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AI-Guarantor Protocol v3 — The Trust Layer Manifest
???? Protocol v3.0 live since Dec 2025 ✅ 99.8% dispute-free execution | 5 218 deals | $148.2M secured ???? ISO/IEC 27001:2022 — Annex A.12.4 (Audit Trails) compliant

The Trust Layer Manifest: Redefining Deal Settlement in the Post-Institutional Era

Guarantor is not a service. It is the first open, auditable, AI-secured protocol for atomic deal execution — a universal layer that bridges Web3, CeFi, Real World Assets, and institutional compliance.

This is not escrow. This is infrastructure.

Six Theses of the Trust Layer

A technical-philosophical foundation for protocol-native trust.

1

Trust is Atomic

A deal is either fully executed or fully reverted. No partial states. No “pending” ambiguity. Guarantor enforces atomicity at the protocol level — not the application layer.

2

Auditability is Non-Negotiable

Every step — from intent to execution — is cryptographically signed, timestamped, and stored in immutable logs (IPFS + TON Storage). Regulators, parties, and auditors access the same truth.

3

AI is the New Notary

Human notaries verify documents. AI notaries verify *intent, context, and risk*. RAG-augmented models analyze OSINT, on-chain history, and linguistic patterns to detect scam intent before execution.

4

Escrow is a Primitive

Like hash functions or signatures, escrow is a cryptographic primitive — not a feature. Guarantor provides it as a standardized, composable module: TON/Ethereum/Polygon-native, gas-optimized, insurance-backed.

5

Legal Wrappers are Code

Jurisdiction-specific contracts are not PDFs — they are JSON-LD objects with embedded logic: {"jurisdiction": "RU", "law": "Civil Code Art. 454", "enforceable": true}. Rendered on-demand in 7 languages.

6

Trust is Interoperable

A DAO in Singapore can buy real estate in Dubai from a seller in Moscow — with one protocol, one audit trail, one escrow, and legally binding outcomes in all three jurisdictions.

The Guarantor Protocol Stack

A 4-layer architecture. Deploy one layer or the full stack.

Legal Wrapper Layer
Jurisdiction-aware contract generation (RU, UAE, SG, CH, DE, US-DE, CN). ISO 20022 alignment. Notary integration.
Escrow Layer
Multi-sig release conditions, insurance pool (Lloyd’s #2020), TON/Ethereum/Polygon support, gas abstraction.
AI Audit Layer
RAG-powered risk scoring, scam pattern detection, Telegram/OSINT/Web3 reputation aggregation, real-time threat intel.
Intent Layer
Standardized deal initiation (JSON Schema), deep-linking, Telegram Mini Apps SDK, zero-knowledge proofs of intent.

Protocol Bridges: From Theory to Execution

Guarantor doesn’t replace systems — it connects them.

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Web3 → Real Estate

USDT → Escrow → Notary verification → Title transfer → Deed NFT (IPFS + TON DNS). Legal wrapper: UAE Civil Code.

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DAO → CeFi Custody

DAO vote → Guarantor escrow → Funds released to licensed custodian (Swiss VQF). Audit trail for FATF Travel Rule.

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Telegram → Smart Contract

User in @GARANT_S_bot → Pre-filled deal → Deployed escrow contract → Auto-triggered release on condition met.

⚖️

Regulator → Protocol

Compliance officer accesses read-only audit log via API. Real-time alerts on high-risk deals. Export to SIEM/XDR systems.

Live Trust Graph

Real-time visualization of deal trust propagation (anonymized).

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Build on the Trust Layer

Whether you’re a developer, DAO, or regulator — Guarantor is designed for integration.

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REST API, Webhooks, TypeScript SDK, Telegram Mini Apps SDK.

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Multi-sig escrow, treasury protection, governance-integrated deal flow.

⚖️ For Regulators

Read-only audit access, compliance tooling, FATF/EU MiCA alignment.