Glossary

Every term, in one paragraph.

39 terms across seven groups — currency, trust, saving, credit, privacy, social, ecosystem. Search to jump to any term, or scroll the groups.

₳ · Currency & accounts

AEC: Internal credit unit of the AEVION ecosystem. Pre-launch, 1 AEC ≈ $0.45 ≈ €0.42 ≈ 215 ₸. Treat as ecosystem credit, not a regulated currency.
Account-id: Opaque identifier of your wallet, format acc_<uuid>. Stable across sessions, used as the destination for transfers when you don't have someone's email.
Balance: Spendable AEC currently in your wallet — not counting pending Round-Up sweeps or locked Vault positions.
Top-up: Adding AEC to your wallet from an external source. Currently demo-only; production top-up rails ship with backend integration.
Display currency: Local currency you see amounts rendered in (USD / EUR / KZT / AEC). Conversion is display-only; the wallet stores AEC natively.

◯ · Trust system

Trust ScoreRead more →: Reputation number 0–100 computed across 8 factors via weighted-mean math with a sub-linear curve. Gates how much credit you can pull instantly.
Trust tierRead more →: Discrete bucket your score lands in: New (0–19), Growing (20–49), Trusted (50–79), Elite (80+). Each tier unlocks visible perks.
Trust factorRead more →: Individual signal feeding the score: account age, banking volume, network breadth, activity, IP portfolio, IP reach, chess rating, planet bonuses.
Engagement bonus: +3 added to the score once any factor reaches 30. Stops brand-new users from feeling stuck on zero after first interactions.

✦ · Saving products

GoalRead more →: Named savings bucket with an amount target and optional deadline (e.g. 'New laptop — 1500 AEC by Sept'). Doesn't lock funds; just tracks progress.
AEC VaultRead more →: Staking-style yield product. Lock AEC for 30 / 90 / 180 days in exchange for an APY multiplier scaled by your Trust tier. Early claim incurs a 50% gross penalty.
Round-Up StashRead more →: Sweeps virtual change off every outgoing transfer (next multiple of 1 / 5 / 10 AEC) into a stash that can be claimed into a chosen Goal.
APY: Annual percentage yield on a Vault position — compounded across the lock-in term. Higher tiers and longer terms get bigger multipliers.
Early claim: Withdrawing a Vault position before maturity. The accrued yield is hit with a 50% gross penalty; net is what you actually receive.
Budget capRead more →: Monthly spending limit set per category. The wallet tracks real-time pace against the day of month and projects end-of-month totals before any cap is breached. Open at /bank/budget.
Billing calendarRead more →: Heat-mapped 30-day view of upcoming recurring charges. Each day's tile gets a darker shade as more rules fire that day. Open at /bank/calendar.
Subscription scannerRead more →: Pure-derivation engine that flags recurring rules that look like leaks: stale (no run for 60+ days), expensive (≥ 2× the median), or duplicate (same recipient + period + amount). Open at /bank/subscriptions.
Wealth forecastRead more →: Three-scenario projection (conservative / realistic / optimistic) across 30 / 90 / 365-day horizons, with goal ETAs computed from your active earning streams. Open at /bank/forecast.
Cool-down queueRead more →: Anti-impulse buffer for non-essential payments. Schedule a payment with a 12-72h hold; the wallet only confirms after the timer expires. Open at /bank/cooldown.
Wishlist itemRead more →: Named item with its own savings counter and target. Tracks progress against your real-time balance — no extra accounts. Open at /bank/wishlist.

◯ · Credit

Salary Advance: Instant AEC issued against future earnings. Limit gated by Trust tier (Trusted 500, Elite 2000). Repaid automatically from your next inflow with a small platform fee — no compound interest.
Credit limitRead more →: Maximum advance you can pull right now. A function of your Trust Score — climbs as the score climbs, falls back if signals weaken.

⛨ · Privacy & cryptography

QSignRead more →: AEVION's Ed25519-based signing service. Every transfer is signed via /api/qsign/sign immediately after success; signatures live in the local audit log for re-verification.
Ed25519: Elliptic-curve digital-signature algorithm with strong security and small signature size. Backbone of QSign; the keypair lives on your device only.
Biometric guardRead more →: WebAuthn-backed fingerprint or face prompt that gates transfers above a configurable threshold. The biometric is local — only an unlock for the QSign keypair, never sent to a server.
Audit log: Local record of every signed operation. Persists in your browser; you can re-verify any historical entry against /api/qsign/verify and detect tampering.
AnomalyRead more →: Local flag raised on outgoing transfers that fall outside your normal pattern: unusually large amount, first-time recipient, burst of outgoing, late-night.
Export: JSON snapshot of 17 localStorage keys downloaded via Help → Export wallet. Re-import on any device to restore goals, signatures, gifts, contacts, and biometric thresholds.

◉ · AEVION ecosystem

QRight: AEVION's IP/royalty module. Verifies original creative work and pipes royalty payouts directly into the wallet — feeds the IP-portfolio Trust factor.
CyberChess: AEVION's chess platform with prize-pool tournaments. Wins settle into the wallet; chess rating + podium count feed the chess Trust factor.
Planet: AEVION's stewardship layer where contributions earn certificates and bonuses. Planet payouts feed both the wallet and the planet Trust factor.
QCoreAI: AEVION's AI coordination layer. Routes prompts across agents and providers. Indirectly feeds the wallet via Multichat usage analytics.
Multichat Engine: Parallel multi-agent grid (6 roles, 5 LLM providers, persistent local sessions). Live module that uses AEVION accounts for billing and personalisation.

Cross-reference

Need more depth? Open the help page.

Security model · Read the bank story →Open my wallet