Kinyarwanda
Oshiwambo
Tagalog
Punjabi
Bridging trust and digital public infrastructure
A reusable DPI architecture for grievance redress, fund recovery and instant payment systems. Apply for the open licence available to low- and middle-income countries.
Three components, one capability
The Trust Layer spans grievance redress management, fund tracing and recovery, and the instant payment system itself — incomplete without all three. Each party’s deployable software, trained models and managed services stay separately licensed.
Citizen complaint intake, structured case creation, classification, routing to responsible institutions and case follow-up.
Escalation to external tracing systems, collaborative track and trace of illicit funds, and recovery-status events.
The scheme itself — transaction reference formats, participant identification and timing expectations.
What is open, and what is not
- Redress case data model.
- Complaint taxonomy as a controlled vocabulary.
- Case lifecycle state machine — permitted states, transitions and transition conditions.
- Escalation-to-tracing API contract, and recovery-status event contract.
- IPS binding profiles — transaction reference formats, participant identification, timing.
- Transaction and participant data structures required for case handling and tracing.
- Conformance criteria.
- Trust Layer reference architecture, and the redress, recovery and IPS integration model.
- Complaint and case taxonomy guidance.
- Reference workflow definitions and templates, published as non-normative.
- Institutional and jurisdiction routing guidance, and reference operating procedures.
- Regulatory and implementation blueprint, plus country adaptation guidance.
- Training methodology: data collection and preparation only.
- Integration and deployment documentation for on-premise self-hosted deployments.
No fee for eligible IIPS and DPI
The Proto & FNA Trust Layer platform is free for qualified implementations — delivered as signed binaries and containers for on-premise or private cloud deployment. Source code is not distributed.
Initial grant term
24 months
Continued use beyond the agreed term, or use outside the eligible scope, requires a commercial agreement with Proto.
is sponsored, mandated or overseen by a central bank, public financial authority, statutory IPS operator or qualifying development institution;
supports interoperable, low-cost and broadly accessible instant payments;
has an explicit financial-inclusion, consumer-protection or public-interest mandate;
serves low-income, underserved or financially excluded users;
is identified in writing by country, payment system, implementing entities and start date.
Compare the combined offer
| Feature | Trust Layer | Proprietary |
|---|---|---|
| Proto — AI Agents | ||
| Send message, file, carousel, survey | ||
| Collect feedback (CSAT) | ||
| Create ticket | Requires email config | |
| Jump, branch, set variable | ||
| Send API request | ||
| Auto team match |  | |
| AI-agent, human and external handoff | | |
| Auto-fill field | | |
| Generic LLM processing action | | |
| SQL query | | |
| Knowledge base — file and document training | ||
| Knowledge base — URL and website training | | |
| Master prompt, content filtering | ||
| Open-source ASR / TTS | Optional, self-hosted | |
| Proto tailored voice models | | |
| Proto low-resource-language models | | |
| Proto hosted model inference | | |
| Proto — Channels | ||
| Webchat | ||
| WhatsApp, Telegram, email, Messenger, LINE | User credentials | |
| SMS | | |
| Proto — Inbox and repositories | ||
| Find and view conversations, message editor, reply | ||
| Transfers and takeovers | ||
| Tickets repository | ||
| People / basic CRM | ||
| AI summary, live translation, sentiment | | |
| Mediation co-pilot / Platform Advisor | | |
| Proto — Analytics | ||
| Basic ticket reporting | ||
| Interactions, chats, CSAT and workforce analytics | | |
| AI insights and social perception | | |
| Custom analytics | | |
| Proto — Administration | ||
| Users, teams, roles and permissions | ||
| Taxonomy, tags and custom fields | ||
| SSO | ||
| Whitelabelling | | |
| Database connections | | |
| FNA — Money Trails | ||
| Collaborative track and trace of illicit funds | | |
| Recovery actions | | |
| Case portal and case management | | |
| FNA — National Fraud Portal | ||
| Module hosting and contract | ||
| Common data layer and exchange | ||
| NFP as a hosted service | | |
| Proto — API and hosting | ||
| Unlimited third-party modules | ||
| Workflow and interoperability specifications | Openly licensed | |
| Platform / Developer API | Limited | |
| On-premise / self-host | Qualifying IIPS | |
| Managed hosting and SLA | | |
Identify your implementation
Tell us the country, the payment system and the implementing entities. We will confirm eligibility and a start date.