Universal IT covering · any licensed kitchen · no named bank · SC-VAU
The digital handoff · SideCar beside the core, never inside it
We do not see their ledger. We do not write their ledger. PIN never enters our RAM. Last-four only. Speech is not a debit.
We are SC-VAU — a Verification Attestation Utility. We mirror, we reflect, we illuminate, we verify, we attest, we flush. They hold the money. They move it. They steer it. They clear it.
Column 1 · The drop-off
0-DRRU Attestation Utility
Rural intent held briefly in working RAM. Not a payment instruction. Not a PIN.
PHONE · last-four only · HOME0045
AMOUNT · ₦2,500
BENEFICIARY · last-four only
PIN · never here · never seen · never stored
→ Secure API POST · encrypted intent handoff · unauthenticated speech · not a debit
Licensed bank wall
Column 2 · The kitchen
Licensed Bank IT Infrastructure
Three processes entirely inside their wall. Their customer. Their book. Their NIP.
1 · Internal PIN verificationThey verify their own PIN on their own rail. SideCar is not on this call.
2 · Core ledger debitTheir CBS posts. We do not see that book. We do not write that book.
3 · NIP switch transferNIBSS 100%. We do not sit inside NIP.
← Read-only webhook ping · success confirmation · after their post
Column 3 · The ticket
Stateless resolution
Only after the success ping. Four fields. Measured local attest.
≤ 12.3 ms cryptographic hashtip · waiting for their ping
Dialect cost0.000 ms · not on this path
120-second complete RAM flush · no data warehoused
The SideCar never queries the core database and never writes it. It delivers the intent via API endpoint (no PIN), waits for the webhook success ping, stamps the ticket, and empties the glass. Two sittings of 120 seconds. Thereafter write hq@snivai.net (research desk kept).