Soluna Finance OS Specification

Home / Soluna Finance OS / Soluna Finance OS Specification

Soluna Finance OS

A financial system in balance with itself.

Soluna Finance OS is an open-source financial operating system that virtualizes insured banking into a unified, AI-orchestrated liquidity platform. Rather than treating financial institutions as isolated systems, Soluna Finance OS abstracts them into programmable vaults that continuously optimize safety, liquidity, compliance, and yield while maintaining insurance-aware allocation across participating institutions.

Released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+), Soluna Finance OS is designed to provide an open foundation for financial institutions, fintech platforms, researchers, and developers building modern insured liquidity infrastructure.

Specification

Design Goals

Financial institution abstraction
Insurance-first architecture
AI-assisted financial orchestration
Continuous identity verification
Cryptographic security
Explainable decision making
Modular architecture
Open API interoperability
Vendor-neutral implementation
Open standards
Extensible plugin ecosystem

Core Modules

Account Abstraction Module

Provides a unified financial model independent of individual banking institutions.

Features

Insured Vault Units (IVUs)
Multi-institution vault management
Vault routing engine
Deposit abstraction
Withdrawal abstraction
Ownership category optimization
Liquidity preservation
Unified balance model
Cross-institution account virtualization

Deposit Orchestration Module

Coordinates deposits across participating institutions.

Features

Automated deposit allocation
Insurance-aware distribution
Continuous rebalancing
Institution routing
Settlement coordination
Interest-aware allocation
Balance synchronization
Cross-bank reconciliation
Allocation lifecycle management

Insurance Compliance Module

Maintains continuous insurance compliance.

Features

FDIC monitoring
NCUA monitoring
SIPC monitoring
Coverage calculations
Insurance exposure tracking
Automatic threshold enforcement
Interest growth monitoring
Compliance reporting
Coverage optimization

AI Intelligence Module

Provides intelligent financial orchestration.

Features

Multi-agent reasoning system
Financial Intent Model
Consensus decision engine
Scenario simulation engine
Explainable AI
Allocation optimization
Natural language financial assistant
Policy-constrained AI
Recommendation engine

AI Agents

Risk Agent
Yield Agent
Compliance Agent
Liquidity Agent

Identity Module

Provides continuous trust validation.

Features

Know Your Customer (KYC)
Continuous Identity Confidence Score (CICS)
Annual liveness verification
Identity graph management
Behavioral analysis
Identity recovery
Delegated identity support
Household identity management
Trust account identity support

Security Module

Protects users, institutions, and financial data.

Features

End-to-end encryption
Client-side encryption
Secure key management
Allocation signing
Immutable audit logs
Device verification
Session integrity
Cryptographic verification
Tamper detection

Fraud Resistance Module

Protects the financial network.

Features

Identity fragmentation detection
Synthetic identity detection
Withdrawal anomaly detection
Behavioral drift monitoring
Identity graph risk analysis
Transaction safeguards
Allocation verification
Risk scoring
Fraud analytics

Financial Ledger Module

Maintains system state.

Features

Immutable ledger
Allocation history
Transaction history
Interest tracking
Vault history
Institution reconciliation
Audit logging
Financial reporting
Allocation verification

Banking Integration Module

Provides interoperability with financial institutions.

Features

Standard banking API
Institution adapters
Deposit APIs
Withdrawal APIs
Balance synchronization
Interest reporting
Routing abstraction
Settlement integration
Health monitoring

Governance Module

Coordinates protocol behavior.

Features

Policy management
AI constraints
Compliance policies
Protocol configuration
Rule engine
Version management
Administrative controls
System auditing

Optional Plugin Modules

The Soluna Finance OS architecture is designed around a modular plugin ecosystem. Financial institutions may deploy only the capabilities they require while maintaining interoperability with the core protocol.

Treasury Management Plugin

Treasury operations
Cash forecasting
Capital planning
Reserve management
Liquidity forecasting

Wealth Management Plugin

High-net-worth portfolios
Advisor workspaces
Family office management
Trust management
Long-term allocation planning

Retirement Planning Plugin

Retirement income modeling
Distribution planning
Longevity simulations
Withdrawal optimization

Tax Intelligence Plugin

Interest tax estimation
Tax reporting
Tax-aware allocation
Year-end summaries

Business Banking Plugin

Commercial treasury
Business vaults
Payroll liquidity
Corporate cash management
Multi-entity support

Institutional Operations Plugin

Internal treasury routing
Branch management
Institutional liquidity coordination
Enterprise reporting

International Insurance Plugin

Country-specific insurance systems
Regional banking support
Currency-aware allocation
International compliance

Analytics Plugin

Performance dashboards
Historical trends
Allocation analytics
Institution comparisons
AI performance reporting

Notification Plugin

Email notifications
SMS notifications
Push notifications
Compliance alerts
Allocation alerts
Security notifications

Workflow Automation Plugin

Approval workflows
Policy automation
Operational workflows
Task routing
Administrative automation

Document Management Plugin

Secure document storage
Compliance documentation
Identity records
Digital signatures
Audit packages

Reporting Plugin

Financial reports
Compliance reports
Insurance reports
Executive dashboards
Regulatory exports

Open API Plugin

REST API
GraphQL API
Webhooks
Event streaming
SDK support

Third-Party AI Plugin

Support for external AI providers while preserving protocol constraints.

Examples:

Custom reasoning models
Institution-specific AI
Compliance assistants
Financial forecasting models

Digital Asset Research Plugin

Experimental support for tokenized financial infrastructure and programmable settlement environments where permitted by participating institutions and applicable regulations.

Specification Branding License (SBL)

Standard

Fully AGPL-3.0+ compliant system
Copyleft enforced for network deployments
Required attribution:
- Roxanne Ardary
- https://www.roxanneardary.com/

Optional

Specification Branding License (SBL)
- Attribution-free commercial deployment
- Pricing based on scale, usage, and deployment scope
- https://roxanneardary.com/soluna-finance-os/

License & Notice Requirements

Soluna Finance OS is released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).

By contributing to any Open Arsenal project, you agree that your contributions will also be released under this license.

Please note the following:

All contributions must comply with the AGPL-3.0+ terms.
Under Section 7 of the license, all redistributions, forks, and derivative works must preserve attribution to:
Roxanne Ardary and roxanneardary.com.
Soluna Finance OS specifications are free to use with attribution. A Specification Branding License can be negotiated upon request.
The project’s notice.md file tracks attribution requirements and contributor acknowledgments.
Any update that adds new contributors or modifies attribution should also update notice.md.
When submitting a pull request, ensure that any new files maintain the attribution headers where applicable.
Network-deployed versions of this software must also remain fully AGPL-3.0+ compliant, including exposure of source code modifications when applicable under the license.

For full legal details, please refer to the AGPL-3.0+ license and the project’s notice.md file.

Notice – Soluna Finance OS

Attribution Requirement: Under Section 7 of the AGPL 3.0+ license, all redistributions, forks, and derivative works, including network-deployed versions of this project, must provide attribution to Roxanne Ardary and roxanneardary.com.

Contributors

This file tracks contributors and their specific contributions to the project.

Roxanne Ardary, roxanneardary.com – May 22, 2026
Created the repository for Soluna Finance OS. Designed and architected the core protocol, including the account abstraction layer, AI-driven financial orchestration system, and insured liquidity framework.
[Add other contributors here] – [Date]
[Describe contribution in one sentence]

License – Soluna Finance OS

This repository is licensed under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).

Key Points

You are free to use, modify, and distribute the code.
All redistributions, forks, and derivative works or network-deployed versions must also be licensed under AGPL-3.0+ and provide attribution to Roxanne Ardary and roxanneardary.com as required under Section 7 of the license.
The software is provided “as is,” without warranty of any kind.

For the full license text, see GNU AGPL-3.0 License: https://www.gnu.org/licenses/agpl-3.0.html