The five layers
1
Experience layer
A payment application, checkout, terminal, or operations user initiates and observes work.
2
Control plane
Oynk authenticates the actor, validates exact amounts and destinations, evaluates policy, requests quotes, assigns providers, and owns lifecycle state.
3
Provider network
Qualified providers commit liquidity, collect origin funds, exchange value, or execute destination payouts under corridor and capacity constraints.
4
Settlement layer
In the target architecture, Stellar assets and Soroban contracts create an auditable, reference-driven boundary for funding, commitments, claims, refunds, and disputes.
5
Visibility plane
Indexers normalize chain events into PostgreSQL; APIs and dashboards expose operational movement, synchronization health, and reconciliation context.
Separation of responsibilities
This separation prevents a common failure mode: treating a token transfer as proof of a complete cross-border payment.