True Economics Modules

Qazna is designed not just as a static ledger, but as a Programmable Financial Operating System. The "True Economics" modules demonstrate this capability by enabling advanced monetary policies that are impossible in traditional banking.

1. Smart Tax (Middleware)

Traditional taxes are calculated post-factum. Qazna's Smart Tax is a middleware that enforces tax logic atomically within the transaction itself.

• Mechanism: A ComplianceRule intercepts the transaction request.
• Logic: It calculates the tax amount (e.g., 1% Tithe) and inserts a new movement (Sender -> Tax Account) into the transaction.
• Result: The tax is paid instantly and guaranteed by the atomic execution of the ledger.

2. Lazy Demurrage (Negative Interest)

Demurrage is a cost associated with holding currency, encouraging circulation. Implementing this typically requires a cron job scanning all accounts (expensive!).

• Mechanism: Lazy Evaluation.
• Logic: The ledger stores last_activity_at for every account. When an account attempts a transaction, the DemurrageRule calculates the fees accrued since the last activity and deducts them first.
• Result: High performance, zero background overhead, mathematically precise decay.

3. Glass Bank (Transparency)

Radical transparency for public funds (State Treasury, Charities, NGOs).

• Feature: is_public flag on Accounts.
• API: GET /public/trace/{id}.
• Privacy: Default is Private (false). Only specific accounts are toggled to Public by governance.
• Audit: The change of visibility status is itself an immutable event in the ledger log.

4. Reputation Indexer (Trust Score)

"Reputation over Collateral". Trust should be quantifiable based on economic activity, not just credit reports.

• Architecture: External Microservice (Go).
• Integration: Connects to the Core Ledger via gRPC Streaming.
• Logic:
  • Listens to the real-time stream of all transactions.
  • Builds a graph of economic relationships (who pays whom).
  • Calculates a PageRank-like Trust Score.
• Usage: Lenders can query GET /reputation/{id} to make instant, data-driven credit decisions without exposing private transaction history.