Global Payment Standard: WasabiCard's Shared Limit Engine Design

Past payment systems were designed around 'individuals.' Whether traditional bank credit cards or corporate business cards, all transaction logic followed a fixed model:

One card, one account, one user.

This model worked well in 20th-century banking systems but appears clumsy in the era of globalization and digital collaboration:

• Enterprise teams need multiple cards for budget allocation
• Advertising, e-commerce, and agency industries need shared limit pools
• Remote companies issuing cards cross-border face cumbersome operations and approval delays
• When multiple people use the same funding source, risk control and tracking become nearly impossible

This means—traditional 'single-card limit' systems cannot meet new market demands.

Thus, WasabiCard launched the revolutionary Shared Limit Engine, which not only solves the structural challenge of 'multiple cards sharing one fund pool' but redefines the flexibility and security of enterprise-level payments.

The shared limit system isn't simply 'shared balance' but a dynamic financial infrastructure supporting global collaboration.

WasabiCard's shared limit system aims to solve three problems:

Core system architecture:

┌───────────────────────────┐
│   Shared Limit Engine     │
├───────────────────────────┤
│ 1. 额度池管理（Limit Pool）        │  
│ 2. 多卡映射（Card Mapping）       │  
│ 3. 实时授权（Authorization）       │  
│ 4. 风控策略（Risk Rules）          │  
│ 5. 结算追踪（Settlement Tracking） │  
└───────────────────────────┘

These five modules together form WasabiCard's underlying payment logic, achieving truly 'shared but not chaotic, flexible yet controllable.'

WasabiCard's limit system adopts a Multi-Tiered Limit Pool architecture:

This layered architecture achieves 'shared without mixing' financial design. Every transaction can be precisely traced, independently authorized, and independently settled.

Traditional card issuance authorization logic is static—systems simply check if balance is sufficient, then approve or decline.

WasabiCard's shared limit engine adopts a Dynamic Authorization model, calculating these variables in real-time for each transaction:

The system uses a 'Real-Time Risk Scoring' calculation model to determine whether to approve transactions, achieving flexible combinations of 'auto-approval + smart limits.'

This mechanism enables WasabiCard's virtual cards to support high-concurrency transactions (thousands of authorizations per second) while maintaining decline rate < 1%, false positive rate < 0.3%, truly achieving 'flexibility and security combined.'

Many shared card systems' pain point is: after multiple cards use the same fund pool, settlement accounts become chaotic and difficult to track. WasabiCard's advantage lies in building a Hybrid Settlement Engine at the foundation.

子卡交易 → 授权成功 → 扣减额度池冻结额度 → 
→ 生成清算任务 → 链上结算 / 法币通道同步 → 
→ 更新账本状态（T+0） → 可提现余额释放

Every transaction has a complete traceable chain in the system:

Who initiated → Which card spent → Source limit → Settlement path → Final credit.

This not only greatly enhances compliance transparency but also provides reliable foundations for enterprise audits, taxes, and financial reports.

The biggest risk in 'shared limit' mode is abuse and unauthorized access. WasabiCard deeply embeds risk control systems into the limit engine during design.

System supports PCI-DSS security standards, KYC/KYB verification, AML review, OFAC blacklist comparison. All fund transfer paths have complete encryption and audit records.

WasabiCard's shared limit system has been deployed across multiple scenarios:

In these scenarios, WasabiCard helps clients achieve financial transparency + payment flexibility + risk minimization, forming a new model of enterprise financial collaboration.

Future global payment systems will no longer be 'one card corresponds to one fund' but dynamic networks composed of 'shared limit pools + smart authorization + real-time settlement.'

WasabiCard's shared limit engine is the foundational prototype of this era:

• Enterprises can manage funds like calling APIs
• Teams can instantly adjust spending limits
• Fiat and stablecoin accounts achieve seamless switching
• All transactions are recorded on-chain, traceable, and auditable

Shared limits aren't just a feature but Wasabi's first step in redefining 'global payment architecture.' It makes payment collaboration smarter, safer, and more transparent.

WasabiCard believes payment's future lies not in centralized banks but in trustless collaboration systems. The shared limit engine embodies this philosophy—using technology to redistribute 'control' and 'transparency,' making every step of fund flow controllable, traceable, and trustworthy.