CHLOM™ Smart Small Business Sovereign Wealth Fund (S-SBSWF) Whitepaper

Version 1.5 | CrownThrive LLC (Full IP Ownership) Tagline: “Local capital, global intelligence — wealth that builds from the ground up.”

Audience & Scope

The Smart Small Business Sovereign Wealth Fund (S-SBSWF) extends the CHLOM™ Sovereign Wealth architecture into the micro- and SME economy. It is a community-scale liquidity and reserve system designed to let small enterprises, cooperatives, and independent creators pool assets, earn yield, and reinvest profits automatically through the Smart Capital Engine (SCE), Smart DeFi Engine (SDE), and Smart Tax Engine (STE).

S-SBSWF combines compliance automation, AI forecasting, and decentralized attestation so that neighborhood-sized economies can operate with the same transparency and efficiency as national funds — without bureaucratic overhead.

It integrates with:

• SCE (Smart Capital Engine) – liquidity allocation & rebalancing
• ACE (Adaptive Compliance Engine) – jurisdictional checks
• DAL (Decentralized Attestation Layer) – proof of capital and audit logs
• S-CaaS (Smart Compliance-as-a-Service) – regulatory sync for small-business zones
• AIE (Anomaly Intelligence Engine) – AI forecasting and fraud monitoring
• STSP (Timelock Scheduler) – performance and release windows
• Local DAO (L-DAO) – community governance for fund decisions

0 · Introduction

“Community wealth doesn’t need a minister — it needs math.”

The Smart Small Business Sovereign Wealth Fund gives micro-enterprises, shops, and local producers a shared financial backbone that grows with their output. It turns collective revenue into a living reserve that earns, audits, and distributes value automatically — anchoring small-business ecosystems in transparent, data-driven economics.

1 · Design Principles

1. Collective Autonomy – Local ownership, global infrastructure.
2. Proof-Based Trust – Every deposit and distribution anchored in DAL.
3. Compliance for All – ACE and S-CaaS handle jurisdictional and tax rules.
4. AI-Informed Growth – AIE predicts market and sector trends for fund rebalancing.
5. Yield with Purpose – Profits routed into local reinvestment and sustainability.
6. ZK Privacy – Financial fairness without exposing personal data.

2 · Architecture Overview

+----------------------------------------------------------------+
|     CHLOM Smart Small Business Sovereign Wealth Fund (S-SBSWF) |
+----------------------------------------------------------------+
|  Core Modules                                                  |
|   - Local Reserve Engine (LRE)                                 |
|   - AI Micro-Market Model (AIE)                                |
|   - ACE Compliance Bridge                                      |
|   - DAL Proof and Receipt Registry                             |
|   - Treasury & Reward Router                                   |
|   - Community DAO Interface (L-DAO)                            |
|   - STSP Timelock & SLA Hooks                                 |
+----------------------------------------------------------------+
        ^               ^                ^              ^
        |               |                |              |
       ACE             DAL             Treasury       AIE
        |               |                |              |
        +-------------> S-CaaS + Oracles <-------------+

3 · Core Data Structures

pub type FundId = 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 BusinessTier {
    Micro,      // <$500k revenue
    Small,      // $500k–$10M
    Cooperative // Shared ownership
}

#[derive(Encode, Decode, Clone, PartialEq, Eq)]
pub struct SmallBizFund<Moment> {
    pub id: FundId,
    pub manager_did: Did,
    pub tier: BusinessTier,
    pub region: RegionCode,
    pub total_capital: u128,
    pub deployed_capital: u128,
    pub yield_rate_bps: BasisPoints,
    pub compliant: bool,
    pub created_at: Moment,
}

4 · Storage Layout

Funds<T>: Map<FundId → SmallBizFund<T::Moment>>
Allocations<T>: DoubleMap<FundId, AssetClass → u128>
BizScores<T>: Map<FundId → u8> // ACE risk rating
FundProofs<T>: Map<Hash → FundId>
LocalRoutes<T>: Map<RegionCode → AccountId>
CommunityLedger<T>: Map<FundId → Vec<Hash>>
GlobalSBSWFVersion<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 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_fund(origin, fund: SmallBizFund<T::Moment>) → DispatchResult;
    pub fn deposit(origin, fund_id: FundId, amount: u128) → DispatchResult;
    pub fn withdraw(origin, fund_id: FundId, amount: u128) → DispatchResult;
    pub fn audit_compliance(origin, fund_id: FundId) → DispatchResult;
    pub fn community_vote(origin, fund_id: FundId, proposal: Vec<u8>) → DispatchResult;
}

7 · Events and Errors

Event:
  FundRegistered(FundId, BusinessTier)
  DepositMade(FundId, AccountId, u128)
  Withdrawal(FundId, AccountId, u128)
  ComplianceAudited(FundId, bool)
  CommunityVoted(FundId, Hash)
  DALProofAnchored(FundId, Hash)

Error:
  FundNotFound
  NonCompliant
  InsufficientFunds
  NotAuthorized
  DALProofFailed

8 · Compliance Logic

fn audit_compliance(fund_id: FundId) → DispatchResult {
    let mut fund = Funds::<T>::get(&fund_id).ok_or(Error::<T>::FundNotFound)?;
    let region_ok = T::ACE::verify_policy(fund.region);
    let risk = T::ACE::calculate_risk(fund.manager_did.clone(), fund.region);
    ensure!(region_ok && risk < 80, Error::<T>::NonCompliant);

    fund.compliant = true;
    BizScores::<T>::insert(&fund_id, risk);
    Funds::<T>::insert(&fund_id, fund.clone());
    T::DAL::attest_smallbiz_audit(fund_id, risk);
    Self::deposit_event(Event::ComplianceAudited(fund_id, true));
    Ok(())
}

9 · Community DAO Governance

Local businesses govern their fund through an L-DAO (Local DAO):

• Each verified participant holds a tokenized vote (1 vote per proof-of-contribution).
• Proposals include fund disbursements, marketing budgets, micro-grants.
• Voting outcomes timelocked via STSP for audit appeals.

All votes recorded as Community Governance Proofs (CGPs) in DAL.

10 · AI & Market Forecasts

AIE models:

• Local demand fluctuations by sector
• Seasonal revenue curves
• Credit risk vs geographic trend
• Yield optimizations across micro pools

Outputs feed ACE and Treasury for dynamic capital routing between funds. Forecasts anchored as Microeconomic Proofs (MEPs) in DAL.

11 · Treasury Integration

12 · SLA & Timelock Controls

13 · Security Model

14 · Example Cycle

Scenario: A group of barbershops and cafés form a local fund to share marketing resources.

1. Fund registered via
2. ACE verifies regional policy and licenses.
3. Businesses deposit monthly shares into Treasury vault.
4. AIE predicts seasonal foot-traffic surges and suggests capital allocation for ads.
5. L-DAO votes to release $12 000 marketing budget.
6. STSP timelock (48 h) for audit review.
7. Treasury executes payout → DAL anchors receipt proof.
8. End of quarter: SYFP distributes shared yield to contributors.

15 · ASCII Diagram

Local Businesses / Co-op
      |
      v
  Smart SBSWF Engine
      |
  +--> ACE Compliance Check
  +--> Treasury Escrow
  +--> DAL Proof Anchor
  +--> AIE Forecast Feed
  +--> L-DAO Vote → STSP Execution

16 · Performance Metrics

Throughput ≈ 25 000 transactions per block Audit finality < 6 seconds AI forecast refresh every hour

17 · Roadmap

18 · Closing Statement

The CHLOM™ Smart Small Business Sovereign Wealth Fund equips entrepreneurs with an engine once reserved for nations. It automates savings, investment, and accountability — transforming local commerce into a self-governing, transparent micro-economy. From Main Street to metaverse markets, S-SBSWF ensures small business growth remains profitable, sustainable, and verifiably compliant.

“When small businesses unite their data, they become their own sovereign economy.”

Prepared for: CrownThrive LLC | CHLOM Framework R&D Version: 1.5 — Smart Small Business Sovereign Wealth Fund Whitepaper Classification: Public Technical Disclosure (Pending Patent Filing) All Rights Reserved © CrownThrive LLC

End of Document — CHLOM™ Smart Small Business Sovereign Wealth Fund (S-SBSWF) Whitepaper (Full Edition)