Oracle-Based Proof of Reserve · 3-Second Refresh Cycle · Five-Bank Custody Reconciliation
PG-AI abandons the traditional annual audit model in favor of real-time, oracle-based Proof of Reserve (PoR) attestation. Every 3 seconds, the platform reconciles on-platform liabilities against live holdings at five custodian banks — JPMorgan, Goldman Sachs, UBS, BNY Mellon, and DBS — and publishes a cryptographically signed attestation snapshot.
PG-AI 放弃传统年度审计，改用实时的 Oracle-Based 储备证明（PoR）。每 3 秒，平台将链上负债与五大托管行的实时持仓进行对账，并发布签名证明快照。
Core principle: Transparency should operate at the speed of markets, not the speed of accountants.
The attestation system operates on two layers that must agree before a valid attestation is published:
Layer 1 — On-Platform Liabilities: The total value of all client positions, mandate allocations, and pending settlements as recorded in PG-AI's internal ledger. Updated in real time as skills execute trades and rebalancing operations.
Layer 2 — Off-Platform Reserves: The actual holdings at the five custodian banks, queried via read-only API connections. Each bank provides a digitally signed holdings report every 3 seconds.
双层对账：第一层是平台内部所有客户持仓的总值（实时更新）；第二层是五大托管行的实际持仓（每 3 秒签名报告）。两层必须一致方可发布有效证明。
| Custodian | API Type | Refresh Rate | Data Signed |
|---|---|---|---|
| JPMorgan | REST / Read-Only | 3 seconds | RSA-4096 |
| Goldman Sachs | REST / Read-Only | 3 seconds | RSA-4096 |
| UBS | FIX Protocol | 3 seconds | ECDSA P-384 |
| BNY Mellon | REST / Read-Only | 3 seconds | RSA-4096 |
| DBS Bank | REST / Read-Only | 3 seconds | RSA-4096 |
Each attestation snapshot includes a Merkle tree where every leaf node represents a single client's total position value. Clients can independently verify their inclusion by checking their leaf against the published root hash — without revealing any other client's data.
每次证明快照包含一棵默克尔树，每个叶子节点代表一位客户的总持仓价值。客户可以独立验证自己的叶子是否包含在发布的根哈希中——无需暴露其他客户数据。
If the reserve ratio drops below 100.00% at any attestation cycle, the system triggers a four-stage escalation:
若储备率降至 100% 以下：第一级内部警报并暂停新操作；第二级冻结所有转出并 15 分钟内通报 MAS 和 SEC；第三级 1 小时内向所有客户公开披露；第四级 MAS 行使即时冻结权。
| Report | Recipient | Frequency | Content |
|---|---|---|---|
| Daily Reserve Report | MAS | Every 24 hours | Full reserve breakdown by custodian, reserve ratio, anomaly log |
| Quarterly Filing | SEC | Every 90 days | AUM, client count, risk metrics, compliance summary |
| Annual Audit | Big Four Auditor | Annual | Full financial statements, controls assessment, SOC 2 Type II |
| Real-Time Feed | Clients | Every 3 seconds | Reserve ratio, personal leaf verification, custodian status |