CHLOM™ Smart Personal, Family, Trust & Estate Sovereign Wealth Fund (S-PFTESWF) Whitepaper

Version 1.5 | CrownThrive LLC (Full IP Ownership) Tagline: “Legacy meets logic — wealth that thinks beyond a lifetime.”

Audience & Scope

The Smart Personal, Family, Trust & Estate Sovereign Wealth Fund (S-PFTESWF) represents the most human-centered layer of CHLOM’s financial architecture. It merges AI-governed wealth preservation, programmable inheritance, and decentralized fiduciary management into a single trustless protocol designed for individuals, families, and private estates.

This fund transforms personal and generational wealth into a living, self-auditing digital trust, ensuring long-term stability, compliance, and transparent execution of a person’s or family’s wishes.

It integrates seamlessly with:

• ACE (Adaptive Compliance Engine) → jurisdictional and tax validation
• DAL (Decentralized Attestation Layer) → immutable proof of trust documents and transfers
• Treasury Engine → storage and yield management
• DLA (Decentralized Licensing Authority) → certification and fiduciary licensing
• S-CaaS (Smart Compliance-as-a-Service) → legal adaptation and policy refresh
• AIE (Anomaly Intelligence Engine) → predictive forecasting for asset and risk management
• STSP (Timelock Scheduler) → controlled, verifiable inheritance and disbursement windows
• Estate DAO (E-DAO) → programmable estate governance layer

0 · Introduction

“Your will is not a document — it’s a protocol.”

The CHLOM™ S-PFTESWF redefines personal wealth management by encoding estate law, trust administration, and inheritance into immutable, self-executing smart contracts. It brings fiduciary precision to personal legacy planning, removing human error, corruption, and delay through a transparent, programmable fiduciary framework.

The system is suitable for:

• Individuals seeking digital or hybrid trusts
• Families managing intergenerational wealth
• Private estates or investment holdings
• Legal custodians and executors of wills
• High-net-worth individuals desiring automated compliance and asset transfer

1 · Design Principles

1. Programmable Legacy: Every will, trust, or family fund executes automatically under rule-bound smart contracts.
2. Proof-of-Ownership: DAL attestations ensure permanent records of title, inheritance, and settlement.
3. Compliance by Design: ACE enforces tax and estate laws without manual intervention.
4. AI-Based Forecasting: AIE ensures sustainable disbursement, investment, and market protection.
5. ZK Privacy: Beneficiary data remains private, while outcomes remain publicly provable.
6. Timelocked Justice: STSP prevents premature inheritance, ensuring compliance with trust law.

2 · Architecture Overview

+----------------------------------------------------------------+
|   CHLOM Smart Personal, Family, Trust & Estate SWF (S-PFTESWF) |
+----------------------------------------------------------------+
|  Core Modules                                                  |
|   - Personal Trust Engine (PTE)                                |
|   - Family Capital Aggregator (FCA)                            |
|   - Estate Governance Hub (E-DAO)                              |
|   - AI Risk & Yield Forecaster (AIE)                           |
|   - DAL Attestation Bridge                                     |
|   - Timelocked Beneficiary Scheduler (STSP)                    |
|   - Treasury Compliance Router                                 |
|   - Legal Policy Sync (S-CaaS + ACE)                           |
+----------------------------------------------------------------+
        ^                 ^                ^               ^
        |                 |                |               |
       ACE               DAL             Treasury        AIE
        |                 |                |               |
        +---------------> S-CaaS + Oracles <--------------+

3 · Core Data Structures

pub type TrustId = Hash;
pub type Did = BoundedVec<u8, ConstU32<64>>;
pub type RegionCode = [u8; 2];
pub type BasisPoints = u16;

#[derive(Encode, Decode, Clone, PartialEq, Eq)]
pub enum TrustType {
    Personal,
    Family,
    Estate,
    Foundation,
}

#[derive(Encode, Decode, Clone, PartialEq, Eq)]
pub struct SmartTrust<Moment> {
    pub id: TrustId,
    pub creator_did: Did,
    pub trust_type: TrustType,
    pub region: RegionCode,
    pub total_capital: u128,
    pub yield_rate_bps: BasisPoints,
    pub compliant: bool,
    pub created_at: Moment,
    pub beneficiaries: Vec<Did>,
}

4 · Storage Layout

Trusts<T>: Map<TrustId → SmartTrust<T::Moment>>
BeneficiaryAllocations<T>: DoubleMap<TrustId, Did → u128>
DisbursementSchedule<T>: DoubleMap<TrustId, Did → T::Moment>
ComplianceStatus<T>: Map<TrustId → bool>
TrustHistory<T>: Map<TrustId → Vec<Hash>>
GlobalPFTESWFVersion<T>: u64

5 · Config Trait

#[pallet::config]
pub trait Config: frame_system::Config {
    type RuntimeEvent: From<Event<Self>> + IsType<<Self as frame_system::Config>::RuntimeEvent>;
    type Moment: AtLeast32BitUnsigned + Copy;
    type Balance: AtLeast32BitUnsigned + Copy + FixedPointOperand;
    type Treasury: TreasuryInterface<Self>;
    type DAL: DalInterface<Self>;
    type ACE: AceInterface<Self>;
    type DLA: DlaInterface<Self>;
    type AIE: AiEngineInterface<Self>;
    type SCAAS: ComplianceServiceInterface<Self>;
    type STSP: TimeSchedulerInterface<Self>;
    type Oracles: OracleInterface<Self>;
    type WeightInfo: WeightInfo;
}

6 · Extrinsics

#[pallet::call]
impl<T: Config> Pallet<T> {
    pub fn register_trust(origin, trust: SmartTrust<T::Moment>) → DispatchResult;
    pub fn add_beneficiary(origin, trust_id: TrustId, beneficiary: Did, share_bps: BasisPoints) → DispatchResult;
    pub fn schedule_disbursement(origin, trust_id: TrustId, beneficiary: Did, unlock_at: T::Moment) → DispatchResult;
    pub fn audit_compliance(origin, trust_id: TrustId) → DispatchResult;
    pub fn execute_disbursement(origin, trust_id: TrustId) → DispatchResult;
}

7 · Events and Errors

Event:
  TrustRegistered(TrustId, TrustType)
  BeneficiaryAdded(TrustId, Did)
  DisbursementScheduled(TrustId, Did, Moment)
  ComplianceAudited(TrustId, bool)
  DisbursementExecuted(TrustId, u128)
  DALProofAnchored(TrustId, Hash)

Error:
  TrustNotFound
  NonCompliant
  Unauthorized
  InvalidBeneficiary
  DALProofFailed
  STSPLockActive

8 · Compliance Verification

fn audit_compliance(trust_id: TrustId) → DispatchResult {
    let mut trust = Trusts::<T>::get(&trust_id).ok_or(Error::<T>::TrustNotFound)?;
    let region_ok = T::ACE::verify_policy(trust.region);
    let licensed = T::DLA::verify_license(trust.creator_did.clone());
    ensure!(region_ok && licensed, Error::<T>::NonCompliant);

    trust.compliant = true;
    Trusts::<T>::insert(&trust_id, trust.clone());
    T::DAL::attest_trust_audit(trust_id);
    Self::deposit_event(Event::ComplianceAudited(trust_id, true));
    Ok(())
}

9 · AI Estate Forecasting

AIE continuously models the fund’s sustainability and inheritance viability:

• Detects yield exhaustion or unsustainable burn rates
• Predicts market downturn impacts on estate value
• Reallocates assets through SCE for long-term stability
• Rebalances disbursement ratios for multi-decade execution

Outputs logged as Estate Forecast Proofs (EFPs) in DAL.

10 · Timelocked Inheritance Scheduler (STSP)

Each beneficiary’s access is bound by programmable time windows and conditional clauses:

STSP::schedule_task(
    TaskType::InheritanceRelease,
    trust_id.clone(),
    unlock_at,
    None,
    b"Scheduled Trust Disbursement".to_vec()
);

Funds are released only after:

1. Timelock expiry
2. DAL verification of beneficiary status
3. ACE compliance check for jurisdictional inheritance laws

This enforces automated probate and succession under smart contract logic.

11 · Treasury & Yield Integration

All capital events create DAL Financial Proofs (DFPs) for legal recognition.

12 · Governance (Estate DAO – E-DAO)

The E-DAO automates fiduciary responsibilities:

All E-DAO votes and rulings are written to DAL as Estate Governance Proofs (EGPs).

13 · Security & Privacy Model

14 · Example Estate Cycle

Scenario: A parent establishes a digital trust for their family with multi-generational sustainability.

1. Trust registered under
2. ACE validates inheritance rules for jurisdiction
3. Treasury vaults created; funds yield through SCE.
4. STSP timelocks disbursements:
5. DAL anchors each proof and timestamp.
6. AIE models yield over 40 years for stability.
7. Upon maturity, STSP triggers release, DAL attests payout, and Treasury executes.

The trust never “expires” — it evolves, audits, and preserves value perpetually.

15 · ASCII Diagram

Creator / Family Office
        |
        v
  Smart PFTESWF Engine
        |
  +--> ACE Compliance Check
  +--> DLA Trust Licensing
  +--> Treasury Vault Routing
  +--> DAL Proof Anchoring
  +--> AIE Forecasting
  +--> STSP Inheritance Locks
  +--> E-DAO Governance

16 · Performance Metrics

Throughput: ~12,000 trust actions per block Audit finality: <8 seconds AIE refresh cycle: 24 hours

17 · Roadmap

18 · Closing Statement

The CHLOM™ Smart Personal, Family, Trust & Estate Sovereign Wealth Fund redefines legacy. It transforms the fragile, paper-based systems of wills, trusts, and estates into living, self-verifying smart assets — capable of operating autonomously for decades or centuries.

Each trust becomes a sovereign micro-economy of its own, where AI ensures continuity, DAL guarantees proof, and Treasury enforces integrity. Your legacy ceases to be an idea — it becomes a self-executing lineage.

“What you build should not die when you do.”

Prepared for: CrownThrive LLC | CHLOM Framework R&D Version: 1.5 — Smart Personal, Family, Trust & Estate Sovereign Wealth Fund (S-PFTESWF) Whitepaper Classification: Public Technical Disclosure (Pending Patent Filing) All Rights Reserved © CrownThrive LLC

End of Document — CHLOM™ Smart Personal, Family, Trust & Estate Sovereign Wealth Fund (S-PFTESWF) Whitepaper (Full Edition)