Trust Mesh
Composable Credential Stack
Executive Summary
Composable credential stack where individual credential tokens combine into composite trust scores. Each credential is independently verifiable; stacked credentials create emergent trust levels. DUAL's Logic Layer enforces prerequisite trees and composition rules.
Token Data Schema
What this token holds — every field is specific to Trust Mesh:
{
"immutable": {
"mesh_id": "UUID",
"participant_count": "uint16",
"trust_domain": "string"
},
"mutable": {
"reputation_score": "float",
"settlement_pending": "uint256",
"dispute_count": "uint32"
},
"compliance": {
"kyc_verified": "bool",
"dispute_resolution_status": "enum"
}
}User Journey
Creates trust mesh with founding participants and governance rules
Token: mesh_id created, participant_count = N
Each participant undergoes KYC verification and signs legal agreement
Token: kyc_verified = true per participant
Logs settlement between two mesh participants
Token: settlement_pending incremented, reputation_score adjusted
Resolves payment dispute using mesh consensus rules
Token: dispute_count incremented, resolution_status updated
Recomputes mesh-wide reputation based on settlement history
Token: reputation_score decayed and recalculated
Token Lifecycle
State machine transitions:
Why Not Just a Database?
| Approach | Portability | Mutable State | Cross-Org | Compliance |
|---|---|---|---|---|
| Traditional Bank Network | Correspondent banking | Manual dispute resolution | Hierarchical | Bank-enforced |
| DAG-based Ledger | Distributed | Limited conflict resolution | Flat peer network | Algorithmic only |
| Marketplace Platform | Platform-locked | Reputation score centralized | Via escrow | Platform-managed |
| DUAL Mesh | Mesh-native | Distributed reputation | Native multi-org | Mesh-governed dispute arbiter |
Market Opportunity
Logic Layer enforces prerequisite trees and composition rules; Identity Layer binds credentials to individuals; mutable state tracks credential status and trust scores; Compliance Layer prevents fraudulent composition.
Business Model & Unit Economics
- Mesh Initiation: $5,000 setup fee for creating and bootstrapping a new trust mesh
- Per-Participant KYC: $50 per participant onboarded and verified into mesh
- Settlement Transaction: $2-$5 per settlement recorded in mesh (volume-based discount)
- Dispute Arbitration: $250-$1,000 per dispute resolution arbitration
Per-mesh: $5K setup + $50 per KYC + $2-5 per settlement. Avg. 20-person mesh: $6K revenue Y1; COGS ~$500. Gross margin: 90%+. Payback immediate.
5-Year Projections
| Year | ARR | Customers | Notes |
|---|---|---|---|
| Y1 | $150K | 30 meshes | B2B SME networks pilot |
| Y2 | $1M | 150 meshes | Trade finance + fintech adoption |
| Y3 | $3M | 450 meshes | Mesh reputation standard |
| Y4 | $6M | 900 meshes | Inter-mesh federation enabled |
| Y5 | $10M | 1,500 meshes | Global settlement mesh network |
Competitive Positioning
| Competitor | Weakness | DUAL Advantage |
|---|---|---|
| Traditional Bank Correspondent Network | Hierarchical; slow clearing; high fees; limited SME access | Peer-to-peer trust mesh; instant settlement; permissionless |
| Ripple xRapid (pre-acquisition) | Focused on corridors; no native dispute resolution; liquidity-dependent | Native mesh governance + distributed reputation |
| Circle (USDC Rails) | Payment rail only; no trust / reputation; compliance manual | Trust mesh + compliance layer built-in |
Go-to-Market
Target trade finance SMEs and supply chain networks. Launch 30 trust meshes. Partner with industry associations for distribution. Target: $150K ARR.
Embed trust mesh into fintech lending platforms. API for mesh reputation queries. Add dispute arbitration framework. Target: 150 meshes, $1M ARR.
Inter-mesh federation. Become the trust standard for international B2B commerce. Institutional partnerships.
90-Day MVP
- Mesh creation + governance setup: Bootstrap N-participant trust network
- KYC verification workflow: Identity + legal document verification
- Settlement logging: Transaction record creation + audit trail
- Reputation score computation: Blockchain-based reputation algorithm
- Dispute arbitration module: Consensus-based conflict resolution
- Mesh federation API: Query reputation + initiate cross-mesh settlements
Risk Factors
Majority participants could collude to exclude minorities or manipulate reputation.
Mitigation: Sybil resistance (KYC); weighted voting by transaction volume; governance emergency brake.
Mesh arbiters may face appeals or legal challenges to dispute resolutions.
Mitigation: Tiered appeals process; insurance for arbitration errors; legal opinion review.
First mesh requires critical mass to be valuable. Bootstrapping is difficult.
Mitigation: Subsidize founding participants; partner with industry associations; cross-mesh federation.
Regulators may classify mesh as a money transmitter or payment system.
Mitigation: Legal review pre-launch; engage with FinCEN; operate as settlement rail, not payment.
VC Pack Documents
Complete pre-seed investment package:
Get Started with AI
Prerequisites: Complete the DUAL Quick Start Guide to set up your environment and API keys before building this concept.
# Build Trust Mesh on DUAL You are building a peer-to-peer trust and settlement network. Start here: 1. Design the mesh schema: immutable mesh_id, participant_count, trust_domain; mutable reputation_score, settlement_pending, dispute_count; compliance kyc_verified, dispute_resolution_status. 2. Create the mesh formation workflow: - Initialize mesh with founding participants - Establish governance rules (consensus quorum, voting weights) - Onboard additional participants with KYC 3. Build the settlement logging: - Log each peer-to-peer transaction on DUAL - Update settlement_pending and reputation_score - Create immutable settlement audit trail 4. Implement reputation scoring: - Track participant payment history - Compute reputation score using peer feedback - Decay reputation for settlement failures - Periodic recomputation per mesh consensus 5. Create dispute resolution: - Participants can contest settlement - Mesh arbiters vote on resolution - Immutable resolution record - Update dispute_count and resolution_status Start by implementing peer-to-peer settlement logging and reputation computation.