原生支付引擎

type PaymentTransaction struct {
    From        string          // 支付方地址
    To          string          // 收款方地址  
    Amount      *big.Int        // 支付金额
    Currency    string          // 币种 (USDT/USDC)
    PaymentID   string          // 订单ID (必填)
    OrderInfo   OrderInfo       // 订单详情
    KYCProof    *KYCProof       // KYC证明
    ExpiredAt   uint64          // 过期时间
}

原生KYC系统

• 分层KYC: 根据交易金额和风险自动判断KYC等级
• 地址映射: 链上地址到现实身份的安全映射
• 零知识证明: 隐私保护的身份验证
• 实时监控: 24/7自动化合规监控

跨链流动性管理

• 多链桥接: 支持主流区块链资产
• 自动平衡: 智能流动性分配算法
• 安全保障: 多签+时间锁机制

复杂支付逻辑智能合约

// 复杂支付逻辑智能合约
contract AdvancedPayments {
    // 托管支付
    function createEscrow(
        address payee, 
        address arbiter, 
        uint256 deadline
    ) external payable;
    
    // 分期支付  
    function createInstallmentPlan(
        address payee, 
        uint256 totalAmount, 
        uint256 installments
    ) external;
    
    // 订阅支付
    function createSubscription(
        address merchant, 
        uint256 amount, 
        uint256 frequency
    ) external;
    
    // 条件支付
    function conditionalPayment(
        address payee, 
        uint256 amount, 
        bytes32 condition
    ) external;
}

DeFi协议集成

• 支付即挖矿: 支付获得代币奖励
• 流动性挖矿: 为流动性池提供奖励
• 闪电贷支付: 利用套利机会的支付方式
• 收益优化: 自动将闲置资金投入DeFi协议

核心实现

type EVMChainAdapter struct {
    ChainConfig    *EVMChainConfig
    RPCClient      *ethclient.Client
    TokenRegistry  *TokenRegistry
    GasEstimator   *EVMGasEstimator
}

func (adapter *EVMChainAdapter) ProcessPayment(
    paymentRequest *UniversalPaymentRequest,
) (*PaymentResult, error) {
    
    // 1. 解析支付请求
    fromAddress := common.HexToAddress(
        paymentRequest.From)
    toAddress := common.HexToAddress(
        paymentRequest.To)
    
    // 2. 获取代币合约信息
    tokenContract, err := adapter.TokenRegistry.
        GetTokenContract(
            paymentRequest.Currency,
            adapter.ChainConfig.ChainID,
        )
    if err != nil {
        return nil, fmt.Errorf(
            "unsupported token: %w", err)
    }
    
    // 3. 构建交易
    var txData []byte
    var txValue *big.Int
    
    if tokenContract.IsNative {
        // 原生币转账
        txValue = paymentRequest.Amount
        txData = []byte{}
    } else {
        // ERC-20代币转账
        erc20ABI, _ := abi.JSON(
            strings.NewReader(ERC20ABI))
        txData, _ = erc20ABI.Pack(
            "transfer", toAddress, 
            paymentRequest.Amount)
        txValue = big.NewInt(0)
    }
    
    // 4. 估算Gas费用
    gasLimit, gasPrice, err := 
        adapter.GasEstimator.EstimateGas(
            &GasEstimateRequest{
                From:     fromAddress,
                To:       toAddress,
                Value:    txValue,
                Data:     txData,
                Currency: paymentRequest.Currency,
            })
    
    // 5. 构建标准化交易响应
    return &PaymentResult{
        ChainID:      adapter.ChainConfig.ChainID,
        ChainName:    adapter.ChainConfig.Name,
        TransactionData: &TransactionData{
            To:       toAddress.Hex(),
            Value:    txValue.String(),
            Data:     hexutil.Encode(txData),
            GasLimit: gasLimit,
            GasPrice: gasPrice.String(),
        },
        EstimatedFee: new(big.Int).Mul(
            big.NewInt(int64(gasLimit)), 
            gasPrice),
        PaymentID:    paymentRequest.PaymentID,
    }, nil
}

核心实现

type SolanaChainAdapter struct {
    RPCClient     *rpc.Client
    TokenRegistry *SolanaTokenRegistry
    FeeCalculator *SolanaFeeCalculator
}

func (adapter *SolanaChainAdapter) ProcessPayment(
    paymentRequest *UniversalPaymentRequest,
) (*PaymentResult, error) {
    
    // 1. 地址转换
    fromPubkey := solana.MustPublicKeyFromBase58(
        paymentRequest.From)
    toPubkey := solana.MustPublicKeyFromBase58(
        paymentRequest.To)
    
    // 2. 构建Solana交易
    var instructions []solana.Instruction
    
    if paymentRequest.Currency == "SOL" {
        // SOL转账
        instruction := system.NewTransferInstruction(
            paymentRequest.Amount.Uint64(),
            fromPubkey,
            toPubkey,
        ).Build()
        instructions = append(instructions, instruction)
    } else {
        // SPL Token转账
        mintPubkey := adapter.TokenRegistry.
            GetMintAddress(paymentRequest.Currency)
        
        // 获取或创建关联代币账户
        fromATA, _ := solana.FindAssociatedTokenAddress(
            fromPubkey, mintPubkey)
        toATA, _ := solana.FindAssociatedTokenAddress(
            toPubkey, mintPubkey)
        
        // 转账指令
        transferInstruction := token.NewTransferCheckedInstruction(
            paymentRequest.Amount.Uint64(),
            adapter.TokenRegistry.GetDecimals(
                paymentRequest.Currency),
            fromATA,
            mintPubkey,
            toATA,
            fromPubkey,
            []solana.PublicKey{},
        ).Build()
        
        instructions = append(instructions, transferInstruction)
    }
    
    // 3. 获取最新的区块哈希
    recentBlockhash, err := adapter.RPCClient.GetRecentBlockhash(
        context.Background(), "finalized")
    
    // 4. 构建交易
    transaction, err := solana.NewTransaction(
        instructions,
        recentBlockhash.Value.Blockhash,
        solana.TransactionPayer(fromPubkey),
    )
    
    // 5. 计算费用
    fee := adapter.FeeCalculator.
        CalculateTransactionFee(transaction)
    
    return &PaymentResult{
        ChainID:     "Solana",
        ChainName:   "Solana",
        TransactionData: &SolanaTransactionData{
            Transaction:     transaction,
            RecentBlockhash: recentBlockhash.Value.Blockhash,
        },
        EstimatedFee: big.NewInt(int64(fee)),
        PaymentID:    paymentRequest.PaymentID,
    }, nil
}

func (mm *MetaMaskConnector) Connect(
    ctx context.Context,
) (*WalletInfo, error) {
    // 1. 检查MetaMask是否可用
    available, err := mm.JSBridge.Call(
        "ethereum.isMetaMask")
    if err != nil || !available.(bool) {
        return nil, fmt.Errorf(
            "MetaMask not available")
    }
    
    // 2. 请求账户访问
    accountsResult, err := mm.JSBridge.Call(
        "ethereum.request", map[string]interface{}{
            "method": "eth_requestAccounts",
        })
    
    // 3. 获取链ID
    chainIDResult, err := mm.JSBridge.Call(
        "ethereum.request", map[string]interface{}{
            "method": "eth_chainId",
        })
    
    chainID, _ := strconv.ParseUint(
        chainIDResult.(string)[2:], 16, 64)
    mm.ChainID = chainID
    mm.Connected = true
    
    // 4. 设置事件监听
    mm.setupEventListeners()
    
    return &WalletInfo{
        Name:        "MetaMask",
        Version:     mm.getVersion(),
        Accounts:    mm.Accounts,
        ChainID:     mm.ChainID,
    }, nil
}

func (wc *WalletConnectConnector) Connect(
    ctx context.Context,
) (*WalletInfo, error) {
    // 1. 创建WalletConnect客户端
    c, err := client.New(client.Options{
        ProjectID: wc.ProjectID,
        Metadata:  wc.Metadata,
    })
    wc.Client = c
    
    // 2. 创建连接提案
    proposal := &client.ConnectParams{
        RequiredNamespaces: map[string]client.ProposalNamespace{
            "eip155": {
                Methods: []string{
                    "eth_sendTransaction",
                    "eth_signTransaction", 
                    "eth_sign",
                    "personal_sign",
                },
                Chains: []string{
                    "eip155:1",   // Ethereum
                    "eip155:56",  // BSC
                    "eip155:137", // Polygon
                },
                Events: []string{
                    "chainChanged",
                    "accountsChanged",
                },
            },
        },
    }
    
    // 3. 发起连接
    session, err := wc.Client.Connect(ctx, proposal)
    wc.Session = session
    
    // 4. 解析账户信息
    for chainID, namespace := range session.Namespaces {
        for _, account := range namespace.Accounts {
            // 解析账户格式: chainId:address
            parts := strings.Split(account, ":")
            if len(parts) == 2 {
                wc.Accounts = append(wc.Accounts, Account{
                    Address: parts[1],
                    Chain:   chainID,
                })
            }
        }
    }
    
    return &WalletInfo{
        Name:        "WalletConnect",
        Version:     "2.0",
        Accounts:    wc.Accounts,
        ChainID:     wc.ChainID,
        SessionID:   session.Topic,
    }, nil
}

func (upp *UniversalPaymentProcessor) executeDirectPayment(
    request *UniversalPaymentRequest,
    route *OptimizedPaymentRoute,
    response *UniversalPaymentResponse,
) (*UniversalPaymentResponse, error) {
    
    // 1. 获取链适配器
    adapter := upp.ChainAdapters[route.SourceChain]
    if adapter == nil {
        return nil, fmt.Errorf("unsupported chain: %s", 
            route.SourceChain)
    }
    
    // 2. 处理支付
    paymentResult, err := adapter.ProcessPayment(request)
    if err != nil {
        return nil, fmt.Errorf("payment processing failed: %w", 
            err)
    }
    
    // 3. 构建响应
    response.Status = "ready_to_sign"
    response.TransactionData = paymentResult.TransactionData
    response.EstimatedFee = paymentResult.EstimatedFee
    response.Instructions = &PaymentInstructions{
        WalletType: route.PreferredWallet,
        ChainID:    paymentResult.ChainID,
        Steps: []InstructionStep{
            {
                Type:        "sign_transaction",
                Description: "Sign the transaction with your wallet",
                Data:        paymentResult.TransactionData,
            },
        },
    }
    
    return response, nil
}

func (upp *UniversalPaymentProcessor) executeBridgePayment(
    request *UniversalPaymentRequest,
    route *OptimizedPaymentRoute,
    response *UniversalPaymentResponse,
) (*UniversalPaymentResponse, error) {
    
    // 1. 准备跨链桥接
    bridgeRoute, err := upp.CrossChainBridge.PrepareBridge(
        &CrossChainBridgeRequest{
            SourceChain:      route.SourceChain,
            DestinationChain: route.DestinationChain,
            Token:           request.Currency,
            Amount:          request.Amount,
            Recipient:       request.To,
            PaymentID:       request.PaymentID,
        })
    
    // 2. 构建多步骤指令
    response.Status = "multi_step_required"
    response.BridgeRoute = bridgeRoute
    response.Instructions = &PaymentInstructions{
        WalletType: route.PreferredWallet,
        ChainID:    bridgeRoute.SourceChainID,
        Steps: []InstructionStep{
            {
                Type:        "approve_token",
                Description: fmt.Sprintf("Approve %s spending", 
                    request.Currency),
                Data:        bridgeRoute.ApprovalData,
            },
            {
                Type:        "bridge_deposit",
                Description: "Deposit to bridge",
                Data:        bridgeRoute.DepositData,
            },
            {
                Type:        "wait_confirmation",
                Description: "Wait for cross-chain confirmation",
                EstimatedTime: bridgeRoute.EstimatedTime,
            },
            {
                Type:        "final_payment",
                Description: "Complete payment",
                Data:        bridgeRoute.FinalPaymentData,
            },
        },
    }
    
    return response, nil
}

清算流程实现

func (ise *InstantSettlementEngine) ProcessInstantSettlement(
    payment *CrossChainPayment,
) (*SettlementResult, error) {
    
    startTime := time.Now()
    
    // 1. 接收用户支付 (源链)
    sourcePool := ise.ChainPools[payment.SourceChain]
    receiveTx, err := sourcePool.ReceivePayment(&ReceivePaymentRequest{
        From:     payment.FromAddress,
        Amount:   payment.Amount,
        Token:    payment.Token,
        PaymentID: payment.PaymentID,
    })
    if err != nil {
        return nil, fmt.Errorf("payment reception failed: %w", err)
    }
    
    // 2. 实时余额更新
    ise.updatePoolBalances(payment.SourceChain, payment.Token, 
        payment.Amount, true)
    
    // 3. 检查目标链流动性
    targetPool := ise.ChainPools[payment.TargetChain]
    liquidity, err := targetPool.CheckLiquidity(payment.Token, 
        payment.Amount)
    if err != nil || !liquidity.Sufficient {
        return nil, fmt.Errorf("insufficient target liquidity")
    }
    
    // 4. 执行目标链结算 (无需跨链)
    settleTx, err := targetPool.ExecuteSettlement(&SettlementRequest{
        To:       payment.ToAddress,
        Amount:   payment.Amount,
        Token:    payment.Token,
        PaymentID: payment.PaymentID,
    })
    
    // 5. 更新目标链余额
    ise.updatePoolBalances(payment.TargetChain, payment.Token, 
        payment.Amount, false)
    
    // 6. 记录完成时间
    processingTime := time.Since(startTime)
    
    // 7. 返回结果
    return &SettlementResult{
        PaymentID:       payment.PaymentID,
        SourceTxHash:    receiveTx.Hash,
        TargetTxHash:    settleTx.Hash,
        ProcessingTime:  processingTime,  // 目标: <500ms
        Status:         SettlementStatusCompleted,
        Cost:           big.NewInt(1000), // $0.001 内部成本
    }, nil
}

func (dra *DeltaRebalanceAlgorithm) CalculateDelta() 
        *RebalanceRecommendation {
    recommendation := &RebalanceRecommendation{
        Actions: []RebalanceAction{},
        TotalCost: big.NewInt(0),
        ExpectedImprovement: 0.0,
    }
    
    // 1. 计算各链偏差
    chainDeltas := make(map[string]*ChainDelta)
    for chainID, pool := range dra.ChainPools {
        target := dra.TargetDistribution[chainID]
        actual := pool.UtilizationRate
        delta := actual - target
        
        chainDeltas[chainID] = &ChainDelta{
            ChainID: chainID,
            Target:  target,
            Actual:  actual,
            Delta:   delta,
            Severity: dra.calculateSeverity(delta),
        }
    }
    
    // 2. 识别需要干预的链
    for chainID, delta := range chainDeltas {
        if math.Abs(delta.Delta) > 
            dra.ImbalanceDetector.Threshold {
            // 选择最优再平衡策略
            strategy := dra.selectOptimalStrategy(delta)
            action := dra.createRebalanceAction(
                chainID, delta, strategy)
            recommendation.Actions = append(
                recommendation.Actions, action)
        }
    }
    
    // 3. 优化动作组合
    recommendation = dra.optimizeActionCombination(
        recommendation)
    
    return recommendation
}

contract MerchantAddressFactory {
    // 主工厂合约地址 (部署一次，全网复用)
    address public constant FACTORY_ADDRESS = 0x...;
    
    // 商户地址生成
    function generateMerchantAddress(
        string memory merchantId,
        uint256 nonce
    ) public pure returns (address) {
        bytes32 salt = keccak256(abi.encodePacked(
            merchantId, nonce));
        bytes32 bytecodeHash = keccak256(
            getMerchantWalletBytecode());
        
        return address(uint160(uint256(keccak256(abi.encodePacked(
            bytes1(0xff),
            FACTORY_ADDRESS,
            salt,
            bytecodeHash
        )))));
    }
    
    // 按需部署商户钱包
    function deployMerchantWallet(
        string memory merchantId,
        uint256 nonce
    ) external returns (address) {
        bytes32 salt = keccak256(abi.encodePacked(
            merchantId, nonce));
        
        MerchantWallet wallet = new MerchantWallet{salt: salt}(
            merchantId,
            msg.sender // 商户控制地址
        );
        
        emit MerchantWalletDeployed(merchantId, address(wallet));
        return address(wallet);
    }
}

type SmartMerchantAddressSystem struct {
    // 地址生成策略
    AddressGeneration struct {
        // 动态地址池
        DynamicAddressPool struct {
            PoolSize        int           // 10,000个地址池
            RotationPeriod  time.Duration // 24小时轮换
            ChainCoverage   []string      // 覆盖所有支持链
            AddressBinding  map[string]*MerchantBinding
        }
        
        // 智能地址分配
        SmartAllocation struct {
            RiskBasedAssignment bool      // 基于风险分配
            GeographicClustering bool    // 地理集群
            VolumeBasedTiering  bool     // 基于交易量分层
            ComplianceTagging   bool     // 合规标签
        }
        
        // 地址复用优化
        AddressReuse struct {
            SafeReusePeriod   time.Duration // 7天安全复用期
            RiskScoreCheck    bool         // 风险评分检查
            TransactionHistory bool        // 历史交易分析
            ComplianceClearing bool        // 合规清洁检查
        }
    }
    
    // 商户地址映射
    MerchantMapping struct {
        // 主映射表
        PrimaryMapping map[string]*MerchantProfile
        
        // 反向查询
        ReverseMapping map[common.Address]*MerchantIdentifier
        
        // 历史记录
        HistoricalMapping map[string]*AddressHistory
        
        // 合规标记
        ComplianceFlags map[string]*ComplianceStatus
    }
}

多链风险管理

type MultiChainRiskManager struct {
    // 流动性风险
    LiquidityRisk struct {
        MinReserveRatio   float64           // 最小储备率 20%
        MaxUtilization    float64           // 最大使用率 90%
        EmergencyReserve  *big.Int          // 紧急储备
        LiquidityBuffer   *big.Int          // 流动性缓冲
    }
    
    // 技术风险
    TechnicalRisk struct {
        ChainHealthMonitor *ChainHealthMonitor // 链健康监控
        BridgeSecurityCheck *BridgeSecurityChecker // 桥安全检查
        SmartContractAudit  *ContractAuditSystem // 合约审计
        KeyManagementSystem *KMSSystem       // 密钥管理
    }
    
    // 市场风险
    MarketRisk struct {
        PriceOracle       *PriceOracleSystem // 价格预言机
        SlippageProtection *SlippageProtector // 滑点保护
        MEVProtection     *MEVProtection     // MEV保护
        VolatilityHedging *VolatilityHedger  // 波动性对冲
    }
    
    // 操作风险
    OperationalRisk struct {
        MultisigGovernance *MultisigGovernance // 多签治理
        EmergencyPause     *EmergencyPauseSystem // 紧急暂停
        InsuranceFund      *InsuranceFund      // 保险基金
        DisasterRecovery   *DisasterRecoveryPlan // 灾难恢复
    }
}

风险评估算法

func (mrm *MultiChainRiskManager) AssessOverallRisk() *RiskAssessment {
    assessment := &RiskAssessment{
        Timestamp: time.Now(),
        RiskScores: make(map[string]float64),
        Recommendations: []RiskRecommendation{},
    }
    
    // 1. 流动性风险评估
    liquidityRisk := mrm.assessLiquidityRisk()
    assessment.RiskScores["liquidity"] = liquidityRisk
    
    // 2. 技术风险评估
    technicalRisk := mrm.assessTechnicalRisk()
    assessment.RiskScores["technical"] = technicalRisk
    
    // 3. 市场风险评估
    marketRisk := mrm.assessMarketRisk()
    assessment.RiskScores["market"] = marketRisk
    
    // 4. 操作风险评估
    operationalRisk := mrm.assessOperationalRisk()
    assessment.RiskScores["operational"] = operationalRisk
    
    // 5. 综合风险评分
    assessment.OverallRisk = mrm.calculateOverallRisk(
        assessment.RiskScores)
    
    // 6. 生成建议
    if assessment.OverallRisk > HIGH_RISK_THRESHOLD {
        assessment.Recommendations = append(
            assessment.Recommendations,
            RiskRecommendation{
                Type: "ReduceLiquidity",
                Description: "Consider reducing pool size temporarily",
                Priority: "HIGH",
            })
    }
    
    return assessment
}