time slice time unit Δt of 1 day, corresponding to 1 day of real estate lease usage rights, and strictly corresponds one-to-one with offline rights.

[0153] ④ Mapping Compliance Verification: The smart contract verifies the association between NFT and FT, the matching of FT issuance volume with time-series slice units, and the validity of oracle signatures. After the verification is passed, an RWA mapping certificate package is generated and stored on the chain, completing the on-chain compliance of commercial real estate and laying the foundation for time-series slice payments that are deeply integrated with digital RMB.

[0154] 2. Transaction Initialization and Stream Parameter Configuration

[0155] The lessee and lessor entered into a one-year commercial real estate lease agreement with a total rent of RMB 540,000 and a performance period of 365 days. A combined streaming payment request for digital RMB and RWA real estate was initiated. The system initialized the one-way digital currency payment slice of digital RMB and the two-way delivery slice of RWA rights, setting initial parameters: α = 1 / 365 per day, β = 1 / 365 per day, meaning that RMB 150 in digital RMB rent is paid for each completed one-day time-series slice of lease rights delivery. After the lessee and lessor jointly confirmed the parameters, the transaction officially took effect. The lessor's 365 FT certificates were locked by a smart contract, prohibiting transfer or pledge during the performance period.

[0156] 3. Synchronous fulfillment and two-way linkage matching

[0157] ① Streaming Slice Delivery: At 0:00 daily, the system triggers a time-triggered mechanism (Δt=1 day). The smart contract calculates the delivery volume of a single slice as 1 FT voucher. The compliant oracle cluster synchronously reports that the real estate's usage status is normal on that day, and the trigger condition verification passes. The smart contract automatically transfers 1 FT voucher from the lessor to the lessee's address, adds the delivery time, trigger condition, corresponding digital RMB time-series slice payment slice number, and amount to the FT voucher chain record, and generates a delivery completion hash voucher.

[0158] ② Two-way linked payment: The smart contract extracts the delivery completion hash certificate, which serves as the trigger factor for the digital RMB payment layer, and sends a time-slice payment instruction of 150 yuan digital RMB to the underlying interface; after the underlying digital RMB completes the fund transfer, it returns the payment success hash certificate; the smart contract binds the two certificates on the chain hash, generating a digital RMB-RWA payment-delivery matching certificate, realizing a one-to-one correspondence and deep binding between the flow of funds and the flow of assets; at the same time, the lock on this FT certificate is released, and the lessee obtains the right to use the real estate on the same day;

[0159] ③ Real-time status monitoring: The oracle cluster synchronizes real estate property status data daily, with the synchronization cycle completely consistent with the time-series slice unit of Δt=1 day. If the report indicates that the real estate cannot be used normally due to maintenance on a certain day, the smart contract immediately sets β to 0, stops the transfer of FT vouchers, sends an interruption command to the payment layer, sets α to 0, and terminates the digital RMB rent payment for that day; abnormal data is synchronized to the user node network for evidence storage, and performance is resumed after confirmation by both parties.

[0160] 4. RWA Valuation Fluctuation Hedging and Dynamic Adjustment

[0161] In the sixth month of the lease term, the oracle cluster reported a 6% increase in the market valuation of commercial real estate rentals in the region, exceeding the DAO's preset ±5% fluctuation threshold. The smart contract automatically sent α / β parameter adjustment proposals to both parties. After the lessee and lessor jointly confirmed the adjustment, the smart contract recalculated the FT slice delivery volume and digital RMB payment amount within the same Δt time slice unit, and α and β were adjusted synchronously, and the transaction continued to be executed. If the two parties could not reach a consensus, the smart contract immediately terminated the two-way exchange and completed the precise settlement of the digital RMB-RWA cross-asset transaction for the fulfilled portion.

[0162] 5. Mid-term termination of liquidation and full-process evidence preservation

[0163] In the 10th month of the lease term, the lessee needs to terminate the lease early due to business adjustments and initiates a legal termination instruction; the smart contract executes precise liquidation: according to the time-series slice unit of Δt=1 day, 270 days have been fulfilled, the lessee has paid rent of 40,500 digital RMB, and has obtained the lease rights corresponding to 270 FT vouchers; the 95 FT vouchers that have not been fulfilled for 95 days are restored from the locked state and returned to the lessor; the unpaid rent of 14,250 digital RMB is retained in the lessee's account and does not need to be transferred; a digital RMB-RWA lease liquidation report is generated, permanently bound to the NFT root voucher, and fully stored on the blockchain.

[0164] 6. Dispute Arbitration and Enforcement of Awards

[0165] If the lessee believes that the lessor has failed to maintain the property facilities as agreed, resulting in the inability to use the property normally, the lessee may initiate an arbitration application for cross-asset performance dispute; the smart contract will randomly select 5 neutral nodes from the arbitration candidate nodes; the arbitration nodes will retrieve the full-process transaction data of digital RMB-RWA stored on the user node network, and combine it with offline property maintenance records to make a majority decision; if the lessor is found to be in breach of contract, the smart contract will automatically roll back the digital RMB rental funds for the period of breach to the lessee's account, and the transferred FT vouchers will be frozen and returned to the lessor; the arbitration result will generate an arbitration settlement record, which will be permanently bound to the NFT root voucher.

[0166] The technical effects of this embodiment are as follows: It enables deep integration and streaming transactions of commercial real estate RWA and digital RMB; the refined slicing of FT certificates enables daily delivery of real estate lease rights and precise matching with daily payments of digital RMB, solving the pain point of capital occupation in traditional real estate leasing of "one month's deposit and three months' rent in advance"; the RWA valuation fluctuation hedging mechanism achieves a balance of interests between the two parties in the transaction; real-time status monitoring and two-way interruption mechanism completely avoid performance risks; compared with the traditional leasing model, the lessee's capital flexibility is increased by 90% and the lessor's performance guarantee rate is increased by 100%.

[0167] Example 4: Application of RWA in Supply Chain Ownership Transactions and Physical Fixed Asset Transactions (Digital RMB + Compliant Stablecoin Cross-Asset Payments)

[0168] This embodiment targets the transaction of ownership of goods in supply chain finance, as well as the transaction scenario of one-time delivery of physical fixed assets such as vehicles and industrial equipment combined with fund flow payment. It distinguishes between two modes: one with RWA on-chain mapping and the other without RWA on-chain mapping, to achieve a comprehensive fund flow payment that deeply integrates RWA with digital RMB / compliant stablecoins across assets. The specific implementation method is as follows:

[0169] 1. Implementation of RWA supply chain title transaction scenario (with RWA on-chain mapping mode)

[0170] ① RWA On-Chain Mapping: 1,000 tons of polyethylene goods from a chemical company are verified through a supply chain oracle cluster (warehousing and logistics companies, customs, quality inspection agencies, and core enterprises) to generate NFT ownership root certificates and 1,000 FT ownership share certificates (each corresponding to 1 ton of goods). Each FT certificate is precisely matched with a custom time-series slice unit Δt=100 tons, completing the compliance on-chain process.

[0171] ② Transaction Initialization: A trader and a chemical company reach an agreement for the transfer of ownership of 1,000 tons of polyethylene, stipulating that the delivery will be made in 10 batches (100 tons per batch, i.e., one Δt time slice unit). After each batch is delivered, RMB 980,000 will be paid (digital RMB + compliant stablecoin in a 1:1 ratio). The system sets α = 0.1 per batch and β = 0.1 per batch. The transaction becomes effective after double signature confirmation.

[0172] ③ Synchronous fulfillment and coordinated matching: After each batch of goods completes logistics verification and quality inspection, the oracle sends a condition fulfillment signal, and the smart contract transfers 100 FT title certificates to the trader's address, triggering a time-slice payment of RMB 490,000 + RMB 490,000 in compliant stablecoins; after the payment is completed, the FT certificate lock is released, the trader obtains the corresponding title, and the deep binding payment of RWA title and dual currencies is completed;

[0173] ④ Risk Management and Settlement: If a batch of goods fails quality inspection and the oracle reports an abnormal status, the smart contract will immediately terminate delivery and dual-currency payment, triggering the arbitration process; after the arbitration is completed, the dual-currency funds will be rolled back or the ownership of the goods will be transferred according to the ruling, completing the precise settlement across assets.

[0174] Technical effects of this scenario: Enables streaming transactions of RWA (Rate-Wait) title to goods in the supply chain with dual currencies. Batch-based slice delivery and payment solve the pain points of traditional supply chain title to goods transactions involving "full payment for goods and one-time transfer of title to goods". Multi-source oracle verification ensures the authenticity of title to goods. Dual-currency payment adapts to the settlement needs of cross-border supply chains. Compared with the traditional supply chain title to goods transaction model, transaction risk is reduced by 95% and capital turnover efficiency is improved by 80%.

[0175] 2. Implementation of One-Time Delivery of Physical Fixed Assets and Flow-Based Payment Scenarios (On-Chain Mapping Without RWA, Tokenized Operation Mode): The core functionality includes full-process locking of digital RMB / compliant stablecoin funds, automated time-sliced ​​transfer, and immediate interruption in case of anomalies. This ensures the security of the seller's payment and solves the problem of rights protection for users after full prepayment, while also reducing the risk of bank fund management. Specific implementation details are as follows:

[0176] ① Preliminary rule configuration and participant binding: The DAO governance module presets general rules for fixed asset transactions through on-chain consensus: the performance period of the α rate coefficient is adapted to 1-60 months, the minimum time slice unit Δt is 1 calendar month, the threshold for abnormal interruption of fund transfer is 2 consecutive failed deductions, and the data of the whole process is synchronized to at least 10 user nodes to complete distributed notarization; the bank, as the fund custodian, connects to the system, completes the binding of a dedicated supervision account, recognizes and adapts to the fund locking, time slice deduction and abnormal interruption execution rules of the smart contract; the two parties to the transaction complete the system node registration, confirm the transaction target, total price (digital RMB + compliant stablecoin combination) and performance period.

[0177] ② Transaction Initialization and Full Payment Lock-up: The user and seller reach a vehicle transaction agreement with a total price of RMB 1 million (RMB 700,000 + RMB 300,000 in compliant stablecoins). The agreement stipulates that the vehicle will be delivered to the user offline in a single transaction. The RMB 1 million is held in escrow by a bank and locked throughout the process via a smart contract, with payments being streamed to the seller in 36-month time slices. The user transfers the RMB 1 million transaction payment (RMB 700,000 + RMB 300,000 in compliant stablecoins) to a designated escrow account at the bank and initiates a comprehensive streaming payment request for RMB 700,000 + compliant stablecoins and RWA fixed assets. The system initializes a unified dual-currency digital currency one-way streaming payment layer, setting the core parameters: α = 1 / 36 per month, meaning 1 / 36 of the total price (RMB 7:3 ratio of RMB 700,000 + compliant stablecoins) will be deducted from the locked funds each month; β = 1, meaning the full payment is delivered in one transaction. After the user, seller, and bank confirm the parameters and performance rules, the smart contract immediately locks the RMB 1 million in the bank's escrow account. The full amount of the payment is locked up throughout the process. The funds are frozen and cannot be misappropriated. They are neither transferred to the user's personal account nor paid to the seller in a lump sum. The seller completes the offline delivery and transfer of ownership of the vehicle as agreed, and the user obtains full right to use and own the vehicle.

[0178] ③ Full Payment Funds Time-Sequence Slicing Streaming Deduction: On a fixed deduction date each month, the system triggers a time-triggered mechanism (Δt = 1 month). α takes effect at a preset rate. The smart contract sends a compliant deduction instruction to the bank's escrow account, accurately transferring the monthly payment (digital RMB + compliant stablecoin at a 7:3 ratio) from the locked 1 million full payment funds to the seller's designated account, completing the monthly performance. After each deduction operation, the bank simultaneously reports the fund transfer result. The system synchronizes the deduction record, remaining locked fund amount, and performance progress to the user node network in real time for multi-node distributed notarization. Simultaneously, the hash value of the notarized data is anchored to the blockchain's underlying module for on-chain confirmation. Users, sellers, and banks can all query on-chain in real time. All operations are tamper-proof, traceable, and auditable. The entire deduction process requires no manual intervention and is automatically executed by the smart contract. The cumulative planned deduction amount does not exceed the locked 1 million transaction full payment, ensuring accurate and compliant dual-currency fund time-sequence slice transfer.

[0179] ④ Abnormal Interruption and Third-Party Risk Control: During the performance period, if the vehicle has quality problems within the agreed scope or the seller fails to fulfill its contractual obligations such as after-sales maintenance, the user can initiate a legitimate interruption command. The system will immediately set α to 0, suspend the dual-currency fund time-series deduction, and the remaining locked but not deducted funds will remain in the bank escrow account. The performance and deduction process will be resumed after the dispute between the two parties is resolved and the seller fulfills its rectification obligations. If the deduction fails due to reasons other than system reasons such as abnormal bank account or abnormal fund permissions, the system will immediately trigger a risk warning, send a notification to all three parties simultaneously, and suspend the deduction operation. It will be re-executed after the account is restored to normal. The funds locked throughout the process only have the sole authority to be deducted from the agreed seller's account, and there are no other channels for transfer or misappropriation, which ensures the security of cross-asset transaction funds from the technical level.

[0180] ⑤ Fulfillment and Fund Unlocking: Once the user completes the full fund deduction over 36 months as agreed, and α has achieved 100% fulfillment, the smart contract automatically sends an unlocking instruction to the bank, releasing the fund lock-up restriction on the bank's escrow account. If there are remaining funds in the account (such as transaction fee balances), they will be automatically transferred to the user's designated digital RMB / compliant stablecoin account at a 7:3 ratio. The system generates a full-process settlement report for the fixed asset transaction and the dual-currency full fund deduction, which is fully recorded on the blockchain for evidence storage, enabling traceability and auditability of the entire transaction process and all nodes of the fund deduction. The transaction is then officially completed.

[0181] The technical effects of this scenario precisely address the three core pain points of traditional physical fixed asset transactions: First, it completely eliminates the seller's concerns about receiving payments. The full transaction amount (digital RMB + compliant stablecoin) is held in escrow by the bank and locked throughout the process by a smart contract. Payments are deducted in a streaming manner according to the agreed-upon timeline. The seller does not need to worry about users defaulting on payments or refusing to pay. The payment schedule is controllable, and the security of funds is guaranteed. Second, it fundamentally solves the user's problem of protecting their rights. Unlike the traditional model where users need to pay the full amount to the seller in one lump sum, in this solution, the full amount is locked in advance but not transferred all at once. If the seller fails to fulfill its after-sales obligations or the asset has quality problems, the user can immediately initiate an instruction to interrupt the time-sharing deduction of dual-currency funds, completely avoiding the industry pain point of "full payment made, no way to protect rights." Third, it significantly reduces the bank's pressure on fund management. The smart contract automatically executes the entire process of fund locking, time-sharing deduction, interruption, and unlocking, without the need for manual bank intervention. Furthermore, funds are only transferred to the designated seller's account, technically mitigating the risk of fund misappropriation. This model does not involve on-chain mapping or tokenization of offline assets. The technical solution is closely aligned with the actual business processes of offline physical fixed asset transactions, making it highly practical. It fills the technical gap in "full payment lock-up + time-slice streaming payment" in large-value physical asset transactions, enabling two-way risk control among users, sellers, and banks, and significantly improving the security, flexibility, and compliance of large-value physical asset transactions.

Claims

1. A two-layer, bidirectional streaming slicing payment system based on DAO governance, comprising a blockchain underlying module and a smart contract verification module, characterized in that, It also includes a DAO governance module, a two-layer bidirectional streaming slice payment module, a dual-signature security verification module, and a user node distributed evidence storage and arbitration module; The dual-layer bidirectional streaming slice payment module includes an interconnected digital currency unidirectional streaming payment layer and a digital asset bidirectional streaming delivery layer. By constructing a bidirectional synchronization channel between the payment state machine and the delivery state machine, the blockchain system can support continuous streaming transactions across heterogeneous asset classes and achieve state synchronization and transaction rollback at the transaction granularity. The digital currency one-way streaming payment layer is used to perform time-series slicing and rate control on digital currency payment flows, and executes sliced ​​payments according to the payment rate coefficient α. The digital currency includes digital RMB and compliant stablecoins. The bidirectional streaming delivery layer for digital assets is used to perform streaming slice delivery of the delivery target. Slice delivery is performed according to the delivery rate coefficient β. The delivery target includes RWA real-world assets and on-chain digital rights. The digital currency one-way streaming payment layer and the digital asset two-way streaming delivery layer achieve execution rate synchronization through dynamic matching of α and β, forming a two-way streaming fulfillment mechanism. Under normal fulfillment conditions, the difference between α and β is within a preset threshold range. After a legitimate adjustment of α is confirmed by the DAO governance module on-chain consensus or by the dual signature of both parties to the transaction, it triggers a synchronous adjustment of β. When either party triggers a legitimate interruption instruction, the corresponding α or β is set to 0, and the two-way streaming immediately terminates. The DAO governance module is used to configure and dynamically adjust the system's preset parameters through on-chain voting consensus, and all parameter change records are stored on the blockchain. The dual-signature security verification module, in conjunction with the DAO governance module and the smart contract verification module, is used to perform dual-signature control on fund-related operations initiated by the DAO public treasury. The user node distributed evidence storage and arbitration module, in conjunction with the blockchain underlying module and the two-layer bidirectional streaming slice payment module, is used to realize distributed evidence storage of transaction data and decentralized arbitration of performance disputes.

2. The two-layer bidirectional streaming slice payment system based on DAO governance according to claim 1, characterized in that, The aforementioned one-way streaming payment layer for digital currency is implemented based on the compliant application programming interfaces and smart contract calling specifications publicly disclosed by the operators of digital RMB and compliant stablecoins. It does not modify the underlying architecture or separate the legal tender / compliant base. The mathematical expression for the payment rate is: ΔV a ᵧ=α×Total_Amount / T×Δt, where Δt is the preset minimum slice time unit, T is the agreed total performance period, Total_Amount is the single or combined total payment amount agreed upon by both parties, 0≤α≤1, ΔV a ᵧ represents the payment amount within a single time slice.

3. The two-layer bidirectional streaming slice payment system based on DAO governance according to claim 1, characterized in that, The bidirectional streaming delivery layer for digital assets includes an RWA on-chain compliance mapping submodule for the delivery of RWA real-world assets. This submodule verifies the core data of RWA offline assets through a compliance oracle cluster by performing signature verification on more than 2 / 3 of the nodes, generating standardized data hash packets anchored to the underlying blockchain. Based on the verified data, a two-layer token is generated: Non-Fungible Asset Certificates (NFTs) and Fungible Share Certificates (FTs). The NFT certificate is the unique on-chain ownership root certificate of RWA offline assets, and the FT certificate is a streaming slice delivery unit of RWA equity. The total issuance strictly corresponds one-to-one with the total share of RWA offline equity.

4. The two-layer bidirectional streaming slice payment system based on DAO governance according to claim 3, characterized in that, The bidirectional streaming delivery layer for digital assets is equipped with a streaming slice delivery submodule. Based on the RWA type-specific slice granularity rule library preset by the DAO governance module, the streaming slice delivery submodule automatically matches the smallest quantifiable slice unit synchronized with Δt. According to the time-triggered or condition-triggered mechanism, it automatically transfers a single slice FT certificate from the asset provider address to the receiver address, adds traceability information to the FT certificate chain record, and generates a delivery completion hash certificate after delivery, which serves as the core basis for linkage with the one-way streaming payment layer of digital currency.

5. The two-layer bidirectional streaming slice payment system based on DAO governance according to claim 4, characterized in that, A two-way linkage matching mechanism is established between the bidirectional streaming delivery layer of digital assets and the one-way streaming payment layer of digital currency. The execution logic of the two-way linkage matching mechanism is as follows: After the delivery of a single RWA slice is completed, the smart contract extracts the delivery completion hash certificate and sends the corresponding amount slice payment instruction to the underlying interface of digital currency; after the digital currency payment is completed, the payment success hash certificate returned by the underlying layer is received and on-chain hashed with the RWA delivery certificate to generate a payment-delivery matching certificate; if the payment fails, the smart contract immediately freezes and rolls back the transferred RWA slice FT certificate, and sets β to 0 to terminate subsequent delivery.

6. The two-layer bidirectional streaming slice payment system based on DAO governance according to claim 3, characterized in that, The digital asset bidirectional streaming delivery layer is equipped with a risk control submodule; the risk control submodule locks the performance period of the RWA FT certificate of the asset provider, and prohibits unauthorized transfer and pledging operations before the streaming delivery is completed; and synchronizes the status of RWA offline assets in real time through a compliance oracle cluster, with the synchronization period consistent with the Δt slice granularity. The system presets a valuation fluctuation threshold rule. When the valuation fluctuation exceeds the threshold, it automatically sends an α / β parameter adjustment proposal to both parties in the transaction. If a consensus cannot be reached, the two-way communication is terminated immediately and the already fulfilled portion is accurately settled.

7. The two-layer bidirectional streaming slice payment system based on DAO governance according to claim 3, characterized in that, The bidirectional streaming delivery layer for digital assets includes a liquidation closed-loop submodule. This submodule supports automated and precise liquidation in three scenarios: normal completion, mid-term termination, and dispute resolution. In normal completion, the NFT root certificate ownership notes are updated, the remaining FT certificate locks are released, and a full-process liquidation report is generated and stored on the blockchain. In mid-term termination, the fulfilled slice volume and payment amount are calculated according to the time-series slice units, and the unfulfilled portion is restored to its initial state. In dispute resolution, the fund rollback and FT certificate transfer operations are automatically executed based on the arbitration award.

8. The two-layer bidirectional streaming slice payment system based on DAO governance according to claim 1, characterized in that, The user node distributed evidence storage and arbitration module is constructed with a two-layer ledger architecture. The execution logic of the two-layer ledger architecture is as follows: the transaction process data is first distributed and stored in real time on the user node network, and then the hash value of the stored data is anchored to the underlying blockchain module for final tamper-proof confirmation of rights.

9. The two-layer bidirectional streaming slice payment system based on DAO governance according to claim 1, characterized in that, The decentralized arbitration logic of the user node distributed evidence storage and arbitration module is as follows: After both parties to the transaction initiate an arbitration application, the smart contract selects an odd number of neutral arbitration nodes from user nodes that meet the DAO's preset admission conditions through random lottery and staking endorsement. Based on the transaction data stored in the node network and the RWA offline asset status data provided by the oracle cluster, an anonymous on-chain vote is conducted to form a majority decision result, which is automatically executed after being verified by the smart contract.

10. A two-layer, bidirectional streaming slice payment method based on DAO governance, characterized in that, Includes the following steps: S1. Configure the system preset parameters through the DAO governance module using on-chain voting consensus. The preset parameters include time-series slice parameters, threshold ranges of rate coefficients α and β, dual-signature permission nodes, RWA slice granularity rule base, RWA valuation fluctuation threshold, and oracle node admission rules, where 0≤α≤1 and 0≤β≤1. S2. In response to the payment initiation request from both parties to the transaction, after verifying the identities and rule compliance of both parties, the system initializes and generates a one-way digital currency payment slice stream and a two-way digital asset delivery slice stream respectively. The two share the same T fulfillment period and Δt minimum slice time unit. If the delivered asset is a real-world RWA asset, the on-chain compliance mapping of RWA is first completed through a compliance oracle cluster, and then the time slice alignment and initial parameter matching of the two-layer stream are completed. After both parties to the transaction confirm the α and β initial parameters and the overall performance rules, the transaction officially takes effect. S3. Execute segmented payments of digital currency and segmented delivery of digital assets synchronously according to the preset minimum slice time unit; if it is an RWA target, execute streaming slice delivery, and achieve precise matching of RWA delivery and digital currency payment through a two-way linkage matching mechanism; maintain dynamic matching of α and β under normal performance conditions, with the difference between the two within the preset threshold range; when either party triggers a valid interruption instruction, the corresponding α or β is set to 0, and the streaming immediately terminates in both directions; if payment failure or delivery abnormality is detected, the system automatically triggers the cross-state machine transaction rollback mechanism to restore assets and funds to the pre-transaction state and reset α or β; S4. When a fund-related operation involving the DAO public treasury is detected, a dual-signature security verification process is initiated, sending signature requests to at least two pre-defined authorized accounts to obtain independent on-chain signature information; S5. The smart contract verification module automatically verifies the signature information, operation permissions, parameter compliance, RWA status authenticity, and FT transfer validity on-chain. If the verification passes, the corresponding fund operation is executed; if the verification fails, the operation is rejected and the abnormal information is recorded on the chain. S6. All payment records, delivery records, parameter adjustment records, dual signature verification records, DAO governance records, and RWA liquidation records throughout the entire process are synchronized in real time to the user node network to complete distributed notarization, and the notarization hash value is anchored to the blockchain underlying layer to achieve full immutability and traceability.

11. The two-layer bidirectional streaming slice payment method based on DAO governance according to claim 10, characterized in that, In step S2, the specific process of the RWA on-chain compliance mapping is as follows: the core data of RWA offline assets is verified by signing more than 2 / 3 of the nodes through a compliance oracle cluster, and a standardized data hash package is generated and anchored to the bottom layer of the blockchain; based on the verified data, a two-layer token of NFT ownership root certificate and FT share certificate is generated, and the smallest FT slice unit is synchronized with Δt; after the smart contract verifies the compliance of the mapping, an RWA mapping certificate package is generated and stored on the chain.

12. The two-layer bidirectional streaming slice payment method based on DAO governance according to claim 10, characterized in that, In step S3, the specific process of RWA streaming slice delivery is as follows: the smart contract matches the smallest quantifiable slice unit synchronized with Δt according to the RWA type-specific slice granularity rule library; and automatically transfers a single slice FT certificate according to the time-triggered or condition-triggered mechanism. Generate a delivery completion hash certificate as a trigger factor for the digital currency payment layer; realize the positive trigger of asset delivery first and fund payment later and the two-way linkage of payment result verification.

13. The two-layer bidirectional streaming slice payment method based on DAO governance according to claim 10, characterized in that, Step S3 also includes RWA risk management steps: locking the performance period of the RWA FT certificate of the asset provider; synchronizing the status of RWA offline assets in real time with a period of Δt through the oracle cluster; When valuation fluctuations exceed a preset threshold, an α / β parameter adjustment proposal is automatically initiated. If a consensus cannot be reached, the two-way communication is immediately terminated and the already fulfilled portion is precisely settled.

14. The two-layer bidirectional streaming slice payment method based on DAO governance according to claim 10, characterized in that, Step S3 also includes the RWA liquidation closed-loop steps: supporting automated and accurate liquidation in three scenarios: normal completion, mid-term termination, and dispute resolution; statistically analyzing the fulfilled and unfulfilled portions according to time-series slice units to restore the status of FT certificates and funds; generating a liquidation report and permanently binding it to the NFT root certificate for on-chain storage.

15. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, it implements the two-layer bidirectional streaming slice payment method based on DAO governance as described in any one of claims 10-14.

16. An electronic device, characterized in that, It includes a processor and a memory, the memory storing a computer program that can run on the processor. When the processor executes the computer program, it implements the two-layer bidirectional streaming slice payment method based on DAO governance as described in any one of claims 10-14, and simultaneously implements the core functions of blockchain underlying notarization, automatic smart contract verification, and dual-signature security verification in the system described in claims 1-9.

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