Architecture - Tozzecard

Repository

Path	What	Owner
`apps/web`	Cardholder app at app.tozzecard.xyz (Next.js 16, React 19)	Axel
`apps/landing`	Site at tozzecard.xyz	Axel
`apps/docs`	These docs (Mintlify)	Kiel, Axel
`apps/api`	Market hours, close reference, forecaster, refill and rebalance scheduler, decision log, cards, Didit, demo merchant (Bun + Hono, SQLite)	Kiel
`packages/agent`	Drives the Agentic Wallet through `baw`: quote, swap, send, rebalance	Fajar
`packages/binance`	Binance Web3 API client (HMAC signing) and EIP-3009 helpers	Kiel

API modules

File	Does
`market.ts`	Polls Binance every minute; keeps the per-share close reference; computes the spread
`calendar.ts`	New York regular session, 9:30–16:00, minus 2026 holidays
`forecast.ts`	Weekday/weekend spending average over 28 days
`refill.ts`	Pure function: refill now, how much, which stock, and why
`scheduler.ts`	Runs the plan each tick; executes in live mode; daily rebalance; logs decisions
`card.ts`	Sign-in challenges, sessions, card face
`kyc.ts`	Didit sessions and the signed webhook
`strategy.ts`	Target weights and weekly spend
`merchant.ts`	Demo merchant on B402
`openapi.ts`	The OpenAPI 3.1 spec behind the API reference

A refill, end to end

market.ts polls prices and market status from the RWA Data API.
scheduler.ts reads the card’s USD1 balance from the chain and the agent wallet’s holdings.
forecast.ts and refill.ts decide; the decision is logged.
In live mode, packages/agent checks the session and Developer Mode, then baw market-order swap sells the stock (via USDT for Ondo) and baw wallet send sends USD1 to the card.
The transaction hashes are saved on the decision.

Choices

No contracts of our own. Custody, the send limit, swaps and gasless payments are all Binance’s, BNB Chain’s or the issuer’s.
No smart account. The card is a plain EOA; B402 makes it gasless.
One agent, one card. baw is a CLI with one session per wallet and no HTTP API, so the hosted agent serves one card.