How it works

Deterministic intent, enforced by the ledger.

Quadra works by defining intent before execution and enforcing it through the ledger until settlement is verified.

Instead of recording transactions as events and explaining them later, Quadra treats every movement of money as an obligation that must be fulfilled, tracked, and closed with evidence.

1

Intent is defined upfront

Every transaction in Quadra begins as a deterministic intent.

An intent specifies:

The amount and currency
The payment rail involved
Expected settlement behavior
External dependencies
What evidence completes the obligation

This definition is complete before money moves.
There is no ambiguity about what the system expects to happen.

2

Execution is observed, not assumed

Once intent is created, execution occurs.

Money moves through internal systems while settlement progresses asynchronously across banks and payment rails. Quadra records internal effects, but does not assume settlement has occurred until evidence arrives.

Execution and settlement are treated as separate phases by design.

3

Evidence is evaluated against intent

Quadra ingests external data as evidence, not truth.

This includes:

Bank postings
Rail confirmations
Batch files
Reconciliation reports

Each piece of evidence is evaluated deterministically against the intent’s closure conditions.

Matching is not heuristic.
Verification is explicit.

4

Intent closes deterministically

An intent closes only when the correct evidence satisfies the obligation.

If evidence is:

Late → the intent remains open with a known reason
Partial → the remaining obligation is tracked
Incorrect → the intent fails explicitly

Nothing is inferred.
Nothing is silently adjusted.

Settlement becomes a state.

5

Balances are derived, not primary

In Quadra, balances are outcomes of closed and in-flight intent.

Because every open obligation is known, the system can always explain:

Why a balance is what it is
What portion is settled
What portion is still in flight

Point-in-time correctness is provable without reconstruction.

6

What changes in practice

This model removes entire classes of operational work.

Operations teams no longer investigate mismatches.

They manage a small set of open obligations, each with:

A clear cause
An owner
A next action

Reconciliation is unnecessary because the system already knows what it is waiting for.

7

Designed for real money movement

Quadra’s model applies across:

Card authorization, clearing, and settlement
ACH and batch rails
Instant payment systems
Sponsor bank and omnibus accounts

Delayed, partial, and fee-adjusted settlement is expected, not exceptional.

8

Provable correctness

Quadra enforces invariants such as:

No settlement without an originating intent
No closed intent without evidence
All balance deltas are explainable by open obligations

At any moment, Quadra can answer:

What is settled
What is in flight
Why a delta exists
When will it converge

No event replay.
No spreadsheets.