The Anatomy of a Cross-Border ProofPay Transaction: USA to Japan

When discussing ProofPay, the terms "system" and "platform" are often intermixed because ProofPay functions as both a comprehensive, integrated system of components designed to manage digital assets, and as a foundational platform upon which users and future services can interact and build.

Mary Sends Money from New York to Hiroshi in Tokyo

1. Mary Initiates an International Transfer
Mary opens her ProofPay wallet in New York and sees her balances:

• USD Balance: $2,347 (across 4 Tensors)
• EUR Balance: €500 (across 3 Tensors)

She wants to send ¥50,000 (about $335) to Hiroshi in Tokyo for his birthday.

2. Choosing the Transfer Method
ProofPay presents Mary with three options:

• Option A: Send USD Tensors directly (Hiroshi receives USD Tensors he can use or exchange later)
• Option B: Convert to JPY first, then send (Exchange USD to JPY Tensors before sending)
• Option C: Let Hiroshi choose (Send USD with auto-conversion instructions)

Mary chooses Option B for Hiroshi’s convenience.

Note: If Option C is selected, Hiroshi has the choice of keeping the Tensor in USD, converting to JPY, or any other currency supported by ProofPay.

3. Smart Currency Exchange
The system shows:

• Current rate: 1 USD = 149.50 JPY
• Exact amount needed: $334.45

ProofPay selects Mary’s Tensors:

• One $100 Tensor (ID: US01H5Z7VG7D4P8M5K6J7B8R9C0W)
• One $100 Tensor (ID: US02J6A8WH9E5R7T2Y4U6I8OUG1P)
• Three $50 Tensors
• Total: $350 USD

4. The Exchange Process
ProofPay calculates:

• $350 USD × 149.50 = ¥52,325 exact value
• Japanese Tensors created in ¥100 denominations
• Rounded up to ¥52,400 (524 tokens × ¥100)
• Difference of ¥75 ($0.50) becomes the exchange fee

Mary sees:

Sending: $350 USD (5 Tensors)
Exchange Rate: 1 USD = 149.50 JPY (locked in)
Receiving: ¥52,400 JPY
Exchange Fee: ¥75 ($0.50)
Hiroshi Gets: ¥52,400

Behind the Scenes: Token Management

While Mary just sees Tensors, the system orchestrates:

• 350 USD tokens transfer to the exchange service
• 524 new JPY tokens allocated
• New JPY Tensors created with unique IDs:

• JP01N5O7P9Q2R4S6T8U1V3W5X7Y (¥10,000)
• JP02O6P8Q1R3S5T7U9V2W4X6Y8Z (¥10,000)
• [... more Tensors totaling ¥52,400]

Note: ProofPay is a dual-architecture system in which Tensors and Tokens are distinct entities.

Transaction Validation Across Borders

The system verifies:

• Mary owns the USD Tensors
• Exchange service is authorized
• Hiroshi’s wallet accepts JPY
• No restrictions prevent international transfer
• Compliance with US and Japan regulations

Hiroshi Receives Native Currency

Hiroshi’s phone buzzes in Tokyo: “Mary sent you ¥52,400!”

His wallet shows:

• New JPY Tensors with Japanese serial numbers
• Sender: Mary (New York)
• Original amount: $350 USD
• Exchange rate used: 149.50
• No need to convert anything

Complete Transaction Record

Mary’s View:

Sent: $350 USD to Hiroshi
Converted to: ¥52,400 JPY
Rate Locked: 149.50 JPY/USD
Fee: ¥75 ($0.50)
Time: 2:34 PM EST
Blockchain Proof: [Link]

Hiroshi’s View:

Received: ¥52,400 JPY from Mary
Original: $350 USD
Rate Applied: 149.50 JPY/USD
Time: 4:34 AM JST
Tensors: 6 new JPY Tensors
Blockchain Proof: [Link]

Alternative Scenario: Direct USD Transfer

If Mary had chosen Option A (send USD directly), Hiroshi would receive:

• 5 USD Tensors totaling $350
• Each keeps its US serial number
• Shows in his wallet as "$350 USD (¥52,325 equivalent)"
• He can use USD Tensors or exchange to JPY when needed

What Makes International ProofPay Special?

Traditional International Wire:

• 3–5 days processing
• $25–45 in fees
• Poor exchange rates
• No transparency
• "Where’s my money?" anxiety

ProofPay International:

• Instant settlement
• Transparent micro-fees (¥75 = $0.50)
• Locked exchange rates
• See exact Tensors moving
• Choose your currency preference
• Complete audit trail in both countries

Smart Features for International Users

• For Mary: Set spending limits, create recurring transfers, restrict purpose
• For Hiroshi: Auto-convert preference, spending rules, multi-currency view

The Hidden Complexity Made Simple

While users experience a simple “send money internationally” flow, ProofPay orchestrates:

• Real-time FX rate locking
• Cross-border compliance checks
• Multi-currency Tensor creation
• Token range management
• Dual-jurisdiction audit trails
• Blockchain anchoring in both countries

But Mary just sees: “Send ¥50,000 to Hiroshi” ✓
And Hiroshi just sees: “Received ¥52,400 from Mary” ✓

The future of international money: Smart, transparent, and as easy as sending a text message.

Disclaimer

All features, functionalities, and capabilities described above are part of the planned ProofPay platform roadmap. Their availability is subject to approval, licensing, or regulatory clearance from relevant government agencies and financial authorities in the jurisdictions where we operate. Certain features may be limited, delayed, or restricted based on regional compliance requirements. ProofPay reserves the right to modify, defer, or suspend any feature until such approvals are fully obtained. Exchange fees may vary.